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Amelia Watts
Community Development Lender
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(615) 454-8277
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amelia.watts@banksouthern.com
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Nashville
TN

NMLS

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914299
Helping families achieve homeownership isn’t just my job—it’s my passion. Born in Jackson, Mississippi, raised in Franklin, Tennessee, and a Nashville resident for over 25 years, I understand the importance of building strong communities through financial empowerment. I started my career in the mortgage industry in 2012, and over the years, I’ve helped countless individuals and families achieve their homeownership goals. As a Community Development Mortgage Lender at Southern Bancorp, I work with clients at every stage of their homeownership journey, offering resources like credit counseling, budgeting guidance, and down payment assistance to make the process more accessible. Beyond my career, I’m deeply committed to financial education and community development. I serve on the Habitat for Humanity Family Selection Committee, helping families take the first steps toward owning a home. I’m also involved with NMBA Future Leaders and have previously served as the board treasurer for Healing in The Margins, an advisory board member for Nashville Impact 100 and an alumna of Young Leaders Council Class 78. When I’m not working or volunteering, you’ll likely find me reading a good book, hiking my favorite trail, experimenting with new recipes, or spending time with my mini poodle.

Available Products

FHA Loan

Insured by the Federal Housing Administration, these loans have great advantages including low down payments, less restrictive credit requirements, and favorable interest rates.

  • Not limited to first-time homebuyers
  • Seller can pay up to 6% of closing costs
  • Up to 100% of down payment funds can be gifted

    USDA Loan

    These loans, backed by the United States Department of Agriculture (USDA), are specifically designed to assist individuals and families in qualifying rural areas achieve homeownership. With favorable terms, USDA loans make it easier for eligible borrowers to purchase homes in rural communities, fostering growth and stability in these areas.

    • Up to 100% financing
    • Larger acreage purchases
    • No minimum down payment required

      Construction Loan

      Southern Bancorp offers New Construction loans to facilitate financing for individuals building their dream homes from the ground up. These loans provide funding for construction costs, ensuring a seamless process from planning to completion, with personalized support and competitive rates.

      • Extended rate lock
      • One-time close options available

        VA Loan

        The Department of Veterans Affairs provides insurance for these loans made special to service members and their spouses. With $0 down payments options, no mortgage insurance, and flexible loan terms, Southern Bancorp is committed to serving those who served our country.

        • Available to active duty personnel, veterans, and surviving spouses
        • Can receive 100% financing
        • Flexible loan terms

          Jumbo Loan

          These loans are tailored for individuals purchasing high-value properties or requiring larger loan amounts. Whether acquiring luxury residences or investment properties, Southern Bancorp’s Jumbo mortgage loans provide flexible and competitive financing solutions to meet the unique needs of all borrowers.

          • Accommodates loan amounts up to $3 million
          • No mortgage insurance required
          • For primary and secondary homes like vacation and investment properties

            Conventional Loan

            We provide conventional loans, offering flexible financing solutions for homebuyers with varying needs. With competitive interest rates and straightforward terms, our conventional loans are ideal for purchasing primary residences, second homes, and investment properties.

            • Mortgage insurance options
            • Minimal restrictions
            • Flexible closing costs options available

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