Construction Loan
Build your dream home from the ground up.
New construction loans for building homes. Personalized support, competitive rates, extended rate locks, and one-time close options available.
Mortgage Community Development Lender
I am a dedicated Mortgage Community Development Lender with Southern Bancorp, and I am passionate about helping individuals and families achieve their homeownership goals. I entered the lending industry as a mortgage processor, which gave me a strong understanding of every stage of the mortgage process and allows me to better support my clients from application to closing. I pride myself on providing personalized guidance, clear communication, and a client-focused approach throughout every step of the lending journey. Building strong relationships within the communities I serve is important to me, and I strive to make the mortgage experience smooth, accessible, and rewarding for every borrower. Personally, I am the proud mother of a smart and outspoken little boy who keeps life exciting and inspires me every day. Outside of work, I have a deep appreciation for fashion, art, and travel, and I enjoy experiences that allow me to connect with different people, cultures, and creative perspectives. Let’s connect and take the next step toward your homeownership goals!
Build your dream home from the ground up.
New construction loans for building homes. Personalized support, competitive rates, extended rate locks, and one-time close options available.
Flexible financing. Competitive rates.
Conventional mortgage financing for primary residences, second homes, and investment properties. Competitive rates with flexible closing cost options.
Low down payments. Favorable rates.
FHA-insured loans with low down payments, less restrictive credit requirements, and favorable interest rates.
Purchase your home with just $1,000.
Our affordable mortgage program lets you purchase your home with a minimum $1,000 contribution. No mortgage insurance required.
For high-value properties up to $3M.
Jumbo loans for high-value properties and larger loan amounts. Accommodates up to $3 million with no mortgage insurance required.
Lower payments. Shorter terms. Your equity, your way.
Refinance to leverage your home equity, reduce your monthly payment, or shorten your loan term. Multiple refinancing options to fit your financial goals.
Up to $25K toward your next home.
Down payment assistance program providing up to $25,000 as a 15-year mortgage at 0% interest. For down payments, closing costs, and prepaids.
Up to 100% financing in rural areas.
USDA-backed loans for individuals and families in qualifying rural areas. Up to 100% financing with no minimum down payment required.
$0 down. No mortgage insurance.
VA-insured loans for active duty personnel, veterans, and surviving spouses. $0 down payment options, no mortgage insurance, and up to 100% financing.
While using the calculator, keep in mind that the displayed dollar amounts are not guaranteed, and your actual payments may vary. The estimates provided are for illustrative and educational purposes only.
Based on your home value and mortgage balance, here's how much equity you may be able to access at different loan-to-value ratios.
These estimates are for illustrative purposes only. Actual available equity depends on your lender's requirements, credit profile, and property appraisal.
These estimates are for illustrative purposes only. Actual cash-out amounts, rates, and payments depend on your lender's requirements, credit profile, and property appraisal.
Assumes housing costs target 30% of gross income and total DTI cap of 36%. These estimates are for illustrative purposes only.
