English 
Spanish Thank you for your overwhelming interest in Revive25! Due to high demand, we are currently pausing new applications while we process existing ones. Please check back soon or sign up for updates.
Open the door to
your dream home
With up to $25k toward a down payment
or $100k toward upgrades and repairs.
Revive25
Southern Bancorp is committed to empowering communities through homeownership. Whether you’re a first-time homebuyer or looking to make upgrades to your existing home, our team is dedicated to finding the right mortgage solution for your needs.
With competitive loan programs, personalized guidance and specialized resources, we’re committed to making homeownership more accessible and affordable for you.
Let us help you turn your homeownership dreams into reality.
Revive25 is currently at capacity, but you can still submit your information if you’d like our team to reach out to you with other programs you may be eligible for.
Up to
$25K
Toward the purchase of your next home
——— or ———
Up to
$100K
Toward upgrading your current home
For Homebuyers
- Down Payments
- Closing Costs
- Prepaids
Need help getting into your next home? Our flexible, low-cost financing with Revive25 provides the funds you need to make your closing more affordable.
No minimum credit score required
Fixed 0% Interest Rate (as low as 0.407% APR)*
Current or Proposed Property Eligibility is Required
Up to 105% loan-to-value
No Payments for 5 Years
For Homeowners
- Renovations
- Upgrades
- Repairs
Already a Homeowner? Revive25 Can Help. Use up to $100,000 toward renovations, repairs, additions, upgrades – and more!
No minimum credit score required
Fixed 3% Interest Rate (as low as 3.158% APR)**
Subject property eligibility is required
Up to 125% loan-to-value
Interested in Other Programs?
This program is currently at capacity, but you can still fill out the form below and our team will contact you with other programs we offer that you may be eligible for.
Questions? Contact us at homeownership@banksouthern.com
*Annual Percentage Rate (APR) based on a $25,000 15-year mortgage at 0% interest with $1,000 in processing fees. Recordation, filing and appraisal fees may apply. The first mortgage must be a fixed- rate mortgage with a term between 15 and 30 years. **APR based on a $100,000 10-year mortgage at 3% interest with $220 in processing fees and 0.5% origination fee. Recordation, filing and appraisal fees may apply. ACH required for loan payment. Late payments are subject to fees. The loan must be in a second lien position, and certain combinations with other programs are not allowed. All loans are subject to credit approval and specific program guidelines. For detailed eligibility and program information, contact Southern Bancorp Bank. Equal Housing Lender. Southern Bancorp NMLS 422823