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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.

Check My Eligibility

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.

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No minimum credit score required

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Fixed 0% Interest Rate (as low as 0.407% APR)*

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Current or Proposed Property Eligibility is Required

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Up to 105% loan-to-value

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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!

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No minimum credit score required

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Fixed 3% Interest Rate (as low as3.286% APR)**

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Subject property eligibility is required

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Up to 125% loan-to-value

Check Your Eligibility

To determine your program eligibility, complete the form below. If eligible, you’ll be able to begin the application process immediately. If you are not eligible, you will be notified after completing this form.

** Remember to use the address of the home you are looking to purchase or renovate**

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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 $15,000 15-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