PLEASE NOTE: In order to keep our teams and communities safe, some banking centers are drive thru or by appointment in the lobby only. Please visit our locations and hours page for complete details.  Whitehaven remains drive thru only. We apologize for any inconvenience and appreciate your patience.

First South Financial Go to main content Search
Home > Mortgages > Mortgages > Mortgage Specials

Guaranteed Best Mortgage Rates

Think it's too late to refinance? think again!

Refinance now for only $1,500* in closing costs!

Lock in a great low rate of 2.750% APR and start saving sooner with our Fast Closing Guarantee! Close within 15 days of final approval or pay ZERO closing costs. 

Have a Home Equity Line of Credit? Now is the perfect time to lock it into a low fixed rate loan.

Apply Now

We are a full-service mortgage lender that can help you with all your mortgage lending needs.

Call us at 901-380-7400 or stop by any of our banking centers today.

Our mortgage loan officers are here to help you every step of the way!


*2.750% APR is for a 10-year fixed-rate first mortgage refinance of the borrower’s primary residence with an LTV of 70% or less. Payments are approximately $9.55 per $1,000 borrowed and does not include taxes and insurance. If the loan does not close within 15 business days of final approval, the $1500 will not be collected from the borrower(s). Offer not valid for purchases or for existing First South Financial loans. Loans are subject to approval criteria, not all applicants will qualify. Other rates and terms are available. Offer is subject to change or withdrawal without notice. Please see us for complete details. Equal Housing Lender. NMLS# 410640 First South Financial Credit Union is headquartered in Bartlett, TN with convenient banking centers in Tennessee and Mississippi.


Go to main navigation