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Guaranteed Best Mortgage Rates


We have rates as low AS 2.375%* for first mortgages!

Have a jumbo mortgage? We have rates as low as 2.500%*!

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

No matter what kind of mortgage you're looking for, FHA, VA, Jumbo, Conventional, Adjustable Rate Mortgages, we can help you. And you can apply securely online at any time from the comfort of your own home. 

Apply Now

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

We guarantee we have the best mortgage rates in town!

And if you find a better rate with a local bank or credit union, we'll beat it!


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


John Eanes - Mortgage Loan Officer        Matt Cleek - Mortgage Loan Officer                    
         John Eanes                          Tiffany Adams                        
     NMLS#1674202                     NMLS#1545203                                          

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*2.375% is the rate for a 10-year fixed-rate first mortgage with an LTV of 80% or less and an APR of approximately 2.500%. Payments are approximately $9.38 per $1,000 borrowed. $2.500% is the rate for a 10-year fixed rate first mortgage of $510,400 or more with an LTV of 80% or less and an APR of approximately 2.750%. Payments are approximately $9.43 per $1,000 borrowed. Payment examples do not include taxes and insurance, your payment may be different. Prepaids like taxes, insurance and unpaid interest are not closing costs. Borrowers must have a credit score of 740 or higher and meet all other approval criteria in order to receive this special rate. Not all applicants will qualify. Offer does not apply to existing First South Financial loans and is subject to change or withdrawal without notice. Other terms and rates are available. Please see us for complete details. Equal housing lender. First South Financial Credit Union is headquartered in Bartlett, TN with convenient banking centers in Tennessee and Mississippi.


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