Please remember that First South will never call you from our main number, 901.380.7400, and ask you to provide your full Social Security Number, full credit or debit card account number, the code on the back of the card, the expiration date or other pieces of sensitive information, such as any codes or temporary passwords used to reset access to online or mobile banking. We take the safety and security of your personal information very seriously and have many procedures and safeguards in place to keep your information safe and secure. 

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First Mortgages

We are a full-service mortgage lender - let our lending experts help you find the loan that's just right for you!

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Many of these loans are offered with absolutely no points, fees, or closing costs. Plus, we keep these loans on our books - they are not sold to another lender.

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conventional Mortgage Loans

We offer all the standard loan types you may want or need. They are generally fixed-rate options with terms up to 30 years.

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Adjustable-Rate Mortgage Loans

These loans guarantee a fixed rate for a portion of the term - a good choice if you're not sure of your long term plans.

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Jumbo mortgage loans

Have a mortgage loan over $647,200? We can help you with great rates and outstanding service.

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medical professional loans

Designed with your unique lending needs in mind, these loans have great flexibility and benefits.

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An FHA insured loan is a US Federal Housing Administration mortgage insurance backed mortgage loan.

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A VA loan is a mortgage loan guaranteed by the United States Department of Veterans Affairs.

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First South Financial is a member financial institution of the Federal Home Loan Bank of Cincinnati's Welcome Home Program.

Have questions about which mortgage is right for you? 

Our team of mortgage professionals are here to help you!

Already know which kind of loan you want?

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Ask a Mortgage Loan Officer: What are Points?

Our Mortgage Loan Officer, John Eanes, answers a question he gets asked frequently: What are points?



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Mortgage Rates
Effective Date: Saturday, December 2nd, 2023
10 Year Fixed Rate Call for current rate
15 Year Fixed Rate Call for current rate
20 Year Fixed Rate Call for current rate
30 Year Fixed Rate Call for current rate
5/1 ARM Call for current rate
7/1 ARM Call for current rate
10/1 ARM Call for current rate
Medical Professionals Loan 10/1 ARM Call for current rate

*Payment Example: A 10 year fixed first mortgage loan with a 3.00% APR will have a payment of approximately $9.66 per thousand. Which does not include insurance and taxes. Your payment may vary. Rates are subject to change or withdrawal without notice. Please see us for complete details.


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Equal Opportunity Lender. NMLS# 410640

To view the Home Mortgage Disclosure Act Notice, click here.

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