First Mortgages
We are a full-service mortgage lender - let our lending experts help you find the loan that's just right for you!
Already know which kind of loan you want?
FIRST SOUTH'S PORTFOLIO Mortgage Loans
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.
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.
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.
Jumbo mortgage loans
Have a mortgage loan over $540,250? We can help you with great rates and outstanding service.
FHA LOANS
An FHA insured loan is a US Federal Housing Administration mortgage insurance backed mortgage loan.
VA LOANS
A VA loan is a mortgage loan guaranteed by the United States Department of Veterans Affairs.
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?
Ask a Mortgage Loan Officer: What are Points?
Our Mortgage Loan Officer, John Eanes, answers a question he gets asked frequently: What are points?
GETTING PRE-APPROVED
KNOW YOUR FINANCING OPTIONS BEFORE YOU START TO SHOP
| Mortgage Rates | ||
| Effective Date: Tuesday, November 30th, 2021 | ||
| Name | Rate | APR |
| 10 Year Fixed Rate | 2.500% | 2.625% |
| 15 Year Fixed Rate | 2.750% | 2.750% |
| 20 Year Fixed Rate | 3.625% | 3.875% |
| 30 Year Fixed Rate | 3.875% | 4.000% |
| 5/1 ARM | 3.750% | 4.000% |
| 7/1 ARM | 3.750% | 4.000% |
| 10/1 ARM | 4.250% | 4.50% |
| Physicians 10/1 ARM | 4.500% | 4.750% |
*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.
Equal Opportunity Lender. NMLS# 410640
To view the Home Mortgage Disclosure Act Notice, click here.
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