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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Home > Mortgages > Mortgages > All Mortgages > Short Term Fixed Mortgage

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First South Financial is a full-service mortgage lender that offers several types of mortgage loans to meet your lending needs.

Our portfolio loans are never sold to another lender - they stay with us!

This means that once you close your loan, you'll make your payments to us too. Your loan stays with us as long as you have it.

These loans are great options for purchasing a home or refinancing your current mortgage. They can offer you:

  • Terms up to 30 years
  • LTVs as high as 80%
  • Limits as high as $647,200

Our experienced loan officers will review all your options to help you determine whether a portfolio or a conventional loan is the best fit for you.

Ready to get started?

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Mortgage Rates
Effective Date: Saturday, April 1st, 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

Visit our latest specials page to see our great mortgage promotions!

And ask us about our no points, fees, or closing costs option* for our portfolio loans!


Do you have questions about our loan products or services? Just give us a call or send us an email and we'll reply promptly.

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We also offer many ways to make your mortgage loan payments. Learn more about our loan payment options.

*LTV – Loan to Value. No points, fees or closing costs offer does not apply to existing First South Financial Loans or to certain loan types - different rates may apply for this option, please see us for complete details. 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. Other rates and terms are available.  Loans are subject to approval criteria, not all applicants will qualify. Offers are subject to change or withdrawal without notice. Please see us for complete details. Equal Housing Lender. NMLS# 410640

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