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Fixed-Rate Short Term Mortgage Loans

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

Visit our latest specials page for our Special Sale Rates!

Our short-term fixed rate mortgage loans are a great option for:

  • Home owners who have 12 to 15 years left on their current mortgage and want to refinance
  • Home owners who own their current home and want to use the equity in their home for major purchases or home improvement projects

The table below illustrates the loans we offer and their features:

Long Term 6 years (72 months 8 years (96 months) 10 years (120 months)
Maximum LTV* 97% 97% 97%
Maximum Loan Amount $500,000 $500,000 $500,000
Points? No No No
Origination fees? Yes* Yes* Yes*
LTV to avoid PMI 80% 80% 80%
Sold to another lender No No No

First South Financial Short term fixed rate mortgage loan rates  Apply for a First South Financial short term fixed rate mortgage loan


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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. Options with no origination fees may have a different rate.  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.Equal NMLS# 410640

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