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Getting Started

First home? Dream home? Retirement home? When it’s the right time for you to buy a home, we invite you to come to First South Bank where we put YOU first! Unlike many banks, we believe in servicing your mortgage loan as it is an important part of our relationship with you!

Additionally, our team offers you:
• Local market savvy
• Experience
• Product expertise
• A sense of urgency to get you in your new home

In short, we’ll be here for you. Have been since 1902.

1. Determine how much you can afford

Use the Home Mortgage Calculator to help you.

Mortgage Affordability Calculator

Information and interactive calculators are made available to you as self-help tools for your independent use. We cannot and do not guarantee their accuracy or their applicability to your circumstances. We encourage you to seek personalized advice from qualified professionals regarding all personal finance issues.

2. Review your credit

Your credit report is a history of how you have managed your finances and repaid your debt. Lenders will review it to help them determine how much you can borrow. You may receive a copy of this report by contacting one of the following agencies:

Equifax
PO Box 740241
Atlanta, GA 30374
Phone: 800.685.1111

Experian
National Consumer Assistance Center
PO Box 2002
Allen, TX 75013
Phone: 888.EXPERIAN

Trans Union LLC
Consumer Disclosure Center
PO Box 1000
Chester, PA 19022
Phone: 800.888.4213

3. Choose where you want to buy your home

Consider these things about the neighborhood you’re considering:

  • Overall appearance
  • Community Services
  • Zoning and Building Regulations
  • Property Taxes
  • Environmental Conditions
  • Public Safety

Download Home Buyers Checklist for Buying a Home.

4. Obtain financing

We offer a variety of mortgage plans.

Mortgage Rates

Looking to purchase a home? Click here to see our mortgage rates.

Financial Resources

From calculators to savings and planning for retirement, our Financial Resources has the tools and tips you need.

myCommunity

Proudly supporting our communities and the causes that touch them since 1902.