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Fixed Rate Loans (Conventional)
This is the most common type of mortgage loan available for purchasing or refinancing a home.

Adjustable Rate Loans (ARMs)
Adjustable-rate mortgages (also called ARMs) feature an interest rate that periodically adjusts with changing market rates.

FHA Loans (Federal Housing Administration)
Qualified borrowers are allowed smaller down payments and sometimes lower
interest rates.

VA Loans (Veterans Affairs)
Available to all qualified veterans, in-service personnel, and immediate family memebers.

First Time Home Buyers
Flexible underwriting guidelines with low or no down payments and closing costs.

NCHFA Loans (North Carolina Housing Finance Agency)
Below market interest rates and low down payments for first time homebuyers.

Jumbo Loans
Created primarily for large loans on higher priced properties.

USDA Loans (United Stated Department of Agriculture)
Guaranteed Rural Housing Loans

Investment Properties
To be used as rental properties.

Second Homes
For the purpose of purchasing, building, or refinancing beach, mountain, resort, or other area homes.

Construction/Permanent Loans
If you are building your new residence, First South Bank can provide you with both the construction loan and permanent financing as part of one transaction, saving you both time and money in closing costs. This program allows a one-time closing for both the construction and permanent loan while protecting your interest rate until construction is complete.

Refinancing
If you need cash for that special purchase, college tuition, a new boat, remodeling your current home, or to simply lower your interest rate and mortgage payment, refinancing may be the answer.

Special Programs
Not all loans are a perfect fit for every individual, that is why we have special programs that meet individuals with special needs.