Government Loans

Owning a home doesn't have to just be a dream you have.  There are several federal, state and local government financing programs available to homebuyers.   These loans are typically easier to qualify for and require a smaller down payment than a traditional loan.

However, the qualifications and guidelines vary by loan program, so it's important to speak with a knowledgeable mortgage loan officer to find out which program you may qualify for.

First South Bank is proud to offer the following government programs: 



FHA (Federal Housing Administration)                  Learn More


VA Loans (Veterans Affairs)                                    Learn More


NCHFA Loans (NC Housing Finance Agency)      Learn More


USDA Loans (US Department of Agriculture)     Learn More