FHA Loans

The Federal Housing Administration (FHA) mortgages help low-to-moderate-income home buyers purchase homes with low down payments and flexible qualifying guidelines. These loans are insured by the FHA, which sets loan limits that vary by area. With an FHA mortgage, you may use a gift for down payment and closing costs.

Choose an FHA loan if you:
  • Need a low down payment

  • Have limited savings and/or moderate incomes

  • Are a first-time or repeat home buyer concerned about not having enough funds for down payment and closing costs on a new home

Keep in mind that an FHA loan is not your only low down payment option. A First South Bank mortgage lender can help you evaluate all of your options and help with deciding which loan option makes the most sense for you.

What You Need to Know:

Visit your local branch to meet with a mortgage loan officer or send our mortgage team a message and they'll reach out to you directly.

Find out which government loans you may qualify for by speaking with one of our mortgage loan officers today!
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First South Bank offers a variety of credit card solutions to fit your needs and lifestyle.  You may even qualify to earn rewards as you purchase furniture for your new house!




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