Big dreams start at home

This is a great time to become a first-time homebuyer. Why? Because you have access to some of the best rates and home loan options around, including 15- and 30-year mortgages. We’re here to help you finance a home you can afford.

Expand your living space and your financial future

When it comes to buying your next house or vacation home, SouthPoint Home Mortgage has you covered. We offer great rates, an easy application process, and put you in touch with a home loan expert who will work with you from start to finish.

Purchase Loan Options

OnPoint 5/5 ARM

An adjustable-rate mortgage (ARM) is a loan term option with interest rates that can change periodically after the initial fixed-rate period. An ARM might be the right option for you if you plan on moving within 7 years since they feature lower introductory interest rates.

Rate as low as *APR as low as

15 Year Fixed Mortgage

Pay off your home twice as fast with a 15-year fixed rate mortgage. Your rate stays the same throughout the life of the loan, giving you secure and predictable monthly mortgage payments.

Rate as low as *APR as low as

30 Year Fixed Mortgage

Settle down for the long haul with a 30-year fixed rate mortgage. You can look forward to consistent monthly payments for many years to come, providing you with peace of mind and a consistent budget.

Rate as low as *APR as low as

First Time Home Buyer

Are you new to the home buying experience?  The first time home buyer loan is a program designed specifically with you in mind. With low down payment options, the ability to waive PMI and closing costs as low as $1,000.00 this loan will get you into your home.

Rate as low as *APR as low as

FHA Loan

An FHA loan is a mortgage insured by the Federal Housing Administration.

Rate as low as *APR as low as

Jumbo Mortgage

Jumbo mortgages are home loans that exceed conforming loan limits. Jumbo mortgages are a good solution for borrowers who are looking to buy a higher-priced home. If you have a lower debt-to-income ratio and a higher credit score, a jumbo loan may be right for you.

Rate as low as *APR as low as

VA Mortgage Loan

If you are active-duty military, a veteran or military spouse, this VA fixed-rate Home Loan might be right for you.

Rate as low as *APR as low as


The HomeReady Mortgage allows for down-payment flexibility with as little as 3%. Funds may come from a variety of sources and there is no minimum cash contributions.

Rate as low as *APR as low as

Rural Development

A USDA loan (also known as a Rural Development loan) is a loan that’s backed or directly guaranteed by the U.S. Department of Agriculture (USDA) for people in rural areas with the goal of providing an affordable option for housing in these communities.

Rate as low as *APR as low as

Rates effective as of July 12, 2024.

All rates are subject to change.
All rates quoted are listed in percent.
Payment Example:
Mortgage Loan: $100,000 borrowed for 360 months (30 years) with an APR of 6.00% would have a monthly payment of $599.55.
The payment example does not include amounts for taxes and insurance premium, if applicable, and that the actual payment obligation will be greater.
The terms listed are the maximum term available for qualified borrowers.

*APR = Annual Percentage Rate

**Interest rates are subject to change based on the type of loan, the collateral, loan to value, borrower’s credit history, account relationship, and automatic payments. Rates disclosed are the lowest rates available at SouthPoint Home Mortgage. Other conditions may apply.