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 |
|---|---|
| 6.250 | 6.378 |
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 |
|---|---|
| 5.750 | 6.003 |
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 |
|---|---|
| 6.375 | 6.533 |
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 |
|---|---|
| 5.750 | 5.846 |
FHA Loan
An FHA loan is a mortgage insured by the Federal Housing Administration.
| Rate as low as | *APR as low as |
|---|---|
| 6.000 | 6.374 |
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 |
|---|---|
| 6.750 | 6.791 |
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 |
|---|---|
| 6.000 | 6.046 |
HomeReady
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 |
|---|---|
| 6.500 | 6.660 |
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 |
|---|---|
| 6.000 | 6.201 |
Rates effective as of May 15, 2026 and are subject to change at any time without notice.
*APR = Annual Percentage Rate. Rates subject to change. The APR displayed for the loan products shown reflects the interest rate and approximate cost of prepaid finance charges and closing costs. The actual fees, costs, and monthly payment on your specific loan transaction may vary and may include additional fees and costs. Your rate and APR may differ depending on your credit history, property value, loan amount and other factors.
Loan payment examples: A $200,000 borrowed for 360 months (30 years) at 6.000% interest and 6.153% APR will have a monthly principal and interest payment of $1,199.
The rates displayed are based on the assumptions listed below and pricing for a standard loan amount range of approximately $176,000 to $200,000, which we use to establish our base mortgage rate.
- Credit score 780 or higher
- LTV 80% (20% down payment)
- Purchase
- Owner-occupied, single‑family home
- No secondary financing
- 45‑day rate lock assumption
Please note that if your credit score, down payment, or other characteristics differ from the assumptions above, your rate may be higher or lower. Lower rates may be available for smaller loan amounts or different loan characteristics. Subject to credit approval. Property insurance is required. Rates, terms and conditions are for sample purposes only and subject to change. Rate payment example does not include costs of insurance and taxes; therefore, the actual payment obligation will be higher. Please contact your Mortgage Loan Officer for specific, customized pricing for your financial situation.