Give your budget and your savings a big boost

No matter what you're refinancing for, SouthPoint Home Mortgage has lots of ways to help you get more out of your home. Thanks to a streamlined application process we can get your home refinanced fast. Plus, you’ll pay off your mortgage sooner and you could lower your monthly payments. Our home loan experts will be with you every step of the way to help you find a solution that fits your needs, your budget, and your LIFE.

Refinancing Loan Options

15 Year Fixed Rate Mortgage

Refinancing into a 15-year loan makes particular sense for homeowners who have been paying their mortgage for several years. It’s also a good option for those who have been paying extra to reduce their principal balance.

Rate as low as *APR as low as
6.500%6.779%

30 Year Fixed Rate Mortgage

The advantages of refinancing to a 30-year loan include being able to lock in a low refinance rate for such a long time, while freeing up your money to work for you in long-term investments.

Rate as low as *APR as low as
6.875%7.051%

Rapid Refi

Give you budget and your savings a big boost by Refinancing. Thanks to a streamlined application process we can get your home refinanced fast. Plus, you’ll pay off your mortgage sooner and you could lower your monthly payments.

Rate as low as *APR as low as
7.250%7.380%

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
6.875%7.050%

OnPoint 7/1 ARM

An adjustable-rate mortgage (ARM) is a loan term option with interest rates that can change periodically after the initial fixed-rate period.

Rate as low as *APR as low as
7.000%7.177%

FHA Loan

Homeowners with existing FHA mortgages may be eligible for an FHA Streamline Refinance. This program provides an opportunity to get better mortgage terms at a lower price.

Rate as low as *APR as low as
6.625%7.063%

Jumbo Mortgage

You’ve made your mortgage payments on time, have above average credit and built up some equity in your home. Your looking for refinancing options to lower your interest rate, reset an expiring adjustable rate mortgage or want to consolidate some debt and your loan amount exceeds $417,000.

Rate as low as *APR as low as
7.375%7.412%

HomeReady

With HomeReady, cash for down-payment and closing costs can come from multiple sources, including gifts and grants  - with no minimum personal funds required.

Rate as low as *APR as low as
6.875%7.051%

Rural Development

If you already have USDA mortgage. The Rural Development Refinance offers low rates, and low mortgage insurance fees. When refinancing with this program, you may not even have to provide current income documentation or an appraisal.

Rate as low as *APR as low as
6.625%6.880%

Rates effective as of March 18, 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.