Mortgage Products & Loan Options

Because no two borrowers are alike, BankSouth Mortgage provides a variety of purchase, refinance, and home equity mortgage options to meet your individual needs. Talk to a BankSouth Mortgage expert today to find out which loan is right for you.

  • Conventional

    Diverse mortgage options for qualifying homebuyers and homeowners

    BankSouth Mortgage offers a variety of fixed rate, adjustable rate and jumbo mortgages – each with a wide range of down payment options that result in immediate equity in a new home.

  • FHA

    Financing with flexible solutions.

    FHA loans are designed with first-time homebuyers in mind, with less rigid qualification guidelines and lower down payment requirements. FHA loans can also be a great option for those with less than perfect credit seeking a lower down payment. BankSouth Mortgage’s FHA mortgages can help you get into your new home for less than you think.

  • USDA Rural

    Affordable financing for properties located in qualifying rural areas

    Working with the U.S. Department of Agriculture, BankSouth Mortgage is able to provide affordable mortgages at competitive rates with no down payment for borrowers seeking to purchase or refinance properties in qualifying rural areas.

  • VA

    Mortgage options for active and retired military personnel

    You served your country. Now let us serve you. BankSouth Mortgage works with the Department of Veterans Affairs to provide mortgages with no down payments and favorable terms to qualifying military personnel for new home purchases, as well as options for refinancing and renovations.

  • Construction/Renovation Loans

    Financing options for building and/or renovating

    Does your new home need a little TLC? Are you ready to build the home of your dreams? BankSouth Mortgage’s affordable renovation and construction loans can make that a reality.

Get Started

Ready to get started? Let us help find a loan that works for you.

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Down Payment Assistance

Need help with your down payment? BankSouth Mortgage is pleased to offer down payment assistance programs to qualified borrowers

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