Home is more than just a house.

It’s where you start your lives together, where you host countless Sunday dinners, and where your baby takes their first steps. Choosing the right mortgage lender is just as important as choosing the right home. Our team of lending experts has years of experience and the tools to help you experience a better mortgage. Ready to check rates, receive a personalized quote, or need help deciding which loan is right for you?

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Mortgage Options

30, 15, or 10 Year

Fixed Rate Mortgages

Our Fixed Rate Mortgages combine security and low cost. You'll be secure with a fixed rate for the full life of the loan - meaning your rate will not go up. Plus, no cost pre-approvals, competitive rates, and minimal closing costs.1

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5/5 or 10/1

Adjustable Rate Mortgage (ARM)

You'll have the advantage of an exceptionally low rate for the first 5 or 10 years.2 After that, a rate change of no more than 2% will occur. You could save more money over the first ten years compared to our standard 30 year financing. Also has reduced closing costs.1

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Loan or Line of Credit

Home Equity

Have a large project or expense? Use your home's equity to get a Home Equity Loan3 or Home Equity Line of Credit.4 You can borrow up to 85% of your home's current value, minus any existing first mortgage balance.

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Investment and Land

Want to buy land? Or are you thinking about getting an investment property? We have Mortgage products specifically for land and investment purchases.

Featured Mortgage Rates

 

Mortgage Product
Interest Rate as low as
APR5 as low as
Payment6
5/5 ARM 5.500% 6.537% $1,022
10/1 ARM 5.500% 6.190% $1,022
15 Year Fixed 5.625% 5.842% $1,483
30 Year Fixed 6.500% 6.635% $1,138
Home Equity Line of Credit 7.750% 7.750% $323

Rates effective as of November 18, 2024

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Cost-Saving Programs

No Down Payment Options

We have options that provide 100% financing – this means you don’t have to worry about a down payment. Enjoy no or low down payments on our 5/5 Adjustable Rate, 10/1 Adjustable Rate, and 15 Year Fixed Rate Mortgages.7

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First Time Home Buyer Program

Let us help you buy your first home. If you are a first time home buyer or have not owned property in the last three years, our First Time Home Buyer Program is specifically designed for you. Enjoy savings with low down payment options and no origination fees or points.7

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Rate Protection Plan

Rates can change while you’re house hunting, so our Rate Protection Plan protects your rate while you’re searching for the right one.8 Once you’re pre-approved for your Mortgage, we’ll lock in your rate for 45 days. If rates are lower when you’re ready to buy, you’ll get the lower rate. This way you get the best rate possible.

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Affordable Housing Program Grants

As a first time home buyer or community partner, you may be eligible for grant funds available through the Federal Home Loan Bank of Atlanta to assist with your down payment and closing costs.9

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AllSouth Mortgage Team

 

Get to know the team of AllSouth Mortgage lenders. Whether you’re buying a new home or refinancing your current home, our Mortgage team is ready to walk you through the loan process.

 

Meet the Team

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