Mortgage Loans

At Southeast Financial, we offer a variety of mortgage loan options to fit your needs. Have questions about which option would be best for you? Contact one of our mortgage professionals for additional assistance. Call us at 615-743-3700 or 800-521-9653, or send an email to mortgageservices@southeastfinancial.org.

Conventional Loans*

Fixed and Variable Rates Available

One of the most common mortgages types, conventional loans follow guidelines set by Fannie Mae and Freddie Mac.

  • Can be used for primary, second homes, or investment properties
  • Low down payments
  • First-time home buyer program available
  • Jumbo programs available
  • No pre-payment penalties
  • Flexible terms

Federal Housing Administration (FHA) Loans**

Fixed Rates Available

Provides a channel for first-time homebuyers and borrowers with limited financial resources.

  • Low down payments
  • Rates competitive with conventional loans
  • Flexible credit qualifications
  • No pre-payment penalties
  • Flexible terms

USDA Rural Development Loans

Fixed Rates Available

USDA loans are available to individuals of modest means who are buying homes in rural areas. While property eligibility is determined by the USDA, many neighborhoods and communities meet the requirements.

  • Fixed-rate loan with no pre-payment penalty
  • No down payment required
  • No military service required
  • Home must be located within a USDA-eligible area, and the borrower must meet USDA income limits
  • Must be your primary residence. Investment properties and second home purchases are not eligible for the USDA loan program

Check Rates

Complete the form below for a quick look at the most current program and rate information. If you don't find what you're looking for, contact one of our mortgage professionals for additional assistance. Call us at 615-743-3700 or 800-521-9653, or send an email to mortgageservices@southeastfinancial.org.

*Fixed rate mortgages available in all 50 states. Loan approval, interest rate, and down payment required based on creditworthiness, amount financed, and ability to repay. Other fees may be assessed, as applicable. Rates, terms, and conditions are subject to change.

**You must meet certain FHA guidelines to qualify for an FHA loan. Fixed rate mortgages available in all 50 states. Loan approval, interest rate, and down payment required based on creditworthiness, amount financed, and ability to repay. Other fees may be assessed, as applicable. Rates, terms, and conditions are subject to change.