Mortgage Loans

At Southeast Financial, we offer a variety of mortgage loan programs 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 615-465-5414 or 615-465-5408, or send an email to

Today's Best Rates

Find The Perfect Loan

Use this handy tool to see current rate and payment options that may be available to you. Results are customized according to the information you enter. Whether you're buying or refinancing, our rate and payment calculator can help you get started. There's no obligation and no personal contact information is required.

Find My Loan

APR=Annual Percentage Rate. Rates shown are the best rates currently available for the stated loan programs. Not every borrower will qualify for these rates. Click the "Find My Loan" button above for programs, rates, and payment options that may be available to you. Loan product availability subject to loan amount. Rates and APRs may vary depending on loan details, such as points, loan amount, loan to value, your credit history, property type, and occupancy. Amount of required down payment varies by program and loan details and will range between 3% and 5% of the amount borrowed. Payment Examples ($250,000 Loan Amount): At 3.50% APR, 180 monthly payments of $1787.21. At 4.00% APR, 360 monthly payments of $1193.54. Payment examples do not include amounts for taxes and insurance premiums, so actual payment could be higher. Until you lock your rate, APR and terms are subject to change. Subject to credit approval. Other restrictions may apply.

Conventional Loans

Fixed and Variable Rates Available

One of the most common mortgage 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


Whether interest rates have gone down, your credit score has gone up, you'd like to shorten your loan term, or you need to free up extra cash, refinancing your first mortgage may be a good option for you.

  • First mortgages only
  • Take advantage of the equity in your home
  • Cash out can be used for any purpose
  • No pre-payment penalties
  • Flexible terms

Land Loans

Fixed Rates Available

You've found the perfect property. Let us help you make it your own.

  • Competitive rates
  • Flexible terms
  • No pre-payment penalties

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

You must meet certain FHA guidelines to qualify for an FHA loan.

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

Loan approval, interest rate, and down payment required based on creditworthiness, amount financed, and ability to repay. Rates, terms, and conditions are subject to change.