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 mortgageservices@southeastfinancial.org.
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.
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.
Purchases
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
Refinances
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
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.
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
Manufactured Home Loans
Fixed Rates Available
Just starting out or downsizing. We can help make it yours.
Multi- and single-wide
Competitive rates
Flexible terms
No pre-payment penalties
VA (Veterans Affairs) Home Loans
Fixed Rates Available
Available to qualified active service members and military veterans.
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.