We make getting a mortgage easy.
Whether you are purchasing a new home or refinancing your current one, we help you secure the mortgage that fits your needs.
Explore Your Loan Options
Estimate Your Mortgage Payment
What's Your Home Worth Today?
Real Customer Experiences
Get the best possible rate.
Today’s market moves quickly. We compare a wide range of rates and programs to help you find a loan that fits your needs.
Loan Pre-Approval Document
If you plan to buy a home, a pre-approval letter is important. It shows how much you can afford and proves to sellers that you are a serious buyer.
Get your pre-approval in place before you start looking.
Know exactly what you can afford — before you fall in love with a home.
Get a clear budget based on your financials
Show sellers you’re serious and ready to buy
Close faster with fewer surprises
Takes just a few minutes. No credit check required to start.
Mortgage Calculator
Welcome to Southern Mortgage Associates!
At Southern Mortgage Associates, we pride ourselves on building lasting relationships with our clients. From first-time homebuyers to seasoned investors, we understand that every individual's financial journey is unique. That's why we offer a personalized approach to mortgage solutions, tailored to meet your specific needs.
As a trusted mortgage broker, we have access to an extensive network of wholesale lenders, providing a diverse range of loan programs. Whether you're purchasing your dream home or refinancing to secure a better rate, our experienced team is dedicated to guiding you through the process with care and expertise.
Experience the difference with Southern Mortgage Associates, where you're not just a client, but a valued member of our family.
Close Faster
We work to get your loan approved in 14 days or less. Our proactive process and modern tools help move things quickly, and our clear updates keep everything on track.
Helping You Purchase Your Dream Home
Get Pre-Approved
Assess your purchasing potential to accurately gauge what you can afford, ensuring you're ready to make an offer as soon as you discover your
ideal home.
Benefits
Secure Competitive Financing
Understand Your Financial
Range
Quick Closing
We simplify the entire mortgage
journey from application to closing, ensuring transparent communication
and utilizing cutting-edge
technology.
Benefits
Streamlined Process, Reduced Stress
Faster Move-in Timeline
Get Pre-Approved
We'll search across our extensive network of lenders to secure a competitive rate, minimal fees, and the ideal loan program tailored to your home financing requirements.
Benefits
Achieve the Best Loan Terms
Explore Diverse Financing Solutions
The Southern Mortgage Associates Advantage
Local Expertise
We are deeply familiar with the local market and community, providing you with insights and support that only locals can offer.
Exceptional Service
We pride ourselves on surpassing expectations through seamless communication and exceptional customer care.
Advanced Technology
Leveraging the latest digital tools, we offer secure mobile applications for document uploads and more, with traditional options also available.
Quick Processing
Our goal is to expedite your loan process efficiently, equipped to handle any unexpected challenges that come our way.
The answers to all your mortgage questions...
Do I need to save for a 20% down payment?
No! With FHA loans you can get approved for as little as 3.5% down, VA and USDA loans can offer you $0-down options, and with Private Mortgage Insurance (PMI) you can get into your new home with less than a 20% down payment. Whatever your situation, you have options.
Are Pre-Qualification and Pre-Approval the same thing?
No. Pre-qualification and pre-approval are two different things. Pre-qualification means that a mortgage lender has reviewed your financial records and believes you will qualify for a loan. A pre-approval is a conditional committment from a lender that they will lend you the money for a mortgage.
What's the difference between an adjustable and a fixed rate mortgage?
A fixed rate mortgage means that the interest rate is set when you take out the loan and will not change. With an adjustable rate mortgage, the interest rate may go up or down after a certain amount of time. Many adjustable rate mortgages will start at a lower interest rate than fixed rate mortgages.
What is Private Mortgage Insurance (PMI)?
Private Mortgage Insurance (PMI) is a type of insurance you may be required to pay if you are taking out a conventional mortgage with a downpayment that is less than 20% of the home's overall value. If you refinance your home with a conventional loan and your equity is less than 20% of the home's value, you may also be required to pay PMI. Private Mortgage Insurance protects the lender in the event that you stop making payments on your loan.
Can I access my home equity before I finish paying off my loan?
Yes! Your mortgage advisor can help you find the right refinance and reverse mortgage options to help you access your home equity before you've finished paying off your loan. This can help with covering the cost of remodels, college tuition, long-term care plans, and more! Talk to your mortgage advisor to find out how you can access your home equity to cover any of your life's needs.
What do I do if I can't afford my mortgage payment anymore?
The first thing you should do in the event that you can't afford your mortgage payments anymore is reach out to your lender. An experienced mortgage advisor can help you find options, such as refinancing or restructuring your loan, to help you keep up with your payments. Always reach out to your lender to ensure that you can keep up with your payments and stay in your home.
