First Southern Bank

Skip navigation

Personal Loans

Home Loans

First Southern Bank’s team of experienced loan professionals can make your home purchase or refinance a rewarding experience. We offer –

Conventional

  • 30, 20 and 15 year fixed rates

Government

  • 100% Rural Development Loans

In House Loans

  • 1, 3 and 5 year Adjustable Rate Mortgages
  • Construction

Contact trisha.eure@firstsouthernbank.net, dianne.sims@firstsouthernbank.net or kevin.klaine@firstsouthernbank.net for more information and current interest rates.

Home Loan Application Checklist

Please bring copies of the following to expedite the process:

  • Drivers license or State ID along with Social Security Card
  • Most recent 30 days pay stub
  • W2’s for last 2 years
  • Self-employed, Most recent 2 years tax returns
  • 2 months bank statements for all checking, savings, retirement or investment accounts
  • Installment debt – Names, addresses, account numbers, payment amounts and balances
  • Purchase – Need signed sales contract and real estate listing sheet
  • Refinance – Copy of Title Insurance, Homeowners Insurance, and appraisal
  • Construction – Floor plans, materials list, signed builders contract

Home Equity Lines of Credit

We can also provide you with a Home Equity Line of Credit that allows you to use the equity in your home for home improvements, special purchases, vacations or any other use. This is a convenient way to quickly access cash and the interest may be tax deductible. We can also provide term mortgage loans for those one time needs secured by a junior mortgage on your home.

Auto / Boat / RV Loans

Our experienced lenders can provide you with competitive financing terms for your vehicle, RV or boat purchases or refinances. Please contact us for more details.

Personal Lines of Credit

First Southern Bank also offers personal lines of credit for those customers that have a need for a line of credit enabling quick access to funds.