southern home Loans

Home Loans in Central Florida

See why Southern Home Loans is your #1 Nationwide Mortgage Lender in the country.

Loan Options

Lot and Land Loans
Ready to build your dream home but unsure about financing the land? Explore our guide on land and lot loans to find your path to property ownership.
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Hometown Heroes
Affordable housing for our Hometown Heroes! Get 5% Down payment assistance of the total loan amount (max $30k).
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Construction Loans
Make your new home happen with a construction loan from Southern Home Loans.
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30 Year Fixed Mortgage
Get a FREE quote on a 30-year fixed-rate mortgage & save thousands of dollars per year. Get started today!
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Down Payment Assistance
Dive in to uncover how Florida's diverse down payment assistance programs can catapult your dream of homeownership from mere aspiration to exciting reality!
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15 Year Fixed Mortgage
Get a FREE quote on a 15-year fixed-rate mortgage & save thousands of dollars per year.
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Adjustable-Rate Mortgage
Don’t waste time getting the run around with other companies. We’ll get you on your way to owning your own home quickly and easily.
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FHA Loans
Federal Housing Administration (FHA) Loans are a great option for first-time home buyers.
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VA Loans
Get a FREE quote on a VA Loan & save thousands of dollars per year.
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Jumbo Loans
At Southern Home Loans, we work hard to offer the best possible Jumbo Loan rates in the business.
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203K Loans
Applying and qualifying for a 203k FHA Loan has never been simpler than with Southern Home Loans.
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USDA Loans
It’s never been easier to apply for a USDA Loan. Get a FREE quote with us today!
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HARP Loans
If you owe more on your current home than it’s worth, refinancing with a HARP Loan might be your best option.
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Reverse Mortgage
For those who are 62 years of age or older, a reverse mortgage is an excellent vehicle for tapping into the equity of your home.
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Manufactured home Financing
Find out how to qualify for a Manufactured/Mobile Home and get the best rates from Southern Home Loans.
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Southern Home Loans

A Leader in the Home Loan Industry

Southern Home Loans is a leader in the home loan industry. We provide our customers with simple methods of finding their best home loan solutions. Whether you’re looking to buy a new home or get a reverse mortgage to help you make ends meet, we’ve made the application and qualifying process easier than it’s ever been before. By streamlining the online application process, we’ve made it possible for you to apply for a home loan and be on your way in a matter of minutes. Because we’re experienced experts in the home loan industry, we’ve been able to develop all of the best tools to help our customers get the loans they need without any of the headaches or uncertainty that often comes with trying to close on a loan.

Fast & Easy

Loan Options That Best Fits You

If you’re curious about the different home loan options you have available and what you might qualify for, all you have to do is fill out a simple Qualifier form for a specific loan, and we’ll provide you with a list of amazing options. This allows you to compare all the options available to you and chose the one that best fits your current situation. Never before has it been so easy to weigh every available option. Learn more about our down payment assistance programs for first time home buyers. Simply choose the loan you’re interested in on the menu and get started with the HomeTown loans application process.

confident self-employed individual holding a bank statement in one hand

Options for Entrepreneurs & Investors

Tired of facing endless hurdles and strict income verification requirements? Check out our exclusive loan programs tailored specifically for self-employed borrowers and investors that provides a hassle-free path to homeownership. Say goodbye to complex paperwork and hello to simplified qualifications. Discover how our programs, with the flexible bank statement requirements, generous loan amounts, and attractive terms, can unlock the door to your dream home. Options for approval include:

3 Month Bank Statement

12 Month Bank Statement

Investor Cash Flow

ATR-In-Full

Portfolio Products