Hometown Heros Grant - Get up to 5% of purchase price up to $25,000 for down payment and closing cost!
Wish Home Buyer Grant- UP TO $22,000
Borrowers must be first-time home buyers. Veterans are exempt and do not need to be first-time home buyers. A first-time home buyer is someone who has not had ownership of a principal residence during the past three years. Some exceptions apply.
A Homeownership Education Certificate is required for at least one qualified borrower. (Freddie Mac HFA Advantage (Conventional) Program Option only)
Borrowers must meet normal mortgage requirements to demonstrate credit worthiness. Borrowers must have a minimum of 640 for Conventional, FHA, USDA-RD, and VA Loans to participate.
Borrowers must occupy the purchased home as their principal residence.
Household income may not exceed County Limits (Click to get more info)
How much is a down payment on a house? Call 352-622-1521 to learn more about these programs and how we can help you reach your goals.
Brandon, Paulette, and Christie were all amazing with helping me buy my first home! Everything was done promptly and I was able to close quickly. It was overall a wonderful experience and highly recommend them! Thank you Southern Home Loans!!
Brandon, Kristie & Ann at Southern Home Loans are the most professional and experienced team. Their organization in describing which documents or paperwork needed on our end was extremely thorough where we were able to understand what was needed to get everything submitted quickly. In turn, we were able to close early. Brandon was our Angel in getting this property. We had a seller on New Year’s Day require an approval letter. We were so stressed sharing to each other how will we get this on a holiday. We reached out to Brandon and he not only responded quickly to us, but had the letter in our hands to satisfy the seller’s realtor. In our past experiences with mortgage lenders, some good some not so, all fall short of the experience we had with Southern Home Loans. We had a partner with us that walked with us all the way and made this the best buying experience we have ever had. Our own realtor shared not only did they see their commitment to the client but they will be using them with future clients as well. We can only say from the bottom of our heart, thank you, and know others will benefit from this amazing group.Deanna Batt and Paul V. Poliseo
Could not express enough how amazing this team is. Dave Engel was amazing and got stuff done very quick. The entire team was responsive and was happy to answer any questions I had at any time. Initially I tried using Wells Fargo and regretted it immediately. Yes their fees were lower but who cares if you can’t anything done. You truly get what you pay for. There is no question as to who you should use during this process! Thank you team!!
I would like to thank Brandon and his staff at Southern Home Loans for making the mortgage process smooth and efficient. From application to funding in about 3 weeks! God Bless
Big big big shout out to Brandon and Paulett for making my fiancé‘s first experience buying a house amazing we appreciate everything that you have done for us and being so patient thank you so very much from the bottom of our heart we are so excited to have our new home❤️
We were very pleased with southern home loans, we worked with Brandon, he was very helpful with purchasing our new home. We also worked with Paulette, who was excellent at communication and knowledge. We highly recommend them and we would definitely use them again
Simply the besttttttttttttttt. Thanks so much to Brandon & Paulette that made it possible for us to purchase our first home. We appreciate all their help and great communication throughout the entire process.
Brandon was awesome highly recommended him made it possible and more for home thanks Brandon and team
Southern Home Loans is the greatest group of people to work with specifically Brandon and Paulette. They made the loan process very easy and they were beyond helpful answered anything I asked and made sure I had everything I needed to close on the house I had my heart set on.5 star review all the way.
We refinanced to take advantage of low rates and Brandon’s team had us at “clear to close” in 30 days! I didn’t know it was possible. Perfect team to work with!
We definitely recommend this company, they made this possible! Our first house on a pandemic situation, with a great interest rate. They never said is not possible! They always looked for a way to get it done and the right way. Thanks Brandon, and Paulette for all the hard work. God bless!
Brandon could not have made the process any easier! We closed two weeks early and found the home of our dreams! I am so thankful Ashley Yates with Magnolia Homestead Realty sent us to you! Highly recommended!!
Brandon and his team at southern home loans went absolutely above and beyond for my family we truly are so blessed with all the work Brandon did for us, there are not enough thank you's we could say. We probably drove him crazy with this whole process but he never once lost his patience with us! I would HIGHLY recommend Brandon and his team they make dreams come true! Thank you for all your hard work you did for us and making sure my family got into our home!
When I first decided to buy a house, I was extremely nervous, didnt know what to expect. But between my realtor and Southern Home Loans the experience was very smooth. There did everything possible to make sure every step was firm and looked for our best interest. They always kept in touch through phone calls and emails, always keeping us updated with every status of every step. I was always inform, therefore I fully trust them and recommend them to anybody who wants an enjoyable purchase, from the beginning until you can finally walk through the doors of your dream home. Thank You!!
Brandon and his team are exceptional! I wouldn’t trust anyone else to do our mortgage. They were extremely responsive and kept us updated throughout the entire process, regardless of the time or distance. Great experience and highly recommend SHL!!
Great company. Brandon and his team will make sure to give your loan top priority and service the whole way.
Brandon and his team did a great job guiding me through the home buying process. Professional, prompt, thorough and knowledgeable is how I would describe everyone at SHL. Brandon bent over backwards to get my deal done and I will be a customer for life.
I used SHL for both of my homes and everything went smoothly. Even though I was out of town for the most recent process, they were able to get me closed before the projected closing date.
Brandon and his team go above and beyond to get their deals to the closing table. He has closed my loan on my personal residence and I could not be happier w his team’s service. Great people and great product!!!
Big call out to Southern Home Loans, especially Brandon C.!! These guys helped us when no one else could. Highly recommended!!!
Knowledgeable about the industry having worked with Brandon a number of times now. Would not hesitate to work with.
I had a great experience. Southern Home Loans had good communication throughout the process and were able to get an FHA loan on a foreclosure.
As first time home buyers we had no idea what we were doing. Brandon answered all of our questions, gave good advice and helped us through the entire process. It was fast and painless. If you're serious about buying a house and in the position to do so, they will make it happen.
I can’t say enough good things about Southern Home Loans! As first time home buyers, we had absolutely no idea where to start with this process. Brandon and his team were always there whenever we had questions, and they made our first time home buying experience go so smoothly and efficiently. We highly recommend them and we are so appreciative for all of their help.
Very pleased with the results with this company. First time buying a home and Brandon and his team helped explain every step. Definitely recommend anyone looking to buy a house to work with this company. Everyone is pleasant and patient even with our work schedule. Thanks for making our experience so wonderful!
Brandon was very professional and efficient. He answered all my questions in a timely manner, and I truthfully felt he had my best interests in mind. I would recommend him to all of family and friends.
When we were looking for a house, we finally found one that met our needs...Quiet neighborhood, slow street, 5 bedrooms and a small piece of property. We finally found our dream home. We went to an old friend for a mortgage that drug us through the mud and back, and after 3 agonizing weeks of "just hold on" we couldn't get financing. Went to our bank (1 point higher interest) and they drug us through the mud and back for 2 weeks and nada...Our realtor suggested Brandon Crysler at Southern Home Loans. She called him on a Saturday, we had out paperwork over that afternoon...few more pieces of paperwork on Monday and by the end of the week, we had financing for $190,000. We closed 2 weeks later. We are so happy with My. Crysler. He came through in a pinch when two others failed! 5 *
Just closed on our house last week Annie , Brandon, and Paulette were awesome! Any calls and questions were answered promptly and professionally. I would strongly recommend.
This was our first time buying a house in another state. Annie, Brandon and Paulette were very helpful, and returned our phone calls promptly. We were living at a RV park with very limited computer ability. We were able to go to the office to bring over any necessary documents. Not being familiar with e-signatures Brandon helped guide us through it. Would recommend them for a loan company.
This was my first home and my lender was G.A. Douglas. He kept me updated on everything and was there to answer any questions that I had. lord knows I called or texted him a thousand times during the processes.He was very patient and understanding. I 100% recommend G.A. Douglas from Southern Home loans!