Today's Rates.

Check out the mortgage rates below for 30-year, 20-year, and 15-year fixed rate mortgage loans from Southern Bank. If you’re looking for current rates for an adjustable-rate mortgage reach out to one our lenders.

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How to Read Our Rates

The current mortgage rates listed here assume a few basic things about you, including: you have very good credit (a FICO score of 740+) and you’re buying a single-family home as your primary residence. These rates are applicable for a first lien only (not a second mortgage). If you decide to purchase mortgage discount points at closing, your interest rate may be lower than the rates shown here.

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1 Annual Percentage Rate (APR) represents the true yearly cost of your loan, including any fees or costs in addition to the actual interest you pay to the lender.

The rates shown above are the current rates for a first lien (not a second mortgage) on the purchase of a single-family primary residence. These rates are not guaranteed and are subject to change. This is not a credit decision or a commitment to lend. Your rate will depend on various factors including loan product, loan size, credit profile, property value, occupancy and other factors.

To guarantee a rate, you must submit an application to Southern Bank and receive confirmation from a mortgage loan officer that your rate is locked.

Loan approval is subject to credit approval and program guidelines. Interest rate and program terms are subject to change without notice.

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