Holiday Closing:

Southern First Bank will be closed Monday, October 14th, 2019 in observance of Columbus Day.

Scheduled Maintenance for Mobile Banking: Southern First will be performing maintenance on our Mobile Banking applications Sunday, October 13th from 1:00 a.m. to 7:00 a.m. EST. Access to these applications will be intermittent during this time. We apologize for the inconvenience.


We underwrite, approve, and close our mortgages in-house.

  • Mortgage Type
    For you if...
  • Conventional

    You are buying a new home or refinancing an existing home.

  • Refinancing

    You're looking to reduce interest cost or consolidate debt.

  • First-Time Homebuyers

    You're ready to buy your first home.

  • FHA

    You are buying a new home with a small down payment or refinancing an existing FHA mortgage to a lower rate.

  • USDA/Rural Housing

    You live in a rural area or other eligible geographic location.

  • Veterans

    You have served or are active-duty military.

  • Jumbo

    You need a loan exceeding the conventional $453,100 limit.

  • Construction and Lot

    You want to buy land, build your own home, or make restorations.

  • Bridge

    You don't completely fit conventional mortgage guidelines.

Answers to Your Questions