Home Loans

We offer a variety of fixed and adjustable rate mortgages designed to fit your budget.  Whether you're planning on buying your dream home or refinancing an existing property, AllSouth has a mortgage loan just right for you.

To buy a new home, get a pre-approved loan, or refinance an existing property, visit our Online Mortgage Center.  You can submit an application, review mortgage rates, get personalized quotes on monthly payments and closing costs, and find answers to your questions.  You can even sign up to receive our current mortgage rates via email.

For additional information, contact our mortgage department at 803-736-3110 option 3 or 1-800-272-0695 option 3.  You can also send a secure email to the Mortgage Department by clicking the link in the main navigation bar above.  For more information on sending secure emails, click here.

Home Equity Loans

A home equity loan is a great way to buy a vehicle, consolidate debt, take a vacation, or make home improvements.  You can apply for a variable rate home equity line of credit or a fixed rate and term second mortgage loan, using your home as collateral.

The AllSouth advantages:

• Interest is generally tax deductible. Please consult your tax advisor to determine deductibility.
• Flexible payments and terms.
• Access to your funds using a check or through online banking.
• Convenient application process.

To calculate the estimated equity in your home, use the following example:

If you need further information or assistance:

• Check our Current Rates
• Apply online
• Apply at any of our convenient locations
• Apply by telephone with our Member Answer Center

*This is AllSouth Federal Credit Union's guideline for the maximum percentage of a home's value that can be mortgaged, and is subject to change.