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Whether you're ready to buy a new home or refinance your existing mortgage, we have a variety of cost-saving options to give you the freedom to spend your money on other expenses that come along with owning a home.  Here's more about what we have to offer.

Experience a Better Mortgage with AllSouth

  • Fast and local loan decisions, closings, and services
  • Convenient online pre-approval and application process
  • Rate Protection Plan on eligible products1
  • 24/7 Online access with secure Borrower Portal to keep you updated throughout the loan process

Want to check out our rates and compare our different products? 

Check Our Rates

Purchasing a New Home

We understand that buying a home can be overwhelming. With our cost-saving programs, it doesn't have to be.

No Down Payment Options

We have options that provide 100% financing – this means you don’t have to worry about a down payment. Enjoy no or low down payments on our 5/5 Adjustable Rate Mortgage and 15 Year Fixed Rate Mortgages.2 

First Time Home Buyer Program

If you're a first time home buyer or have not owned property in the last three years, our First Time Home Buyer Program is specifically designed for you. Enjoy savings with low down payment options and no origination fees or points.2 

5/5 Adjustable Rate Mortgage (ARM)

Our 5/5 ARM gives you the advantage of an exceptionally low rate for the first five years.2 After that, a rate change of no more than 2% happens every five years. With this option you could save more money over the first ten years compared to our traditional 30 year financing. 

Refinancing Your Home 

Whether you're looking for a lower interest rate and monthly payment or need cash out for home renovations, we've got a variety of cost-saving refinance options available. Now might be the perfect time to refinance

Short Term Financing Options

Our 10 and 15 Year Fixed Rate Mortgages provide you with a shorter term so you can get your home loan paid off sooner.2 Plus, our 10 and 15 Year Fixed Rate Mortgages come with reduced closing costs to help you save.3  

5/5 Adjustable Rate Mortgage (ARM)

Our 5/5 ARM gives you the advantage of an exceptionally low rate for the first five years.2 After that, a rate change of no more than 2% happens every five years. To help you save, our 5/5 ARM also comes with reduced closing costs.3  

Rate Protection Plan

Once you're pre-approved we'll lock in your rate for 45 days, protecting your rate and ultimately your payments.1 However, if rates are lower at the time you're ready to close, you'll get the lower rate. This way you get the best rate possible - it's a win, win!

What our members are saying about their mortgage experience...

"Hands down fastest most streamlined process I have ever been through! Thank you AllSouth for making this a wonderful experience.  You have made an already long time customer a lifetime customer." - Allison, AllSouth Member

"The entire process was very transparent. The rate was the best we could find by a significant amount. I like the idea of dealing locally." - William, AllSouth Member

 


 

Ready to learn more or check rates? Our Mortgage and Home Buying Center can help. 

Get Started

 

 


1Only pre-approval requests for 5/5 ARM, 15 Year Fixed Mortgage, 10 Year Fixed Mortgage, Rental/Investment and Land qualify for the Rate Protection Plan.
2Other fees and requirements may apply. Available on primary residences located in the state of South Carolina. Qualification is subject to creditworthiness. Interest rates vary by product and are subject to change. Offer is available for a limited time and is subject to end without notice.
3Offer is available for a limited time and is subject to end without notice. Closing costs may vary. Closing costs could include but are not limited to: discount points, loan origination fees, appraisal fees, title search and other title related fees, recording fees, flood certification, underwriting fees, document preparation fees, and attorney closing fee, and may vary depending on the loan amount, mortgage type, creditworthiness, loan to value ratio, and other qualifying or determining factors.