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Our Loan Products

Backed by Experienced Loan Officers


No surprises, ever.

  • 30, 25, 20, 15, and 10 YR terms available

  • Same fixed payments for the life of the loan

  • Deemed the safest type of loans for borrowers



Great for savvy investors.

  • 5, 7 and 10 YR initial fixed terms available

  • Interest-only Jumbo ARM available

  • Re-amortization with each adjustment


Sometimes you just need a little more money.

  • Both Fixed and ARM loans available, even interest only loans.

  • Loans to $3 million available

  • May require more than one appraisal​



Access your equity.

  • Line of credit or Fixed rate.

  • 2nd lien or 1st lien if free & clear.

  • AVM or Drive-by appraisal in most situations


Applicable to a wide range of borrowers.

  • Credit scores as low as 580 could qualify

  • Requires as little as 3.5% down payment on

  • Mortgage insurance is required on all FHA loans



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  • Zero down payment and both fixed and ARM products

  • VA rates are typically lower than other types of loans

  • No mortgage insurance is required​


For those special situations.

  • Non-traditional income (asset depletion)

  • Debt Service Coverage Ratio (DSCR) Products for
    Investment Homes

  • Business Income to Qualify

  • Foreign National Programs (ITIN)

  • Interest-Only

  • Bank Statements For Income

  • Hard Money


A great investment tool for Seniors (Age 62 1/2 and over)

  • No required mortgage payment

  • Keep your home when meeting requirements

  • Take lump sum of cash or line of credit or
    monthly distributions

Find YOUR right mortgage option with
Southland Home Finance. Our hassle-free mortgage process makes it easy to purchase or refinance your home.  Get started today to learn more.

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