Mortgage Loans
A clearer path to a place of your own
Real help for your home journey
Buying a home comes with big decisions and many questions. You deserve clear answers, time to understand your choices, and a mortgage that fits your life. At Heritage South, We Help When Others Won’t, with in-house and secondary market mortgage options, plus VA home loans for eligible borrowers. Whether your mortgage situation is straightforward or unique, our mortgage team can help you compare your options and understand what comes next.
Why Choose Our Mortgage Loans
Local guidance
Talk with people who will listen to your plans, explain your options, and help you prepare for each step.
In-house options
Have a unique financing situation? Choose an eligible mortgage that we hold and service here at Heritage South.
More ways to finance
Secondary market mortgages offer additional loan options and additional savings. May be available for home purchases across all 50 states.
Help before you shop
Ask about pre-approval so you can start your home search with a clearer idea of what you may be able to borrow.
Find the mortgage option that fits
We offer two ways to finance your next home. Our mortgage team can help you compare the process, available choices, and current rates.
In-House Mortgages
We hold and service your mortgage at Heritage South after closing.
Best if you want: A mortgage that stays close to home or need flexibility in credit requirements.
Key details:
- Held and serviced by Heritage South
- Local support after closing
- Good for unique or complex mortgage scenarios
- Offers flexibility in credit requirements
- Approvals based upon review of borrower’s complete financial situation
Secondary Market Mortgages
Our local team helps originate your mortgage while another mortgage company handles funding and ongoing servicing.
Best if you want: Access to additional mortgage choices and highly competitive rates.
Key details:
- Additional mortgage options, including VA, FHA, and RD loans
- Competitive rates
- Available for eligible home purchases across all 50 states
Construction Loans
A construction loan gives you the freedom to create your dream home from the ground up.
Best if you want: Financing for your custom project
Key details:
- Flexible draws
- Pathway to permanent financing
- Local guidance to walk alongside you and your project
Know more before you start looking
A pre-approval can give you a clearer idea of how much you may be able to borrow before you begin touring homes or preparing an offer. We’ll talk through your income, budget, and available documents so you know what to expect.
Mortgage options for those who served
If you served our country, ask whether a VA home loan may fit your plans.
VA purchase loans are available to eligible veterans and may provide advantages over a traditional mortgage. We’ll help you understand the eligibility requirements, available terms, and documents you may need.
Ask About a VA Home LoanA straightforward path toward homeownership
Tell us what you’re planning
Talk with our mortgage team about the home you hope to buy, your budget, and any questions you already have.
Ask about pre-approval
We’ll review the information needed to determine whether you may qualify and discuss your available next steps.
Compare your options
Review the mortgage choices, estimated costs, rates, and terms available for your situation.
Move toward closing
Once you choose an option and find a home, we’ll help you understand what is still needed to complete the process.
What you may need to apply
Every mortgage is different, but having a few documents ready can help keep your application moving.
Our current mortgage checklist includes:
- Current pay stub
- Two years of W-2 forms
- Two years of tax returns if you’re self-employed
- Copy of a current, unexpired government-issued photo ID for each applicant. If applicable, documentation verifying current U.S. immigration status.
- Two months of statements from your primary account
- Child-support information, when applicable
- A divorce decree, when applicable
- A daytime phone number
- A $50 application fee to cover the credit report
Our mortgage team will explain what applies to your situation before you submit your application. Additional documentation may be required.
Questions? We’re here to help
We offer both in-house and secondary market mortgage options. We also offer VA, FHA, and RD loans for eligible borrowers. Your options will depend on your needs, qualifications, and the property you plan to purchase.
An in-house mortgage is held and serviced by Heritage South after closing. You can continue working with our local team when you have questions about your mortgage.
We originate a secondary market mortgage, while another mortgage company completes the underwriting, provides the funds, and services the mortgage after closing. This may give you access to additional loan choices.
Secondary market mortgage options may be available for eligible home purchases in all 50 states. Talk with our mortgage team to confirm availability for your location.
Pre-approval may be available and can help you understand how much you may be able to borrow before you begin shopping. Pre-approval does not guarantee final approval.
Yes. VA purchase loans are available for eligible veterans. Contact our mortgage team to learn about eligibility, terms, and the documents you may need.
Mortgage rates may change daily, so they are not listed as fixed rates online. Call our mortgage team for current information.
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