Southern Star Mortgage

Southern Star Mortgage conducts their business with a “customer for life” philosophy in mind. They will do their best to keep their customers happy, satisfied and coming back time and time again. Referrals are a big part of their business, not only from prior customers, but also from local realtors. Using the latest technological advances Southern Star Mortgage closes loans very quickly, claiming the “hour power” mortgage where the customer applies at 8:45 and is approved by 9:45!

At Southern Star the mortgage process is outlined in a simplified form. They realize that purchasing a home will probably be the largest investment their clients will ever make and understand the complexity of the endeavor. Southern Star tells the customer which documents are needed and how to organize them. The customer is then prequalified for their loan amount to aid with house hunting. Southern Star will then help their clients choose the right loan for their circumstances and help with the application. Once approval is obtained, they will close the loan in a timely fashion. In compliance with Federal law, refinance and home equity loan transactions will not close for three days, to afford the borrower time to review his loan documentation.

Loans offered by Southern Star Mortgage

Southern Star wants to find the right funding fit for their clients. They offer a myriad of loan options, some of which are outlined below:

  • Hard (CHALLENGED) Credit
  • 107% Financing
  • Refinance -Cash Out
  • 3% Down No-Doc
  • Bi-Weekly Mortgage Program
  • No-Income & No-Asset Loans
  • Jumbo Loans
  • No- Employment Loans
  • No-Credit Loans
  • Senior Reverse Mortgage
  • COFI (Cost of Funds Index) Loan
  • 3/1, 5/1, 7/1, 10/1 Adjustable Rate Mortgage
  • 30 or 15 Year Fixed Rate Mortgage
  • Home Equity Lines of Credit
  • Home Equity Fixed Loans
  • 5 or 7 Year Balloon Mortgages

Southern Star wants to help their clients in every possible way. Whether its deciding on prequalification or preapproval, or whether or not to get a home inspection, they are there to advise the customer. Southern Star’s website includes handy calculators and faqs to help inform and educate their clients.

Southern Stat Mortgage lends in the following states: Alabama, Alaska, Arizona, Arkansas, California, Colorado, Connecticut, Florida, Georgia, Illinois, Indiana, Kansas, Louisiana, Maryland, Massachusetts, Minnesota, Mississippi, Missouri, Montana, New Hampshire, New Jersey, New York, North Carolina, Oklahoma, Oregon, Pennsylvania, Rhode Island, South Carolina, Texas, Tennessee, Virginia, Washington D.C., and Wyoming. Southern Star Mortgage Corp. is an Equal Housing Lender.

As prohibited by federal law, they can not engage in business practices that discriminate on the basis of race, color, religion, national origin, sex, marital status, age (provided the customer have the capacity to enter into a binding contract), because all or part of the customer’s income may be derived from any public assistance program, or because the customer has, in good faith, exercised any right under the Consumer Credit Protection Act.

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This site is not a broker and does not collect or solicit mortgage applications. Content is for informational or comparison purposes only. Services are not available in New York. Products and services may not be available in all other states.