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Mortgages — Purchase or Refinance

Unlock the door to your dream home, invest in an addi­tion­al prop­er­ty, or bright­en up your cur­rent abode. Pur­chase or refi­nance a home with a flex­i­ble term that meets your needs. We offer fixed and adjustable rate mort­gages, accom­mo­date for var­i­ous loan types — and have a team of Mort­gage experts to help light­en your path to homeownership.

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Features

  • Fixed Rate Mort­gages:
    15, 20, and 30 year terms at a fixed inter­est rate.
  • Adjustable Rate Mort­gages (ARMs):
    7⁄1 Adjustable Rate Mort­gage – 30 year term at a vari­able rate.
  • Loan Types:
    Con­ven­tion­al, FHA, USDA, and VA.
  • 95% LTV Ratio:
    With PMI over 80%.

APR means Annu­al Per­cent­age Rate. All rates are based on an eval­u­a­tion of cred­it his­to­ry. Sub­ject to cred­it, under­writ­ing cri­te­ria and guide­lines do apply. Rates can change at any time.

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Mortgage Calculators

These bright tools are here to help shed light on your finances, but they’re just for guid­ance.
For any tax or invest­ment advice, please speak to your advi­sor.
All final loan terms will be based on the borrower’s cred­it worthiness.

A Brighter Way to Pay Sunbelt Loan, Different Bank Account

Make a pay­ment to your Sun­belt loan from an account at a dif­fer­ent bank (or finan­cial insti­tu­tion) online using SwivelPay. 

Sunbelt Loan, Sunbelt Account

Make pay­ments to your Sun­belt loan from your Sun­belt accounts through online banking.

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Have a question about Sunbelt Mortgages & Home Loans?

Click any FAQ below. Or vis­it our full FAQ page for all ques­tions and answers.

To start the loan pre-approval process, sub­mit an online appli­ca­tion, vis­it your local branch, or con­tact our Lend­ing Depart­ment at 601−649−7181 (option 4) dur­ing nor­mal busi­ness hours.

You can apply for a loan online, by phone, or in per­son. To apply online at any time for a bill con­sol­i­da­tion loan, cred­it builder, cred­it card, per­son­al loan or vehi­cle loan, get start­ed here. You can vis­it your local branch dur­ing nor­mal busi­ness hours to apply, or call our Mem­ber Ser­vices Depart­ment at 601−649−7181 (option 2) dur­ing nor­mal busi­ness hours to apply by phone.

Non-mem­bers can apply for a loan, but to apply in a branch or over the phone, you must — at min­i­mum — open a sav­ings account with Sun­belt. Before the loan is processed, mem­ber­ship eli­gi­bil­i­ty will be deter­mined. One of our lend­ing pro­fes­sion­als will con­tact you to review our mem­ber­ship requirements.