Simplify your Mortgage Journey with Southern Elite Mortgage

From Dreams to Keys, Unlock your dream home today.

Southern Elite Mortgage - Real Estate Brokers

Over 25

Years of Experience

Transparency and honesty are at the core of everything we do. We believe in clear communication and providing you with all the information you need to make informed decisions about your mortgage.

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Discover Competitive Rates and Personalized Service for Every Homebuyer

At Southern Elite Mortgage we understand that every homebuyer is unique. That's why we offer competitive rates and personalized service to meet your individual needs. Whether you're a first-time homebuyer or looking to refinance, our team of experienced professionals is here to guide you through every step of the process. We provide you with the best mortgage solutions to help you unlock the door to your dream home. Experience a smooth and transparent journey with us, where your financial goals and dreams are our top priority.

Whether you're a first-time homebuyer or looking to refinance, our team of experienced professionals is here to guide you through every step of the process. We provide you with the best mortgage solutions to help you unlock the door to your dream home. Experience a smooth and transparent journey with us, where your financial goals and dreams are our top priority.

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White Glove Experience

Home Purchase

Secure the keys to your new home with our tailored home purchase mortgage solutions, designed to fit your budget and lifestyle.

Home Refinance

Whether you looking to lower your monthly payment or consolidate debt with a cash-out, our team is dedicated to providing you with the best options for your needs.

Loan Options

Explore our diverse range of loan options, crafted to meet the unique needs of every homebuyer, from fixed-rate to adjustable-rate mortgages and more.

Personal Service, dedicated to your journey

Whether you're embarking on your first home-buying journey or you're a seasoned buyer, each step you take is uniquely yours. We're honored to stand by your side as your trusted financial partner throughout this exciting adventure.

Passion & Integrity

Passion and integrity are the driving forces behind everything we do.

We're not just in the business of mortgages; we're passionate about helping people achieve their homeownership dreams. Our team is dedicated to providing you with honest, transparent, and reliable service every step of the way. We believe in doing what's right, even when no one is looking, because integrity is non-negotiable.

Southern Elite Mortgage helping and consulting with people for mortgage loan

4.98% Client Satisfaction

Inspired to Serve

Our clients are our number one priority, and we are dedicated to providing exceptional service, personalized attention, and expert guidance at every step of your homebuying journey

Explore Mortgage Options

Navigating Mortgages with Ease and Confidence

We understand that every homebuyer's financial situation is unique. That's why we offer a variety of loan programs designed to fit your specific needs and goals.

Conventional

Conventional loans are perfect for borrowers with established credit, offering lower interest rates and APR than other fixed-rate loans. They often require less documentation than FHA or VA loans, speeding up the processing time.

100% Financing Available
Fixed and Adjustable Rate Options
No Mortgage Insurance Required with 20% Down
Competitive Interest Rates
15 or 30 Year Terms
Conventional Mortgages Home Loan Moeny Icon, Southern Elite Mortgage

FHA

Popular among first-time buyers, FHA loans are backed by the Federal Housing Authority, offering lower down payments and flexible qualifications. They are ideal for those with limited cash for down payments or closing costs.

3.5% Downpayment
Lower Credit Requirements
Reasonable Monthly Mortgage Insurance
Gift Funds Permitted
Closing Cost Assistance
Fixed and Adjustable Rate Options
Conventional Mortgages - Percent Icon

VA

VA Loans help veterans, eligible military members, and surviving spouses finance homes. Backed by the government and issued by qualified lenders, VA Loans offer flexible standards, often requiring no down payment or mortgage insurance. Our expertise in VA Loans ensures exceptional service for our military members.

Active Duty and Retired Military
100% Financing
No Monthly Mortgage Insurance
Lower Credit Requirements
Funding Fee Flexibility; Financed or waived for eligible veterans
Southern Elite Mortgage, Your dream home becomes a reality

First-Time Homebuyer

First-time homebuyers can take advantage of tailored mortgage solutions, lower down payments, and personalized guidance to make the dream of homeownership a reality.

Downpayment Assistance programs: Grants and loans designed to help cover down payment and closing cost
Tax Credits: Potential tax credits and deductions to save money
Educational Resources: Access to workshops and counseling for additional guidance
Special Loan Programs: Designed to help new buyers achieve the dream of ownership with specialty programs.
State and Local Assistance: Various state and local programs that offer additional support and incentives for first-time buyers.
Southern Elite Mortgage home loan solution, a fantastic choice for many homebuyers

Niche Programs

A program that helps every type of buyer.

Doctor Program 95% No MI to $1MM, Primary
Construction Perm (OTC) 90%
12-month Construction Only up to 95%
Interest only options
10% Down Second Homes
Loan Amounts to $3M
DSCR
Fix & Flip
Bridge Loan
Bank Statement
Lock & Shop
Extended Locks
Second Home Mortgages
Conventional Mortgages - Idea becomes a reality

Benefits of a Buydown

We love Making Home Happen more affordable. Our Seller funded buydown program will lower your monthly payments for the first 36 months of the loan! Enjoy lower payments NOW!

Improved affordability
Lower initial costs
VA, FHA & Conventional
Primary Residence
30 year fixed rate mortgage financing
Minimum Credit Score 660
2nd Mortgage financing permitted
Seller/Builder & Lender Paid
Southern Elite Mortgage, Lower Costs

Why Choose Us

From Dreams to Keys

Your Trusted Partner in achieving homeownership.

Low Interest Rates

Low interest rates designed to make owning a home more affordable, less monthly payments and less money spent over the list of your loan. Our team secures the best rate possible, ensuring that you are getting the most value out of your investment.

White Glove Service

We believe in providing our clients with a 'White Glove Experience' – a level of service that goes above and beyond to exceed your expectations. From the moment you reach out to us, you'll notice the difference. Our dedicated team of mortgage professionals is here to guide you through every step of the process with care and attention to detail.

Free Consultation

Let's get started on the path to homeownership. Our experienced mortgage advisors are here to answer your questions, explore your options, and provide personalized guidance tailored to your unique financial situation.

Journey to Homeownership starts here

We're honored to stand by your side as your trusted financial partner throughout this exciting adventure.

Navigate the Process

Receive personalized mortgage guidance tailored to your unique financial situation and homeownership goals, ensuring a smooth and informed experience.

Mortgage Solutions

Whether you're embarking on your first home-buying journey or you're a seasoned buyer, each step you take is uniquely yours. Trust that we'll always act in your best interests, offering sound advice and solutions tailored to your needs.

Let’s get started today!

Our experienced mortgage advisors are here to answer your questions, explore your options, and provide personalized guidance tailored to your unique financial situation.

Appointment

Dedicated team of experts

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Innovative technology

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Low Rates, Great Programs & low fees

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Schedule a time to chat

Let’s get started today.

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Testimonials

We love our Clients

Real reviews from some of our customers

Tonya and her team were so kind and patient with my questions. You can tell that they really care about their clients. The entire process was very easy and went smoothly. I highly recommend Tonya and her team.
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Paige Couglin

Virginia

Thanks to Kip for making this such a smooth process. Great communication throughout and his team was very personable!
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Tom Bruner

Virginia

I really enjoyed working with Tonya! She was really nice and answered all of my questions thoroughly. She made sure to go through every document in detail to make sure I understood everything fully considering this was my first big/home purchase. When she was out of the office, she made sure her assistant Brandi and rest of the team were up to date with my process and could help me along the way as well. I enjoyed working with her entire team. They were all great!
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Alicia Reddick

Virginia

Third mortgage that we've used Kip for and the service is always outstanding! We'll be back!
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Eric Bowlin

Virginia

Tonya and the team are wonderful! They always take the time to answer questions and provide prompt responses. Our experience with Tonya was seamless even though we were over 2,000 miles away the entire process. The easiest loan process we have ever gone through.
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Nicole Brown

Virginia

Kip was amazing. He went over the top to find us the best rate and loan for the house. He was nice, courteous, professional and consistent. He was always on top of things during the whole process, gave us courtesy calls to make sure were good and see if there was anything he could do to help. He and his team made sure we were always on track and had seamless communication with our realtor. He was truly a blessing to our family and we are so grateful..
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Peter Bunn

Virginia

Southern Elite Mortgage

From Dreams to Keys

Whether you're a first-time homebuyer or looking to refinance, our team of experienced professionals is here to guide you through every step of the process.