Apply for a Mortgage Loan

The Mortgage Process


Get Prequalified

If you’d like to know how much you are qualified to borrow, we can help. You can submit an online application, call and speak to a loan officer via phone, or make an appointment for a face-to-face application. To get started, you will need to provide some basic financial information, such as debt, income and assets.

Find the Loan Type That Fits Your Needs

We offer a variety of loan options to fit your individual needs. Once we collect your information and understand your unique needs, we can discuss each loan option with you, so you can fully understand down payment requirements, your estimated monthly payment amount and other factors of each individual loan offering.

Items to Gather for Your Application

There are several documents you’ll want to start gathering, but since every situation is unique, the exact documents you’ll need will vary. Following is a general list:

  1. Paystubs from the last 30 days
  2. W-2’s and/or K-1’s
  3. Proof of any other source of income
  4. Federal Tax Returns
  5. Business Tax Returns, if applicable
  6. Recent Bank Statement and/or Brokerage Statements
  7. Information on other Real Estate you Own

To begin your application, click ‘Apply Now’ below. You will be directed to the Southern Bank of Tennessee secure loan application portal. Once your application is complete, a member of our team will contact you to complete the loan application process.


Institution NMLS ID: 812333

Helpful Tips During the Purchase Process

Your lender may have questions or need additional information. Responding quickly will keep the process moving forward
Once you submit your application and your initial documents, a lot happens behind the scenes. The lender will schedule an appraisal to confirm the home’s value aligns with the purchase price. They will also do a title search to make sure there are no outstanding liens on the property.
Avoid taking on new debt or making any other financial changes while your loan is in processing. Anything that affects your debt-to-income ratio may impact your mortgage approval.
Prior to closing, you will receive a closing disclosure from us showing the actual terms of the agreement and your costs. Please review your closing documents and make sure you understand all the information. If you have any questions, please ask your lender. We want to make sure you are well-informed! If you are required to bring money to closing, your lender will help you determine the best way to get the funds to the closing agent.
On your closing day, you will meet with your closing agent and sign your loan documents. Please make sure to bring your ID to closing, and if you really want some excitement, bring your camera to take pictures to remind you of your big day! Take your time while signing and make sure you ask any questions about the documents you’re signing. After all the signing is finished, you will get the keys to your new home!
Mortgage Team Group Photo
Mortgage Team

A mortgage team you can trust

  • Local team with over 70 years of experience in lending
  • Focused on excellent customer service and clear communication
  • Fast approvals and on-site underwriting for a smooth experience