We make home buying less stressful.
We'll close your loan on time - or pay you $500.

Purchasing or refinancing a home should be an exciting time. We know you're not just purchasing a home, but investing in your future. Our mortgage service guarantee reduces the stress and worry that can come with it. We guarantee that we will close your loan by the purchase contract date or 45 days whichever is greater - or we pay you $500. As a valued Southern Commerce Bank customer, we're committed to helping you build a path to financial peace of mind.

View the full terms and conditions of the Southern Commerce Bank Mortgage Service Guarantee.

VA Loans - a special program with unique benefits exclusive to military service members and veterans - for the purchase or refinance of a home.

  • No down payment.
  • Personal VA mortgage advisor. Your mortgage advisor will work directly with you through every step of the loan process.
  • Automatic Approval Status - Southern Commerce Bank is recognized as an approved lender by the Veterans Administration. When you work with us, you can rest assured you are working with a lender who understands the VA loan program.

FHA Loans - ideal for first-time home buyers and may be easier to qualify for than conventional loans.

  • Purchase with a low down payment.
  • Qualification requirements. The FHA has specific rules for their loan product.

Conventional Loans - more loan products and options than government loans.

  • Options available to tailor your mortgage to your specific situation.
  • Choose from fixed or adjustable rates.

Jumbo Loans - for loans in excess of $417,000.

  • We are experienced at helping high-income borrowers finance high value properties.
  • Financing available up to $3,000,000.

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