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Land / USDA / VA

Finding the right house to call your home starts with a great mortgage.

Land Loan*

The perfect land lot is the first step to building your dream home. A Land Loan from The Southern can get you moving in the right direction.

USDA Loan* - this program is temporarily on hold

A USDA loan is a home loan that is backed by the U.S. Department of Agriculture. It falls under their Single Family Housing Program and is designed as an option to make home ownership more accessible. This is a good option for buyers with little cash savings.

VA Loan* - this program is temporarily on hold

A VA loan is a mortgage guaranteed by the U.S. Department of Veterans Affairs (VA). Only qualified U.S. veterans, active-duty military personnel and some surviving spouses are eligible for VA loans.

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5, 10, 15, and 20 year terms
Land size less than 20 contiguous acres
Build now or later
No prepayment penalty
Low origination fees

Information You May Need:

What is the total acreage?
Are there any structures on the land?
Has the land been improved?
What is the property zoned for?

This program is temporarily on hold

10, 15, 20 and 30 year terms
100% financing/no down payment
Flexible credit qualifications
No prepayment penalty
Low origination fees

Things to Consider:

Property must be located in USDA eligible location
For primary residences only

This program is temporarily on hold

10, 15, 20 and 30 year terms
Low rates
Zero down payment
No prepayment penalty
No mortgage insurance premiums
Seller can contribute to closing costs
Low origination fees