Conventional Mortgage

This type of Mortgage may be appropriate if
You want the predictability of a fixed rate a consistent payment amount for the life of the loan and you are able to make a down payment equal to 5% to 20% or more of the purchase price or appraised value.

Loan Features

  • Interest rate remains the same for the duration of the loan
  • Fixed or variable terms available

Ready to Get Started?

Click to Prequalify for a mortgage or start the online Application process.

If you prefer, you can download forms to your computer

For more information, talk to a Southern Heritage Mortgage Team Member.


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Meet the Home Loan Dream Team

Joy Akins

MLO Originator # 500782
Senior Vice President, Loan Originator
Office: 423-303-1729
Cell:  423-645-8839

Kristi Branham

MLO Originator # 500887
Loan Originator
Office: 423-303-1730
Cell: 423-310-1161

Joe Womac

MLO Originator # 500886
Loan Originator
Office: 423-303-1743
Cell: 423-596-2131

Taylor Gobble

Assistant Vice President, Loan Underwriter
Office: 423-303-1755

Karen Walker

Loan Processor
Office: 423-303-1759

Candy Rayfield

Loan Processor
Office: 423-303-1776