This type Mortgage may be appropriate if …
You have a mortgage with a rate that is 1.5% - 3.0% higher than current market rates and want to lower your rate … or you want to move to a shorter-term financing period or reduce your monthly payment amount … or you want to borrow against the equity in your home to meet a financial need.

Refinancing your mortgage may help you lock in a lower interest rate on your outstanding balance or access cash from your home’s equity.

Loan Features

  • Interest may be tax deductible. Consult your tax adviser.
  • Mortgage rates are often lower than other types of consumer loans.
  • A lower rate can mean a lower payment.
  • A shorter term can mean less paid out in interest payments over the life of the loan.
  • Refinancing can allow you to tap into the equity in your home to expand or remodel, start a business, pay for college tuition, take a vacation or meet a large expense.

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: 423-303-1767