Mortgage Services

Southern Heritage Bank is one of the leading Mortgage Services providers in Bradley County.

Under the consistent and innovative leadership of Joy Akins, Sr. Vice President, SHB Mortgage Services has built a reputation for taking great care of customers … and earning repeat business opportunities.

Whether you’re purchasing a home or refinancing, we can help. Our experienced local lenders will help you determine the best type of loan to fit your objectives and budget. Talk to us today.

We'll Help You Choose the Right Mortgage.

  Rate Down Payment Financing Amount Closing Costs Special Features
Conventional Fixed Rate 5% Up to 95% Will usually include Appraisal Fees, Title Fees, Processing Fees and Recording Fees. A Trial Settlement Statement will be provided before closing Mortgage interest may be tax deductible.*

Restrictions may apply.
Construction Fixed Rate 20% Up to 80% of actual construction cost Will usually include Appraisal Fees, Title Fees, Processing Fees and Recording Fees.  
Refinance Adjustable OR Fixed Rate NA Up to 80% of Home's equity and balance of primary mortgage May be included in loan amount if there is sufficient equity Allows you to borrow against your home's equity to reduce interest rate, cover monthly payment or provide cash for homeowner.

Restrictions may apply.
USDA Rural Development Fixed Rate 0% 100% Acceptable for seller to pay closing costs. Property must be located in Rural Area. Please consult a Southern Heritage Mortgage expert.
Federal Housing Authority (FHA) Fixed Rate 3.5% Up to 97% Acceptable for seller to pay closing costs Various programs exist. Please consult a Southern Heritage Mortgage expert.
Veteran's Affairs (VA) Fixed Rate 0% Up to 100% The seller may pay for part of closing costs with restrictions as dictated by V.A. For qualified military veterans, unmarried spouse of service member who died on active duty or as the result of a service-connected disability, and spouse of an MIA or POW.

Restrictions may apply
Tennessee Housing Development Authority (THDA)*** Fixed Rate 0% - 3.5% Up to 100% Acceptable for seller to pay closing costs Various programs exist.

Subject to availability of state funding.

*Consult your tax adviser.  
**THDA is not a direct lender. For more information on this mortgage program, please contact a Southern Heritage Bank mortgage representative.

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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Contact Our Home Loan Dream Team

Joy Akins
MLO ID # 500782
Senior Vice President,
Loan Originator
Office: 423-303-1729
Cell:  423-645-8839
Kristi Branham
MLO ID # 500887
Loan Originator
Office: 423-303-1730
Cell: 423-310-1161
Joe Womac
MLO ID #500886
Loan Originator
Office: 423-303-1743
Cell: 423-596-2131
jakins@southernheritagebank.com kbranham@southernheritagebank.com jwomac@southernheritagebank.com