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Mortgage Loans

Buying a new home will keep you busy enough. Let SouthEast Bank do the heavy lifting on the financing.

Home Financing Options

Experience the community bank difference when purchasing a new home, refinancing your existing home, or letting your home equity work for you. Since many of our loan decisions are made locally, you can expect reliable service with faster closings and fewer delays, all at great rates and terms.

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We offer:

Traditional Home Loans

Our mortgage experts work with a variety of loan programs and can help find the one that's right for you. We'll meet at a time and location that's convenient for you and explain what to expect when buying a home. We take the time to ease you through the home loan process, from the day you apply to the moment you're holding the keys to your new home. We offer:

  • Conventional (Fixed and ARM)
  • Jumbo
  • FHA
  • VA
  • USDA

Home Construction Loans

Borrow for the lot purchase or construction phase only. You won't pay any interest until the funds are drawn, giving you a convenient and affordable way to meet ongoing building expenses. If you're purchasing a second home or vacation property, we also have experts who specialize in working with out-of-town clients.

Home Equity Options

For your next large purchase, use the value of your home to get the most favorable interest rates and terms available.

  • Fixed Rate Home Equity Loan. Borrow what you need and pay it back over time with predictable payments and fixed rates that are often lower than typical consumer loans. 
  • Home Equity Line of Credit. Borrow what you need, when you need it. Get one-time approval on a set credit limit and only pay interest on outstanding balances, not the entire credit limit.

Mortgage Refinancing

How do you know when mortgage refinancing is right for you? You may want to simply lower your interest rate to improve cash flow or switch to a shorter term to pay off your mortgage quicker. Many people find that using the equity in their home is a great way to pay for home improvements, tuition, bill consolidation, or other life events. Your Mortgage Consultant can help you decide if refinancing is right for you.

Meet Our Mortgage Consultants


SouthEast Bank has Mortgage Consultants ready to help with all of your home financing needs. Our team shares a commitment to thorough, responsive service in order to ensure a smooth home loan application process.

Meet Our Team

Application Checklist