SouthFirst Bank Loan Products

Automobile Loans—New and used automobiles. Rate and term is determined by the age of the automobile.

Motorcycle Loans—New and used motorcycles. Rate and term is determined by the age of the motorcycle.

Marine Loans—New and used marine(boats/sea-doos, etc.). Rate and term is determined by the age of the vessel.

Recreational Vehicle—New and used RV's(Travel trailers/Campers, etc.) Rate and term is determined by the age of the recreation vehicle.

Share Loans—Loans against deposit accounts held with SouthFirst Bank. Rate on loan is 4% above the deposit rate for a term of six months or through the maturity date, the lesser date of the two.

Unsecured Loans—SouthFirst Bank will consider unsecured loans, not to exceed 24 months, subject to qualifications.

Second Mortgage Loans—Please call 800-239-1492 or one of our Branch Representatives for loan terms and rates.

Home Equity Line of Credit Loans—Line of Credit up to 90% of appraised value, minus any existing mortgages. Payments are determined by monthly balance or can be interest only payments. Both are subject to qualifications. Rates are determined by qualifications and credit scores.

1st Mortgages (Purchase or Refinance)

SouthFirst Bank is proud to offer a wide range of loan products on Real Estate Mortgage Loans. We can offer several competitive products varying from 80% to 103% loan to values. We offer both fixed rate mortgages and adjustable rate mortgages. For SouthFirst Bank in-house loans, see rate sheet. SouthFirst Bank can also offer mortgage products through several investors and can offer lower rates. Call any SouthFirst Bank loan representative for current rates and details.

Construction Loan

SouthFirst Bank is able to offer Construction loans on property in our surrounding areas. We can do a construction loan, only, or we can perform a construction/permanent loan (one-time close).

**some restrictions may apply