Business Details
26 Years
experience
Your Trusted Mortgage Partner in Ocala, FL
Southern Home Loans was founded in 2000 with a mission to provide customers with the lowest possible rates and the best home loan options while delivering a personalized experience. As a direct lender, we have streamlined the mortgage process to eliminate unnecessary hassles, offering online and mobile services that empower customers to make informed decisions. Our team of experts specializes in simplifying complex loan qualifications, ensuring transparency in terms and rates for purchases, refinances, and reverse mortgages.With decades of combined experience, we prioritize client satisfaction by offering flexible solutions tailored to individual financial situations. Our commitment to innovation and customer-centric service has established us as a trusted leader in the home loan industry nationwide.
Services
30 Year Fixed Mortgage
15 Year Fixed Mortgage
Adjustable-Rate Mortgage
Construction Loans
FHA Loans
VA Loans
Jumbo Loans
Reverse Mortgage
Down Payment Assistance
Hometown Heroes Program
Details
- Year established: 2000
Highlights and features
- We offer 25+ years of expertise in mortgage lending since 2000.
- Our diverse loan portfolio caters to first-time buyers, investors, and self-employed individuals.
- We provide transparent rate comparisons and personalized loan matching tools.
- Our streamlined online application process saves thousands in annual interest costs.
- We specialize in down payment assistance programs for Florida homebuyers.
Services
30 Year Fixed Mortgage
Our 30-year fixed-rate mortgages offer consistent payments and competitive rates for long-term homeownership. Ideal for those planning to stay in their home for seven+ years, this loan provides financial stability with predictable monthly payments. Our online qualifier tool helps you compare options and secure the best rate in minutes.
FHA Loans
FHA loans require as little as 3.5% down for credit scores 580+, making homeownership accessible for first-time buyers. We simplify the FHA application process with expert guidance and competitive rates. Our team ensures you understand all requirements and benefits of this government-backed mortgage option.
Construction Loans
Finance your dream home with our construction loans that convert to permanent mortgages upon completion. We offer construction-to-permanent and stand-alone options with flexible down payment requirements. Our specialists guide you through the building process from land acquisition to move-in ready home.
Reverse Mortgage
For homeowners 62+, reverse mortgages convert home equity into tax-free income while maintaining property ownership. We provide clear explanations of payment options and eligibility requirements. Our counselors help seniors make informed decisions about this retirement financing solution.
Down Payment Assistance
Our down payment assistance programs help Florida residents overcome financial barriers to homeownership. The Hometown Heroes program offers 5% down payment support (up to $30k) for essential workers. We guide applicants through eligibility requirements and application processes for state-specific programs.
People
Brandon Crysler
Branch Manager
Brandon Crysler is a licensed mortgage professional with NMLS #162096, specializing in Florida home loans. He leads Southern Home Loans' Ocala branch with a focus on personalized service and mortgage education. His team helps clients navigate loan options from pre-approval to closing.
Questions
What mortgage options does Southern Home Loans offer?
We provide 30-year and 15-year fixed-rate mortgages, adjustable-rate loans, FHA, VA, USDA, jumbo, reverse mortgages, construction loans, and specialized programs like Hometown Heroes.
How can I check my mortgage rate?
Use our online mortgage qualifier tools to instantly see rates and terms you qualify for without affecting your credit score.
Do you offer down payment assistance programs?
Yes, we offer Florida-specific down payment assistance programs and the Hometown Heroes initiative providing up to $30,000 in support for eligible buyers.
Can self-employed individuals qualify for loans?
Yes, we offer bank statement loan programs for self-employed borrowers and investors with flexible income verification requirements.
What areas do you serve?
We operate nationwide but specialize in Florida markets including Marion, Alachua, Citrus, and Sumter counties.
How do I start the mortgage process?
Begin with our free online mortgage qualifier or contact our Ocala office directly to speak with a loan specialist about your specific needs.
