Residential Mortgage Loans

• Competitive rates for home purchase, refinance, or construction 
• Available for primary residence, second homes, vacation homes, or investment properties 
• A wide range of terms customized to your unique situation 
• Variety of financing programs available: 
  
  • Fixed-rate mortgages 
  • Adjustable rate mortgages (ARMs) 
  • USDA Rural Housing Loans 
  • FHA Loans 
  • VA Loans 
  • Construction Loans 
• Helpful loan advisors with working knowledge of the Southern Illinois real estate market 
• Free pre-approval for extra confidence when buying your home 
• Refinance your current home to potentially lower your rate 
• Quick, local decision-making and processing 
• Attentive, friendly service from start to finish

Visit our mortgage center for more details and to get started!

Enjoy ongoing, affordable credit.

• Turn the equity in your home into ongoing, affordable financing 
• Competitive rates for several ongoing or seasonal needs: 
  • Education expenses 
  • Major life events 
  • Home improvements 
  • Debt consolidation 
  • Emergency reserve 
  • And much more 
• The existing equity in your home is used as collateral backing 
• Accommodating repayment terms that work uniquely for you 
• Funds available anytime without reapplying; apply once, then use repeatedly thereafter 
• Revolving credit — as principal is repaid, more becomes available for use 
• Funds easily available via in-person or phone transfers to a specified First Southern Bank checking account 
• The interest paid may be tax deductible* 
• Set up automatic payments to be deducted from your account monthly 
• Quick, local decision-making and processing 
• Attentive, friendly service from start to finish 

*Consult a tax advisor. 

Sometimes the best way to get the home of your dreams is to build it.

• Competitive rates for your home construction project 
• Available for primary residence or second home construction 
• Provides more convenience — especially toward the end of the construction phase and the beginning of permanent mortgage 
• Payments are interest-only during construction phase 
• Multiple options for construction draws are available

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