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Homebuyers have questions, and Southeast Home Loans has answers. Read our most frequently asked questions on a wide range of topics regarding loans.

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901-701-1339

If you have a question you don’t see answered here, please contact us (contact page link). Our team of experienced mortgage lenders are happy to help provide more information about what we do at Southeast Home Loans.
Generally it takes 1 business day or less to issue a pre-approval once all of the requested documents have been received.

Yes. Each program has unique guidelines and qualifying criteria. Please contact us to determine if you qualify.

Yes, you can apply for a loan online. Applying online is easy. Just click the “Apply Now” link and follow the guided prompts. If you’re looking to visit in person, call us at (901) 701-1339 to make an appointment. See our contact page for more information.

Generally speaking, you will need 2 years of Federal Tax Returns and W2s, along with 30 days of current pay stubs, and 2 months of bank statements. This will vary depending on your particular circumstances.
Other loans offered at Southeast Home Loans include bank statement loans for self-employed borrowers, DSCR loans for investors, Jumbo Loans, and ITIN Loans with no legal residency requirement.

We make calculating your mortgage simple. You can use our free mortgage calculator or visit https://karltongovan.floify.com.

Our in-person location is 7511 Capital Dr; Germantown, TN 38138. Southeast Home Loans serves Tennessee, Florida, Louisiana, Mississippi, and Georgia, specializing in Memphis, Atlanta, North Mississippi, and DeSoto County.

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Southeast Home Loans, LLC. was founded in 2020 by Karlton Govan with the objective of making homeownership affordable by offering accessible mortgage lending options. The company’s mission is to provide affordable home loans to individuals, acknowledging the significance of homeownership in attaining financial stability, strength, and independence. Southeast Home Loans, LLC is firmly committed to realizing this dream by continuing to offer affordable mortgage solutions and supporting clients throughout their homeownership journey.

Company NMLS: 1927621