As a leading mortgage lender, Southeast Home Loans offers a wide range of loan programs designed to meet the diverse needs of our clients. For first-time homebuyers or seasoned homeowners alike, our team of experienced professionals is eager to make dreams of property ownership come true.
Southeast Home Loans seeks to proudly serve those who have served our country. Our VA loan program provides special benefits and opportunities for eligible veterans, active service members, and family members.
Southeast Home Loans offers assistance to first-time homebuyers by providing educational resources, personalized guidance, and affordable loan options to help homebuyers step onto the property ladder with confidence.
Our conventional loan options value competitive rates and flexible terms, making them ideal for borrowers with good credit scores and stable financial backgrounds.
Backed by the Federal Housing Administration, FHA loans offer attractive financing options, especially for individuals with limited down payment funds or lower credit scores.
Answer a few quick questions and we will point you in the right direction.
Are you a veteran, active duty military, or surviving spouse?
The HomePath Advantage Program is Southeast Home Loans' down payment assistance grant designed to help qualified buyers get into a home with little to no money out of pocket. Unlike most assistance programs, this is a true grant — not a loan, not a second lien, and not something you ever pay back.
No penalty for good credit. Buyers with 640+ scores can use conventional financing instead of being pushed into FHA.
FHA buyers receive up to 3.5%. Conventional buyers receive up to 3%. Applied directly at closing.
Open to all qualifying buyers — repeat buyers and first-timers alike. No restrictions based on prior homeownership.
No second lien means no recapture issues. If rates drop, you can refinance without the complications tied to other DPA programs.
| Loan types | FHA and Conventional Loans |
| Grant — FHA | Up to 3.5% of purchase price |
| Grant — Conventional | Up to 3% of purchase price |
| Min. credit score | 640 FICO |
| Min. loan amount | $55,000 |
| Income limit | Up to 160% AMI |
| First-time buyer required | No |
| Loan term | 25 or 30-year fixed |
| Loan purpose | Purchase only |
| States available | TN and MS |
This program is open to any buyer who meets the credit and income requirements. It is especially well-suited for:
Most down payment assistance programs attach a second lien to your property — which can create complications if you ever want to refinance. The HomePath Advantage grant is different. Because there is no second lien, you stay flexible. If rates drop after you close, refinancing is straightforward. No recapture. No payoff required. Just a simple process with minimal paperwork. It is one of the most overlooked benefits of this program — and one of the most valuable.
You Serve Others. Let Us Serve You.
The Hero Loan is Southeast Home Loans' down payment assistance grant built specifically for those who serve our communities. Same true grant as our HomePath Advantage program. One major difference: qualifying heroes have no income restrictions.
Police, fire, EMT, paramedics
Active and retired teachers
Nurses, doctors, hospital staff
Active duty and veterans
Federal, state, and local gov
The standard HomePath Advantage program has an income limit of up to 160% AMI. For qualifying heroes that limit is waived entirely. If you serve your community you deserve a path to homeownership regardless of what you earn.
Programs subject to change without notice. Not all borrowers will qualify. This is not a commitment to lend. All loans subject to credit approval. Equal Housing Lender. Southeast Home Loans, LLC — NMLS #1927621.
Our team will walk you through every option at no cost and no obligation.
or call 901-701-1339
