Mortgage Loans
We're the home of affordable rates and friendly service
Fixed-rate and adjustable-rate mortgages available
Repayment terms up to 30 years
Potentially save money by refinancing your current loan
Get personal attention from our lending experts
This is one of life's big moments. Southern Hills is proud to be part of it.
Whether it's your first home, fifth home, or forever home, picking out a new place is exciting - and getting proper financing is important. Our experienced lending team knows how to rise to the occasion and give you the personal attention you deserve. From outlining loan options to guiding you through the application process, we'll make sure you get the good-neighbor treatment every step of the way.
Southern Hills offers a variety of mortgage options
Fixed-Rate Loans
- Longer loans offer lower monthly payments while shorter terms reduce your overall interest payments
- All loans offer monthly payments
- Locking into a rate eliminates the possibility of future increases
Adjustable-Rate Loans
- When the initial period ends, rates may be adjusted periodically
- Loan caps limit how much rates may increase
Construction Loans
- Short-term loan for those having a home built from the ground up
- Easily converts to permanent mortgage when construction is complete
Mortgage Refinancing
- Fixed-rates and adjustable-rate loans available
- Potentially reduce monthly payments by switching to a loan with a lower interest rate or longer repayment period
- Eliminate debt and build equity faster by getting a new loan with a shorter repayment period
- Tap in to your home's equity to make home improvements, fund your dream vacation or any other goal you have in mind
- Contact our professional lenders to find out if refinancing your current mortgage might be the right move
Mortgage Resources
- Use our Mortgage Loan Calculator to know how much your payments will be
Meet Our Lenders
To apply for a loan, you can visit any of our locations or call us at 888-898-9839. You may also visit our loan inquiry page to inquire about a loan and have a loan officer contact you directly.
To set up a recurring payment for a loan with SHCB from a deposit account with SHCB, log in to your online banking account and select the Transfers button. During the setup, select "Recurring" from the Schedule dropdown.
To set up a recurring payment for a loan with SHCB from a deposit account with another financial institution (external account), log in to your online banking account and select the Transfers button, then select Transfer Accounts - Add Account. Proper verification must be completed before a transfer can be made from an external account.
To sign up for paperless statements, log in to your online banking account and navigate to Banking Services - eDocuments. You may enroll for different types of electronic/paperless statements such as deposit statements, deposit notices, loan bills and tax documents.