Independent mortgage brokerage · Tennessee & Florida
Southline Mortgage shops your loan across a wide panel of wholesale lenders to find the program that actually fits — then keeps you informed at every mile marker between application and closing table.
Why work with an independent broker
Southline isn't a bank — it's a brokerage. That means your loan is priced and placed with the wholesale lender best suited to your file, instead of a single institution's rate sheet and overlays.
Your file is matched against a panel of wholesale lenders rather than one bank's product menu, widening what's available to you on rate and guideline flexibility.
Every file runs through a broker with more than two decades in residential lending — not a rotating queue of loan officers.
Licensed to originate in Tennessee and Florida, built for buyers and owners moving between the two.
Loan programs
A brief look at what's available. Full detail, eligibility notes and typical use cases live on the loan programs page.
Fannie Mae / Freddie Mac-eligible financing for strong-credit borrowers with as little as 3% down.
Lower down payment and flexible-credit options for eligible buyers, veterans, and rural properties.
Financing above conforming loan limits for higher-value purchases and refinances.
Alternative-documentation programs for self-employed borrowers and investors outside standard guidelines.
Lower a rate, shorten a term, or tap equity for renovation, debt consolidation, or other goals.
Rental property financing qualified on property cash flow rather than personal income.
How it works
A straightforward look at your goals, income and credit to establish what you can borrow and on what terms.
Your file is priced across the wholesale panel to find the program and rate structure that fits.
Documentation is collected and submitted, with regular updates as the file moves through underwriting.
Final terms are confirmed and closing is scheduled with your title company or attorney.
A pre-qualification conversation takes about fifteen minutes and gives you a real number to shop with — no obligation.