- FHA Loans: SouthPoint Bank offers Federal Housing Administration (FHA) loans, which are backed by the government and provide low down payment options for first-time homebuyers or those with limited credit history.

- Conventional Loans: The company provides conventional home loans, which are not backed by the government. These loans typically require a higher down payment but offer more flexibility in terms of loan amounts and eligibility criteria.

- VA Loans: SouthPoint Bank offers VA loans, specifically designed for active-duty military personnel, veterans, and their eligible surviving spouses. These loans come with favorable terms, such as low or no down payment requirements and competitive interest rates.

- USDA Loans: The company provides USDA loans, insured by the United States Department of Agriculture. These loans help finance homes in eligible rural areas, offering low to no down payment options and attractive interest rates.

- Jumbo Loans: SouthPoint Bank offers jumbo loans, which exceed the conforming loan limits established by government-sponsored enterprises like Fannie Mae and Freddie Mac. These loans are suitable for financing luxury properties or homes in high-cost areas.

- Adjustable-Rate Mortgages (ARMs): Customers can opt for adjustable-rate mortgages, where the interest rate adjusts periodically based on market conditions. This option may be suitable for those planning to sell or refinance their home within a few years.

- Fixed-Rate Mortgages: The bank also offers fixed-rate mortgages, where the interest rate remains constant throughout the loan term. This provides stability and predictable monthly payments for the borrowers.

- Home Equity Loans: SouthPoint Bank provides home equity loans, allowing homeowners to borrow against the equity they have built up in their property. These loans can be used for various purposes, such as home improvements or debt consolidation.

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