Phoebe Johnson

Celebrating Juneteenth in Galveston with the Texas Association of Real Estate Brokers

Designed for investment properties, this loan allows you to qualify without employment or income verification, focusing instead on the income generated by the property. Whether you're purchasing or refinancing, this program offers flexible solutions to grow your investment portfolio with ease. Ready to take the next step in growing your real estate portfolio? Contact me today to learn more about the DSCR program and let’s make your investment goals a reality!

Mortgage Loan Programs

Construction & Renovation
One-time closings, local decisions and quick disbursements for as little as 15% down on a variety of programs.
https://www.southstatebank.com/mortgage/mortgage-loans/construction-loans

Buyer's & Community Advantage
Up to 100% financing available with no private mortgage insurance (PMI); a mortgage programs designed to make homeownership more accessible.
https://southstatebank.com/mortgage/southstate-advantage-program

Lot Loans
Competitive rates for loans up to $750,000. Learn more HERE.
https://www.southstatebank.com/mortgage/mortgage-loans/lot-loans

Physician Loan Program
Up to 100% financing with no private mortgage insurance (PMI) for practicing Medical Doctors (MD), Doctors of Osteopathic Medicine (DO), Dentists and Veterinarians, including those in residency.
https://www.southstatebank.com/mortgage/mortgage-loans/physician-loans

Conventional Programs
Low rate programs; retained servicing on fixed-rate products.

Government Programs
Experienced underwriting with FHA, VA and USDA loans.

HomeReady® and Home Possible®
Up to 97% financing available with reduced mortgage insurance requirements and competitive rates.

Community Lending Programs
Great for first-time homebuyers – FHLBank, Florida Housing, NC Housing, SC Housing, Alabama Housing, GA Dream and other local programs that provide down payment assistance.

https://www.southstatebank.com/mortgage/mortgage-insights/down-payment-strategies

Portfolio Options
Fast and flexible; local decisions.

Jumbo Loan Programs
Fixed and ARM options for loan amounts up to $3 million with competitive interest rates.

https://www.southstatebank.com/mortgage/mortgage-loans/jumbo-mortgages