Loans

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With terms tailored to meet your budget, Southeastern Bank offers different types of loans that can be used for a variety of needs. Our streamlined application process helps qualified customers obtain loan approval in a timely manner.

See below for a listing of the types of loans available; call us today to get more information about these loans or a loan that will suit your needs.

Home Loans

Looking for a mortgage? We offer several options and terms to meet your needs. Learn more.

Fixed-Rate Mortgage

The most popular type of mortgage, fixed-rate mortgages offer you the security of a principal and interest payment amount that remain the same for the life of your loan. We offer a full range of fixed-rate mortgage loan options with a variety of terms.

Adjustable Rate Mortgage (ARM)

An adjustable rate mortgage, or an “ARM”, is a loan that offers a low initial interest rate and monthly payment. The low initial interest rate and monthly payment of an ARM may change at predetermined intervals based on interest rate movements. Interest rates and payments are fixed for the initial period of 5 years with annual adjustments thereafter. Changes are tied to an index rate. Our index rate is the 1-year Constant Maturity Treasury (CMT) rate. Depending on market conditions, your adjusted rate may be higher or lower than your initial rate, but all of our ARMS have periodic and lifetime rate caps to help your plan your payments.

Affordable Housing Loans; FHA and VA Loans

Take advantage of government loans with the lowest possible down payment.
We specialize in offering the best rates and terms available on government insured and guaranteed home mortgages. With the lowest down payment available, these loans are ideal for the first-time home buyer.

For more information on any of these loans, Find a lender in your area.
Click here for a detailed listing of our Mortgage Loan Originators and their NMLS ID numbers.

Home Equity Loans and Lines

Let your equity work for you. A home equity loan or line of credit offers competitive interest rates and payment terms to meet your needs. Learn more.

  • Flexibility, borrow as needed
  • Make home improvements
  • Consolidate bills
  • Buy a new car, truck, SUV or boat
  • Take a vacation
  • Medical expenses

For more information about Home Equity Loans and Lines of Credit, Find a lender in your area.

Auto Loans

Buying a new or used car, truck, van or SUV? Our auto loans give you great low rates and quick approvals. Learn more.

  • Competitive low rates
  • Fast approvals
  • Quick, easy application
  • New or used vehicles
  • Cars, trucks, vans and SUVs
  • Flexible terms to fit your purchase
  • Local decision-making

For more information about an Auto Loan, Find a lender in your area.

Bank-Owned Properties

In the market for a home, investment property or lot? Click here to view bank-owned/foreclosed properties and homes offered by Southeastern Bank.

Construction Loans

Building your dream home or remodeling? Construction loans cover you from the ground up. Learn more.

  • Competitive rates
  • Fixed rates
  • Interest-only payments during construction
  • Payments based on the amount of your monthly draw
  • Local decision-making

For more information about a Construction Loan, Find a lender in your area.

Personal Loans

Satisfy every borrowing need with the right loan, at the right rate, as quick as possible. Southeastern Bank offers competitive rate and flexible terms. Learn more.

  • Secured or unsecured loan options available
  • Competitive rates
  • Flexible terms
  • Secure your loan with a CD or savings account
  • Use the funds for:
    • Debt Consolidation
    • Land purchases
    • Boats
    • Recreational Vehicles
    • Vacation
  • Local decision-making

For more information about a Personal Loan, Find a lender in your area.

Boat and Recreational Vehicle Loans

Whether you are looking for a new or used boat or an RV for your next road trip, Southeastern Bank offers loans to get you started on your next adventure. Learn more.

  • Competitive low rates
  • Fast approvals
  • Quick, easy application
  • New or used boats and RVs
  • Flexible terms to fit your purchase
  • Local decision-making

For more information about Boat and RV Loans, Find a lender in your area.

** Please click here for a detailed listing of our Mortgage Loan Originators and their NMLS ID numbers.