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Solutions For Special Situations

Ever-changing regulations can make it difficult for good borrowers to secure a traditional home lending through programs like Fannie Mae or Freddie Mac. That’s where we really shine. When you don’t quite meet the strict requirements for a traditional mortgage, a loan through SouthStar Bank’s Portfolio Lending Program could be the answer.

As an independent community bank, we’re qualified to hold and service your note in-house. Thousands of well-qualified customers in special situations have taken advantage of this unique program to achieve their home ownership dreams. If you fall into one of the categories below, a portfolio loan may be right for you.


  • Self-employed

  • Retired

  • Starting a new job

  • Considering unique or investment property

  • Building a custom home or purchasing a second home

  • Recovering from blemished credit, foreclosure, or bankruptcy



*Loans, lines of credit, and credit cards are subject to credit approval. SouthStar Bank is an Equal Housing Lender. NMLS #410624.