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Count on us to secure the loan program that best fits your needs.

Our mortgage professionals give you the individual attention you deserve. Whether refinancing a mortgage or tapping into your equity, South County Mortgage makes you a priority throughout the entire process. We are committed to finding the mortgage loan that is perfect for you.

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APPLY FOR A LOAN

We realize purchasing a home is more than just a monetary investment. Our online loan application form makes the process of securing a mortgage loan easier than ever before.

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GET PRE-QUALIFIED

Are you ready to take the first step? We can get you pre-qualified and on the road to finding your dream home. Instantly receive a free and accurate quote; get started today!

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SOUTH COUNTY MORTGAGE

With over 20 years of experience, we ensure you get the best service you deserve.

(401) 583-4150

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Loan Process

South County Mortgage’s Steps to Secure a Great Rate.

  • Determine how much you can borrow by using our online calculator or speak with one of our highly qualified mortgage professionals.
  • Get Pre-Approved! Complete a pre-qualification form to begin your house hunting as a qualified buyer. Apply now! We make the process easy when you use our online application tool.
  • Congratulations your loan is funded! You are now one step closer to closing on your future home.

Down Payment Requirements

Putting Together Your Down Payment

Look for ways you can reduce your expenditures to put away money for a down payment. You also could enroll in an automatic savings plan at your bank to have a percentage of your pay automatically moved into a savings account. Some effective strategies to save additional funds include moving into less expensive housing, and staying local for your vacation for a year or two.

Try to find an additional job. This can be rough, but the temporary difficulty can help you get your down payment. You can also get creative about the things you could be able to sell. Maybe you own desirable items you can put up for sale at an online auction, or quality household goods for a garage or tag sale. You could also explore what any investments you hold may bring if sold.

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Refinancing Options

Refinancing: Which Program is for You?

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Reducing Your Monthly Payments

Are your refinance goals to lower your rate and consequently your mortgage payments? In that case, your best choice might be a low fixed-rate loan. Maybe you are now in a loan with a high, fixed interest rate, or a mortgage loan with which the interest rate varies - an adjustable rate mortgage (ARM).

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Cashing Out

Is cashing out your main purpose for refinancing? Maybe you're going on a much needed vacation; you have to pay tuition for your college-bound child; or you are planning some home improvements. In this case, you need to get a loan above the balance remaining on your current mortgage.

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Debt Consolidation

Do you want to pull out some of your home equity to consolidate other debt? Yes you can! If you have the equity in your home to make it work, taking care of other high interest debt (like car loans, credit cards, student loans, or home equity loans) means you may be able to save hundreds of dollars monthly.

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20 YEARS OF EXPERIENCE

Why Choose Our Services

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Simple Process
With 20 years of experience, South County Mortgage does the heavy lifting so you can concentrate on your life - not the mortgage loan.
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Exceptional Service
We are committed to communicating effectively and efficiently throughout the application, approval and funding steps of the loan process.
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Your Dedicated Team
When a question comes up, we make sure you understand the answer. We are here to guide you through every step of the process.

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Focused On Community.
Built on Trust.

Since our inception in 1995, South County Mortgage has been invested in Rhode Island communities.  Proudly sponsoring youth sports teams across the state and offering donations to local nonprofits, we have a proven track record of giving back. We also pride ourselves on honesty and trust.  We work exclusively for you, not for banks or realtors.  Our licensed loan officers are among the best in the industry with an average of over 20 years of experience.  We have the knowledge and expertise to secure the best rate and terms possible.

CLIENT FEEDBACK

What Our Clients Say About Us

Being a first time home buyer I had a lot of questions and Jason and the staff at South County Mortgage were patient and understanding. They were always willing to assist me in any way possible. Would definitely recommend to anyone who is in search for a new home!
Katie Auld
South County Mortgage did our loan for us professionally and in an exceptionally short period of time. The on line beginning process was clear and precise and user friendly. They found the lowest rates for us available and we were extremely happy with the service they provided. Thank you SCM!
Joan Murphy Dugan
This company goes the extra mile for their customers. I have actually utilized them 3 times and would never think of going to another mortgage company. PJ Byron is awesome and works very hard to broker the right deal for you!
Janice Atherly