Buying a home means laying down roots. As Alabama locals ourselves, we’ll help get you the best deal on your mortgage and serve you with the southern hospitality you deserve.

  • Competitively low rates for home purchase or refinance
  • Available for primary residence, second homes, vacation homes, or investment properties
  • Flexible terms up to 30 years available
  • Fixed rate and adjustable rate mortgages (ARMs) available
  • Helpful loan advisors with working knowledge of the local real estate market
  • Free pre-approval for extra confidence when it comes to securing financing
  • Refinance your current home to potentially lower your rate
  • Local decision-making and processing of your loan request
  • Detailed, friendly service from start to finish

Visit our mortgage web center to learn more about our mortgage loans, view current rates, and apply!


  • Competitive rates for manufactured homebuyers
  • Purchase your home at a competitive rate and have it installed on your private property
  • Flexible terms available
  • Manufactured home must be less than 7 years old
  • Local decision-making and processing of your loan request
  • Detailed, friendly service from start to finish

Unlock your home's equity today with a second mortgage from WinSouth! Use the equity in your home for renovations, vacations, debt consolidation, college expenses, and much more! 


  • No Closing Costs
  • Low Fixed Rate

So what's the difference between a HELOC and a second mortgage??


  • Revolving line of credit (similar to a credit card)
  • Rate can fluctuate
  • Continued access to funds
  • Typically used for projects/expenses under $20,000

Second Mortgage:

  • Installment loan
  • Fixed rate and term
  • Minimum loan amount is $20,000


Offer good only on new closed end second mortgages originated between June 1 to July 31, 2022. WinSouth Credit Union will pay all closing costs for a $20,000 new money disbursement except for the cost of an appraisal and then a $40,000 new money disbursement would be required for that expense to be paid. Closing costs are estimated between $450 and $1,200. Property insurance is required. Available equity is based upon the current assessed value of your property minus the first mortgage balance. Maximum loan to value is 90%. Consult a tax advisor regarding the deductibility of interest. Not available for business accounts. Limited to primary residences in the state of Alabama. Subject to membership and credit approval. Rates, terms, and conditions subject to change without notice. Some restrictions apply.