Equal Housing Opportunity


Southern Mutual Financial Services is an affiliate of Southern Mutual Help Association.

Southern Mutual Financial Services

Southern Mutual Financial Services (SMFS) works to fulfill the dream of home ownership for borrowers who don't otherwise have access to affordable home mortgage loans. We have a strong track record of working with individuals and families to improve their credit scores and financial status so that they are able to secure, and successfully repay, home mortgage loans. We provide a path for people who can't qualify for a conventional, mainstream home loan to nevertheless enjoy the dream - and the benefits - of home ownership.

In keeping with the stress on self-help of our affiliate organization, Southern Mutual Help Association, Inc., SMFS provides credit and financial counseling, and even home maintenance skills training, to all of its borrowers. We want our borrowers to have success in meeting their financial and home owning goals, and working with our clients to strengthen their credit ratings, financial standing and homeowner skills is an integral part of the work we do.

Our borrowers are young and old, single or with a full family, and just about everything in between. What they have in common is their desire to take control of their own finances, improve their skills, and own a home of their own.

SMFS is a certified Community Development Financial Institution (CDFI) with a ten year-plus track record, and has assisted hundreds of families to become homeowners and built wealth.