Q: I've submitted my application but I haven't received a response.
A: Chances are you haven't completed the entire application. Please call a representative at 1-877-639-3511.

Q: I haven't found my subject property, can I still apply?
A: Please feel free to go through the application leaving the subject property fields blank.

Q: Does applying automatically lock in a rate?
A: No. You will be contacted by one of our representatives to lock your rate.

Q: I'm hesitant about giving my personal information. Is this site secure?
A: Our site uses secure internet protocols when transferring sensitive information. For a more complete explanation of our security policies, please see our Privacy Pledge.

Q: Is there any financial obligation to completing the application?
A: There are no fees associated with completing the Application information.

Q: I have an appraisal, can I use it?
A: It is essential that Southside Bank have an independent valuation of the property. The Financial Institutions Reform, Recovery and Enforcement Act of 1989 requires that the appraiser be engaged directly by a regulated institution. Therefore, if you have an appraisal that was ordered for another financial institution and it is less than 6 months old, you may request that institution to transfer the appraisal to us, sending us the original appraisal and their transfer letter. Otherwise, Southside Bank must order the appraisal. An appraisal ordered by a homeowner is unacceptable for mortgage lending purposes.

Q: Do I need a survey?
A: Southside Bank will waive the survey requirement on an existing property provided that there must be a master short form title policy or long form policy with no exceptions to matters of survey provided at closing. (NOTE: Some closing agents/title companies will not issue a policy without a new survey. In those cases, Southside Bank will require a new survey.) Southside Bank will require a foundation survey as a minimum requirement on proposed construction. (NOTE: The construction lender may require more than a foundation survey. In this instance, Southside Bank will accept the final new survey as well.)

Q: How long will it take to close this loan?
A: Generally we can close your loan comfortably within your lock period. However, if you delay in returning your documentation, or there is a problem with your title work, or appraisal, your lock period may not be sufficient.

Q: Can I choose my own appraiser?
A: Unfortunately, we cannot allow you to pick your own appraiser as this could present a potential conflict of interest situation. Southside Bank requires that appraisals be provided by pre-approved appraisers.

Q: What documentation will I need to close this loan?
A: For a complete list, please see our "Required Documents" page.

If you have any other questions, please feel free to contact a loan associate at 1-877-639-3511 or email info.lending@southside.com

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