Southern Home Ownership Programs help people become homeowners. We work with those who may have faced difficulty obtaining traditional home financing or do not have the required funds for down payment and closing costs to purchase a home but can afford monthly house payments. We do this by determining your eligibility for our Programs and assist you in the home buying, mortgage and closing processes. Southern Home Ownership Programs leverages the resources of its Real Estate, Mortgage and Title Company associates on your behalf, to provide you with the best opportunity to become a homeowner. All that is required is your commitment to become a homeowner, your ability to qualify under extremely liberal Owner Finance guidelines and your confidence that you will find the exact home that meets your needs.