Commercial Mortgages



We are very excited to announce our new Commercial Mortgage Programs, featuring loans with 30 YEAR FIXED RATES available!  

Purchase, Refinance, and Cash Out Refinance.

NOTE: On Commercial Mortgages, we can help borrowers on properties anywhere in the Gulf Coast- Alabama, Florida, Mississippi, and Louisiana.

Property Types


We can offer financing on several different property types, including  Multi Family, Mixed Use, Office, Retail, Shopping Centers, Light Industrial, Self Storage, Automotive, Mobile Home Parks, Daycare Centers, Restaurants, Bars.

Financing Options


We offer 5/1 and 7/1 Adjustable Rate mortgages with up to 30 Year amortizations, and 30 Year Fixed Rates, at up to 80% LTV.

Loan Amounts from $250,000 to $2,000,000

Interest Rates from 6-9%

Prepayment Penalty Options

  • 5% for 3 Years
  • 5% for 5 years
  • Declining 5%, 4%,3%, 2%, 1%



We offer financing for both Owner Occupied and Investment properties, and can use Full Doc (2 years Business/Personal tax returns), or Lite Doc, Bank Statement, and Stated Income.  We even have programs where we can use the cash flow of the property to qualify the loan.

Why use Southchase Mortgage?



By offering 30 Year Fixed Rates, we give business owners the comfort of knowing what their payments will be for the full term of the loan, allowing better planning and budgeting for their property.


Most loans close in 30 Days or Less


  • More options on the documentation you provide.
  • Hard to finance Property Types
  • More options on the rate and term of your loan.
  • The ability to Cash Out Refinance on your property.

Contact Us


Call Danny Phillips today to discuss your commercial property financing needs.

You can reach him at 251-978-6064, or by email at