ENGAGE
ENGAGE
Engage with you, the members of our community.
EDUCATE
EDUCATE
Educate you on available mortgage options
EMPOWER
EMPOWER
Empower you to make informed mortgage decisions for you and your family.

Our Mission

ENGAGE
EDUCATE
EMPOWER

Our Core

VA Loans
The VA Home Mortgage has been helping active service members and veterans achieve the dream of Home ownership since 1944.
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Conversations
Team Souther hosts two informational gatherings each and every month at our Oceanside, CA location. ...
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Mortgage Terms
The mortgage industry has many unique and confusing terms and acronyms. We hope these descriptions h...
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EDUCATE
Educate you on available mortgage options
Read More
EDUCATE
Educate you on available mortgage options
Read More
ENGAGE
Engage with you, the members of our community.
Read More

What our customers are saying

Kim and Tom did a great job on my mortgage. I would recommend them over any prior mortgage professionals I have worked with.
Brett F.
Tom and Kim worked so hard to make my loan work. I'm a tough borrower with a tough income situation. After reworking my loan a few times, he was able to get me approved and we closed on the loan yesterday. Team Souther are real pro's that truly knows the business and can make things happen.
Thomas S
We loved the promptness of how everything that needed to be handled was handled.  We will absolutely recommend tom and Team Souther to family and friends.  Thanks Kim and Tom , we love our new home!!
Mike T
My experience with Tom and Team Souther was very positive!  Tom and Kim seemed to have avery detail covered.  I felt very much taken care of.
Steven O
Excellent!  Everything went very smooth.  Communication was awesome.  Any questions or concerns were answered timely and completely!  B est experience I have had with purchasing a home for the 3rd time!  Thanks Tom Souther and Kim and all involved!
Jennifer J.
As a first time home buyer I truly thought that the process to buy would be very painful.  Once the paperwork required was submitted, everything was done and approved within a very short amount of time.  Painless is the only way I can explain how I feel about my experience.
Ken W
Kim and Tom explained the differences between products in plain language that we could easily understand.  It was very easy, convenient and smooth process for us as first time home buyers!  I would highly recommend Tom, Kim and Team Souther.
Erin G
I'm a first time home buyer.  Kim and Tom were extremely patient with all my questions and worries, responsive to all my emails and phone calls and locked in a great rate for me!  I could not be happier with Team Souther.
Sarah S
Tom was very straightforward with me and that's how I like it.  I felt it was important to him that everything he said he would do, he did.  I feel like he delivered.  I am very satisfied with my experience with Team Souther.
Ken S
Everyone at Team Souther has been wonderful to work with!  Tom and Kim graciously walked me through every step of this process and the whole experience was a breeze.  I truly appreciate all of their hard work.  Thank you, Kim and Tom
Brooklyn M
Tom and Kim are awesome.  Team Souther is the best!!
Tom’s Mom

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