Compare SouthState's published mortgage terms against a documented Freeman Douglas offer. Same loan scenario. Clear payments, points, lender costs and interest. Original sources included.
Independent comparison published by Freeman Douglas Corp. Freeman Douglas is not affiliated with, endorsed by, or an agent of SouthState Bank, N.A.. SouthState information is third-party public advertising, reproduced here for consumer comparison.
SouthState does not publish a rate or APR for this product on its website (checked November 1, 2026) — you must apply or call to get a number you can compare.
Douglas Wilkerson · Mortgage Broker | Branch Manager · NMLS #1680719 · Freeman Douglas Corp, DBA of Edge Home Finance
SouthState does not publish a rate or APR for this product on its website (checked November 1, 2026) — you must apply or call to get a number you can compare.
Douglas Wilkerson · Mortgage Broker | Branch Manager · NMLS #1680719 · Freeman Douglas Corp, DBA of Edge Home Finance
SouthState does not publish a rate or APR for this product on its website (checked November 1, 2026) — you must apply or call to get a number you can compare.
Douglas Wilkerson · Mortgage Broker | Branch Manager · NMLS #1680719 · Freeman Douglas Corp, DBA of Edge Home Finance
SouthState's mortgage pages describe fixed-rate, VA and FHA products in detail — and print no rate, APR, points or dated example for any of them. (The figures aggregator sites attach to SouthState are machine-simulated estimates those sites themselves say are not the bank's rates; this page does not use them.) The Freeman Douglas column publishes its priced 30-year fixed rates, APRs and payments, dated, at 0 points.
A veteran doesn't win because a bank put a flag in an ad. A veteran wins when somebody puts the bank's rate, points, APR and lender fees on one side of the page and the same loan — priced across the market — on the other, before anything gets signed. Every dollar a veteran doesn't hand over in points and fees is a dollar that stays with their family. Publishing this comparison, on the record, every day, is how we truly help our military community: not with a slogan — with the numbers.
A first-time buyer doesn't win because an ad said "3.5% down." A first-time buyer wins when somebody shows them the whole cost — rate, APR, points, mortgage insurance and lender fees — next to the same FHA loan priced across the market, before they sign. That's how we truly help our first-time homebuyer community: not with a headline — with the numbers, where everyone can check them.
Up to 100% financing with no PMI — gated by income: borrower income at or below 80% of area median, unless the home sits in a low/moderate-income or majority-minority census tract.
Same program, or the same outcome, here: Zero-down, no-PMI outcomes exist across the shelf here — VA for veterans, Florida Housing assistance, and low-down conventional — each priced on your file with the income and tract rules stated up front.
A forgivable second mortgage: 0% interest, no payments, up to $5,000 toward down payment or closing costs, forgiven over five years of ownership. It must pair with a HomeReady or Home Possible first mortgage and the same 80%-of-area-median income cap applies.
Same program, or the same outcome, here: HomeReady and Home Possible are Fannie Mae and Freddie Mac programs — any approved lender delivers them, including Freeman Douglas, with the assistance options for your county compared in one place.
Same program. Same guidelines. Way cheaper — because one bank gives you their price for it, and we price it across the market. Today's matched comparison is in the cards above.
Bank figures are taken from SouthState's own published rate pages and disclosures, captured with the date shown and linked below. Freeman Douglas figures are that day's priced scenario: $450,000 loan, 30-year fixed, primary residence, single-family, borrower-paid compensation, 0 points; down payments VA 0%, FHA 3.5%, conventional 5%. Payments are principal & interest only, recalculated from the amortization formula, never copied from an advertisement. Discount points are never lumped in with origination charges; each cost keeps its own label. Rates change daily — when this page's figures roll forward, the date above rolls with them.
SouthState publishes none — no rates, APRs or examples on its mortgage pages as of November 1, 2026. Figures on aggregator sites are simulated estimates, not SouthState's pricing.
Yes — it runs a Jacksonville mortgage operation and originates in the metro; it simply does not publish the price of its loans.
Request a documented, side-by-side financing review from Freeman Douglas — bring any Loan Estimate, or start with your own numbers.
