Mortgages by Paige - NMLS #200705

09/09/2026

Mortgage insurance can feel like just another line item in a monthly payment… but that extra cost matters. 👀

With many traditional loan options, financing more than 80% of a home’s value means mortgage insurance gets added to the equation.

And that can mean:

🏡 A higher monthly payment
🏡 More money going toward mortgage insurance
🏡 Less of that payment going toward building equity in your home

But with SouthState’s Portfolio Prime, eligible borrowers may be able to finance up to 90% of the home’s value with no mortgage insurance.¹

Same idea of putting less than 20% down — very different outcome.

Because without MI added to the payment, you may be able to keep that monthly cost lower while putting more of your payment toward the home itself.

Keep more. Build equity faster. 🙌

And that’s exactly what this series is about: showing you where the “traditional” way isn’t necessarily the only way.

Chapter 1 down. More options coming next. 😉

𝐋𝐞𝐧𝐝𝐢𝐧𝐠 𝐭𝐡𝐚𝐭 𝐦𝐞𝐞𝐭𝐬 𝐲𝐨𝐮 𝐰𝐡𝐞𝐫𝐞 𝐲𝐨𝐮 𝐚𝐫𝐞 𝐚𝐧𝐝 𝐛𝐫𝐢𝐧𝐠𝐬 𝐲𝐨𝐮 𝐡𝐨𝐦𝐞—𝐏𝐚𝐢𝐠𝐞 𝐒𝐞𝐢𝐛𝐞𝐫𝐭, 𝐘𝐨𝐮𝐫 𝐌𝐨𝐫𝐭𝐠𝐚𝐠𝐞 𝐀𝐥𝐥𝐲.

📲 770.315.0782
📧 [email protected]
🔗 Apply Now: southstatebank.com/paigeseibert




Disclosures: All loans are subject to credit approval and program guidelines. SouthState Bank, N.A., NMLS ID #403455, Member FDIC. Program availability subject to change without notice.  Portfolio Loans | SouthState Mortgage

09/02/2026

Buying a home doesn’t always happen in the perfect order — and sometimes a traditional mortgage isn’t the only tool available. 👀

For the final chapter in this series, we’re looking at a few more options that can come into the conversation:

🤝 Bridge Loans when you’re buying before selling
🤝 HELOCs to access available home equity
🤝 Personal lines + loans
🤝 Portfolio mortgages + other relationship banking solutions

And that brings us full circle.

From Portfolio Prime and Physician Loans to Liquidity, Construction + Lot Financing and now options beyond the traditional mortgage — this series has really been about one thing:

🤝 There’s more than one way to finance a home. 🤝

Different finances. Different timelines. Different goals. Different solutions.

And sometimes the right option is simply one you didn’t know existed. 🙋‍♀️

𝐋𝐞𝐧𝐝𝐢𝐧𝐠 𝐭𝐡𝐚𝐭 𝐦𝐞𝐞𝐭𝐬 𝐲𝐨𝐮 𝐰𝐡𝐞𝐫𝐞 𝐲𝐨𝐮 𝐚𝐫𝐞 𝐚𝐧𝐝 𝐛𝐫𝐢𝐧𝐠𝐬 𝐲𝐨𝐮 𝐡𝐨𝐦𝐞—𝐏𝐚𝐢𝐠𝐞 𝐒𝐞𝐢𝐛𝐞𝐫𝐭, 𝐘𝐨𝐮𝐫 𝐌𝐨𝐫𝐭𝐠𝐚𝐠𝐞 𝐀𝐥𝐥𝐲.

📲 770.315.0782
📧 [email protected]
🔗 Apply Now: southstatebank.com/paigeseibert

08/25/2026

Buying the land and then building the home on it? That’s a whole different financing conversation. 👀

Welcome to Chapter 4: Portfolio Construction + Lot Financing.

This one is all about what happens when your plans start with a piece of land — or a set of blueprints — instead of a For Sale sign.

SouthState Bank’s Portfolio Construction + Lot Financing gives you options for both sides of that plan.

Maybe you’ve found the perfect lot but you’re not quite ready to build yet.

Or maybe the plans are drawn, the builder is ready, and it’s time to turn that empty lot into HOME.

Here’s where the financing comes in:
🏡 Lot loans available up to $1.5 million
🏡 Buy the land now and build when you’re ready
🏡 Construction financing up to 90% of the home’s value, depending on qualifications
🏡 One application + one closing for construction
🏡 And after the construction period, the loan converts to permanent financing

There are even options for major renovations, additions and rebuilds — because “building your home” doesn’t always mean starting from an empty lot.

The big picture?

You don’t necessarily have to find a house that checks every box.

Sometimes you find the land. Make the plan. And build the one that does.

Next up, we’re stepping outside traditional mortgages again and getting into Bridge Loans, HELOCs + other relationship banking solutions. 👀

Thinking about buying land, building or taking on a major renovation? Let’s figure out what financing the plan could look like. 🙋‍♀️

𝐋𝐞𝐧𝐝𝐢𝐧𝐠 𝐭𝐡𝐚𝐭 𝐦𝐞𝐞𝐭𝐬 𝐲𝐨𝐮 𝐰𝐡𝐞𝐫𝐞 𝐲𝐨𝐮 𝐚𝐫𝐞 𝐚𝐧𝐝 𝐛𝐫𝐢𝐧𝐠𝐬 𝐲𝐨𝐮 𝐡𝐨𝐦𝐞—𝐏𝐚𝐢𝐠𝐞 𝐒𝐞𝐢𝐛𝐞𝐫𝐭, 𝐘𝐨𝐮𝐫 𝐌𝐨𝐫𝐭𝐠𝐚𝐠𝐞 𝐀𝐥𝐥𝐲.

📲 770.315.0782
📧 [email protected]
🔗 Apply Now: southstatebank.com/paigeseibert

08/21/2026

What if qualifying for a mortgage had less to do with what comes in every month… and more to do with what you’ve already built? 👀

That’s where Chapter 3 comes in: Portfolio Liquidity Prime.

This one is built for borrowers with significant liquid assets whose financial picture may not translate neatly into a traditional debt-to-income calculation.

Instead of qualifying based on a traditional DTI ratio, Portfolio Liquidity Prime allows eligible borrowers to qualify using verified liquid assets — things like checking and savings accounts, stocks, bonds, mutual funds and eligible retirement accounts.

In other words: the financial strength is there. This program just gives us another way to look at it.

A few things to know:
💸 7/1 adjustable-rate mortgage
💸 Purchase, refinance and cash-out refinance options
💸 Available for primary and secondary residences
💸 Minimum credit scores can start at 680, depending on loan amount and LTV
💸 Designed to support larger loan amounts and more complex financial structures

For retirees, investors and high-net-worth borrowers especially, that can open up a very different conversation around qualifying.

Because income isn’t always the only way to tell someone’s financial story — and sometimes the assets you’ve spent years building deserve a seat at the table, too.

Next up: we’re moving from buying the home to building it — with Portfolio Prime Construction + Lot Financing. 🏡🔨

Think your assets might open up another path to financing? Let’s see what your options look like. 🙋‍♀️

𝐋𝐞𝐧𝐝𝐢𝐧𝐠 𝐭𝐡𝐚𝐭 𝐦𝐞𝐞𝐭𝐬 𝐲𝐨𝐮 𝐰𝐡𝐞𝐫𝐞 𝐲𝐨𝐮 𝐚𝐫𝐞 𝐚𝐧𝐝 𝐛𝐫𝐢𝐧𝐠𝐬 𝐲𝐨𝐮 𝐡𝐨𝐦𝐞—𝐏𝐚𝐢𝐠𝐞 𝐒𝐞𝐢𝐛𝐞𝐫𝐭, 𝐘𝐨𝐮𝐫 𝐌𝐨𝐫𝐭𝐠𝐚𝐠𝐞 𝐀𝐥𝐥𝐲.

📲 770.315.0782
📧 [email protected]
🔗 Apply Now: southstatebank.com/paigeseibert

08/18/2026

You can spend years building a career in medicine… and still run into a mortgage process that doesn’t quite account for what that career actually looks like. 👨‍⚕️👩‍⚕️

That’s where Chapter 2 of our series comes in: the Portfolio Physician Loan.

Designed specifically for eligible medical professionals, including MDs, DOs, dentists and veterinarians, this program offers a different path to home financing — and even physicians currently in residency may be eligible.

One of the biggest differences? The upfront numbers. 👀

🩺 Up to 100% financing on eligible primary-residence loans up to $2 million
🩺 No private mortgage insurance (PMI)
🩺 Financing options for primary and secondary residences
🩺 Loan amounts up to $3 million, depending on LTV and qualifications

That combination can make a pretty meaningful difference — especially when you consider that putting less than 20% down would typically mean paying PMI.

And that’s really the point of these portfolio programs.

Different financial situations call for different financing options — and sometimes there’s an option available that you simply didn’t know existed.

If you’re a physician, dentist or veterinarian — or you’re working with one who’s planning a move — the Portfolio Physician Loan may be worth knowing about.

Chapter 2 down. 🤝

Next up, we’re getting into Portfolio Liquidity Prime and how eligible assets can play a different role in financing your home.

Have questions about the Physician Loan or whether it could fit your situation? Let’s take a look. 🙋‍♀️

𝐋𝐞𝐧𝐝𝐢𝐧𝐠 𝐭𝐡𝐚𝐭 𝐦𝐞𝐞𝐭𝐬 𝐲𝐨𝐮 𝐰𝐡𝐞𝐫𝐞 𝐲𝐨𝐮 𝐚𝐫𝐞 𝐚𝐧𝐝 𝐛𝐫𝐢𝐧𝐠𝐬 𝐲𝐨𝐮 𝐡𝐨𝐦𝐞—𝐏𝐚𝐢𝐠𝐞 𝐒𝐞𝐢𝐛𝐞𝐫𝐭, 𝐘𝐨𝐮𝐫 𝐌𝐨𝐫𝐭𝐠𝐚𝐠𝐞 𝐀𝐥𝐥𝐲.

📲 770.315.0782
📧 [email protected]
🔗 Apply Now: southstatebank.com/paigeseibert

08/13/2026

You can have a strong financial picture… and still not look quite as straightforward on paper as a traditional mortgage wants you to. 👀

That’s exactly why I wanted to start this series with Portfolio Prime.

For some borrowers, income alone doesn’t tell the whole story.

🤔 Maybe you’ve built substantial assets over the years.
🤔 Maybe you’re retired.
🤔 Maybe a large portion of your wealth is invested rather than coming through a traditional paycheck.

Portfolio Prime gives eligible borrowers another way to look at the bigger financial picture by allowing qualifying assets to be considered as part of the qualification process.

And there’s quite a bit of flexibility built into the program:

💸 Financing options up to $10 million, depending on LTV and borrower qualifications
💸 A 7/1 adjustable-rate structure
💸 Cash-out refinance options
💸 And different loan-to-value and credit requirements depending on the loan amount

Basically, it’s another reminder that qualifying for a mortgage doesn’t always have to fit neatly inside the traditional box.

If you have the assets but your income on paper doesn’t quite tell the full story, this may be an option worth knowing about.

And this is only Chapter 1. 😉

We’ll be breaking down even more of the financing options available through SouthState Bank throughout this series.

Have questions about Portfolio Prime or whether it could fit your situation? I’m always happy to talk through it with you. 🙋‍♀️

𝐋𝐞𝐧𝐝𝐢𝐧𝐠 𝐭𝐡𝐚𝐭 𝐦𝐞𝐞𝐭𝐬 𝐲𝐨𝐮 𝐰𝐡𝐞𝐫𝐞 𝐲𝐨𝐮 𝐚𝐫𝐞 𝐚𝐧𝐝 𝐛𝐫𝐢𝐧𝐠𝐬 𝐲𝐨𝐮 𝐡𝐨𝐦𝐞—𝐏𝐚𝐢𝐠𝐞 𝐒𝐞𝐢𝐛𝐞𝐫𝐭, 𝐘𝐨𝐮𝐫 𝐌𝐨𝐫𝐭𝐠𝐚𝐠𝐞 𝐀𝐥𝐥𝐲.

📲 770.315.0782
📧 [email protected]
🔗 Apply Now: southstatebank.com/paigeseibert

08/10/2026

You’ve probably heard the phrase “in-house financing” before… but what does that actually mean for you? 👀

That’s exactly what we’re getting into with this new series.

SouthState Bank offers portfolio loans — meaning certain loans are kept and serviced in-house rather than being sold to a third-party investor.

And because they aren’t being built around those outside investor guidelines, there can be more flexibility in how a financing solution is structured.

Translation? More ways to look at the full financial picture — especially when a traditional mortgage doesn’t quite fit.

Over the next few chapters, we’re breaking down some of the options available through SouthState, including:

👉 Portfolio Prime — in-house financing designed to offer additional flexibility for qualified borrowers.

👉 Portfolio Prime Physician — financing built specifically with the unique financial picture of physicians in mind.

👉 Portfolio Prime Liquidity — another way to think about qualifying when your financial strength may not fit neatly into the traditional lending box.

👉 Construction + Lot Financing — options for when the plan isn’t simply “buy the house,” but build it, starting with the land and carrying through construction.

👉 Beyond Traditional Mortgages — because sometimes the right strategy involves more than the mortgage itself.

We’ll get into bridge loans, HELOCs and other relationship banking solutions that can help support the bigger financial picture.

And that’s really the point of this series.

Not every borrower looks the same on paper.
Not every home purchase follows the same path.
And not every financing strategy needs to fit inside the same box.

Consider this the table of contents. 🫡📖

Stay tuned. 👀

𝐋𝐞𝐧𝐝𝐢𝐧𝐠 𝐭𝐡𝐚𝐭 𝐦𝐞𝐞𝐭𝐬 𝐲𝐨𝐮 𝐰𝐡𝐞𝐫𝐞 𝐲𝐨𝐮 𝐚𝐫𝐞 𝐚𝐧𝐝 𝐛𝐫𝐢𝐧𝐠𝐬 𝐲𝐨𝐮 𝐡𝐨𝐦𝐞—𝐏𝐚𝐢𝐠𝐞 𝐒𝐞𝐢𝐛𝐞𝐫𝐭, 𝐘𝐨𝐮𝐫 𝐌𝐨𝐫𝐭𝐠𝐚𝐠𝐞 𝐀𝐥𝐥𝐲.

📲 770.315.0782
📧 [email protected]
🔗 Apply Now: southstatebank.com/paigeseibert

08/05/2026

When I was thinking about what mattered most in my next chapter, I kept coming back to one thing...

The ability to continue serving my clients with excellence while having access to a wide range of resources to support them along the way.

That’s one of the things I value most about SouthState Bank

Every borrower is different. Every financial picture tells a different story. And every home financing journey comes with its own opportunities and challenges.

That’s why having access to portfolio lending, specialty products, Premier Approval, local decision-making, convenient remote closings, and so much more is so meaningful.

It allows me to look at the bigger picture, explore more possibilities, and help each client find a financing strategy that truly fits their goals.

At the end of the day, that’s what this business has always been about for me—building relationships, earning trust, and helping people make confident decisions every step of the way. 🤝

𝐋𝐞𝐧𝐝𝐢𝐧𝐠 𝐭𝐡𝐚𝐭 𝐦𝐞𝐞𝐭𝐬 𝐲𝐨𝐮 𝐰𝐡𝐞𝐫𝐞 𝐲𝐨𝐮 𝐚𝐫𝐞 𝐚𝐧𝐝 𝐛𝐫𝐢𝐧𝐠𝐬 𝐲𝐨𝐮 𝐡𝐨𝐦𝐞—𝐏𝐚𝐢𝐠𝐞 𝐒𝐞𝐢𝐛𝐞𝐫𝐭, 𝐘𝐨𝐮𝐫 𝐌𝐨𝐫𝐭𝐠𝐚𝐠𝐞 𝐀𝐥𝐥𝐲.

📲 770.315.0782
📧 [email protected]
🔗 Apply Now: southstatebank.com/paigeseibert

07/31/2026

Thinking about buying, refinancing, or planning your next move?

Whether you know exactly where to start or have no idea, I’m happy to help you sort through it.

Apply using the link below. ⬇️

𝐋𝐞𝐧𝐝𝐢𝐧𝐠 𝐭𝐡𝐚𝐭 𝐦𝐞𝐞𝐭𝐬 𝐲𝐨𝐮 𝐰𝐡𝐞𝐫𝐞 𝐲𝐨𝐮 𝐚𝐫𝐞 𝐚𝐧𝐝 𝐛𝐫𝐢𝐧𝐠𝐬 𝐲𝐨𝐮 𝐡𝐨𝐦𝐞—𝐏𝐚𝐢𝐠𝐞 𝐒𝐞𝐢𝐛𝐞𝐫𝐭, 𝐘𝐨𝐮𝐫 𝐌𝐨𝐫𝐭𝐠𝐚𝐠𝐞 𝐀𝐥𝐥𝐲.

📲 770.315.0782
📧 [email protected]
🔗 Apply Now: southstatebank.com/paigeseibert

07/27/2026