My boyfriend and I were first time homebuyers, and I couldn't have been more grateful to have Derek and his team on our side during this time. Going through the buying process, there were many things we didn't fully understand, but Derek was there to answer any questions we had. I felt comfortable asking him, too! He made us knowledgeable and confident with the path we were choosing. Derek was referred to me, and I can't wait to do the same for others, especially first time buyers!

Derek was excellent to work with from start to finish, providing detailed guidance after our first connect, a comprehensive estimate/quote that was lower than any other lender we talked to, and has the local relationships to make sure everything goes super smoothly. We closed happily and on time, and Derek was an absolute pleasure to work with—highly recommend him for any of your lending needs!

Derek made the entire process easy and straight forward, while staying communicative and making sure I understood the process as it went along. He was great to work with and I'd absolutely recommend him to anyone!

Derek was exceptional on all accounts throughout the mortgage lending process. His communication, knowledge, and customer service exceeded all expectations. We would highly recommend using him in your home buying process. By the end of the process, he felt like family. 10/10 stars.

Derek Horton is an extraordinary person and mortgage lender. He is the best as far as customer service, information, guidance and humanity. It is my pleasure to have worked with him and to call him not just my mortgage lender but my friend.

Excellent Service

Our closing with Derek and Southern First was the easiest closing we’ve had. I recommend Derek for your mortgage needs.

We cannot recommend Derek enough! Derek was recommended by a friend that we trust and going with him was the best decision we made during our “home buying process”. He was excellent at communicating, went over and over beyond what was expected, and even took time to walk through details with me on his days off and weekends when that could have been time with his family. He is someone you can trust and rely on during the stressful process of home buying. Once again, you cannot go wrong with Derek and I PROMISE you, you will benefit more him than anyone else.

Awesome experience working with this team!

Derek and the team at Southern First made the home buying process easy! Derek went out of his way to make sure I was getting the best deal, and did an outstanding job answering any questions. I would highly reccomend talking with Derek when you are searching for your next home.