Southern First’s mission is to impact lives in the communities we serve, and one of the most impactful

and wealth-building events in a person’s life is becoming a homeowner. However, many buyers

encounter obstacles such as a lack of funds for a down payment, lack of access to credit, or lack of

information about the home buying process necessary to begin the path to homeownership. With this in

mind, Southern First created a mortgage product that makes it easier for everyone in the communities

we serve to achieve their homeownership goals. As a Leadership Member of the Greater Summerville

and Dorchester County Chamber of Commerce, we are proud to offer innovative banking products to

elevate our community with better options to obtain homeownership.

The Dream Mortgage* offers up to 100% financing with competitive rates, no down payment, and no

mortgage insurance required. The Dream Mortgage is serviced by Southern First.

Homes in Low to Moderate Income Tracts or Majority Minority Census Tracts are eligible for the

Southern First Dream Mortgage with no income restrictions. Properties located outside of eligible

census tracts within the Southern First market area may also qualify for borrowers who reside in

Berkeley, Dorchester, or Charleston County and earn less than $81,039.**

If you have any questions about the Dream Mortgage or other Southern First mortgage loans, please

don’t hesitate to reach out to Lowcountry Mortgage Executive Doug Barnett at 843-568-5626 or

southernfirst.com/doug. He would be honored to help you get into your next home.

Member FDIC and Equal Housing Lender. // *Loan originations are subject to underwriting and credit

approval. Other terms, conditions, and certain fees may apply. The Dream Mortgage Program is a

Special Purpose Credit Program designed to expand access to credit for underserved borrowers (low to

moderate income and minorities) or locations, which are subject to change without notification.

Applications are subject to underwriting and credit approval; additional terms and conditions may apply.

Not all applicants will qualify. ** Sources: 2020 Census Data with 2020 ACS-5 Updates and Interim 2024

FFIEC Updates.

About Southern First Bancshares

Southern First Bancshares, Inc., Greenville, South Carolina is a registered bank holding company incorporated

under the laws of South Carolina. The company’s wholly owned subsidiary, Southern First Bank, is the second

largest bank headquartered in South Carolina. Southern First Bank has been providing financial services since

1999 and now operates in 13 locations in the Greenville, Columbia, and Charleston markets of South Carolina

as well as the Charlotte, Triangle and Triad regions of North Carolina and Atlanta, Georgia. Southern First

Bancshares has consolidated assets of approximately $4.1 billion and its common stock is traded on The

NASDAQ Global Market under the symbol “SFST.” More information can be found at www.southernfirst.com.