Brought To You By Southern Heritage Bank


With more than 55+ years of combined lending experience, Johnny Snow and Dustin Matthews have the experience and dedication to help make your home dreams a reality.

Whether you are buying a home, building your dream home or looking to refinance at a better rate, the mortgage team at Southern Heritage Bank is here to assist you every step of the way.

While buying a home is one of the biggest decisions you will ever make, selecting the right mortgage loan can be just as important. Your lifestyle, budget and comfort level are the types of personal factors that will help us target your best mortgage solution.

With rates competitive with any lender in town or online, you can start the process by applying online. Once the application is submitted, one of our mortgage team members will be in touch to finish the application process. Our mortgage team will be by your side every step of the way.

Southern Heritage Bank offers a full line of loan programs: Conventional, FHA, VA and 100% Rural Development. The bank also specializes in packaging construction and permanent mortgaging financing, allowing customers to work with the same mortgage team for the entire process.

Interest rates are low, and it’s a great time to buy a new house, build your dream home or refinance your home to a lower payment. Call now and we can help you get started!


We offer free pre-qualifications, so you can shop for your home knowing that you can afford the mortgage.


We offer a variety of loan options to choose from including fixed rate mortgages and adjustable rate mortgages. We offer easy-to-understand explanations of our fixed rate program on the site and a Loan Officer is always just a call or email away to discuss fixed or adjustable rate programs!

Government Loans

Looking for a no down payment VA loan or a low down payment FHA loan? You’ve come to the right place!

Checkout our Mortgage Center:

Southern Heritage Bank is an independently owned community bank with a concern for meeting the financial needs of the residents of Rapides, Catahoula and LaSalle parishes. With ten locations based in Central Louisiana, our origins are in the forests and delta lands of Central Louisiana where our officers, employees and board members are a part of the communities. Southern Heritage Bank, Member FDIC, Equal Housing Lender.

Visit our Website:

Johnny Snow, Vice President – Mortgage Lending, Dustin Matthews, Vice President – Mortgage Lending

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