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Mortgage products that help you with home ownership!

At First Southern Bank, we are staffed with highly experienced mortgage loan originators.

Dawn Baughman

NMLS #526266

Dawn joined First Southern Bank in March of 2007. Before coming to First Southern, Dawn worked in the mortgage industry for more than 14 years originating, processing and closing loans. Dawn is a member of Enon Landmark Missionary Baptist Church located in Columbia. She is also an active member of the Kiwanis Club and the MCDP Ambassadors Committee.

With her experience and knowledge of mortgage lending, Dawn enjoys helping her borrowers accomplish the dream of home ownership.

If you want to purchase or refinance a home, please contact Dawn at 601-731-6025 or

Sandra Hutson

NMLS #1277387

Sandra "Sandy" Hutson joined First Southern Bank's mortgage origination team in February 2019. Sandy has worked in the mortgage industry for more than 10 years as a processor and closer. She also worked for several years as a loan closer and title abstractor for law firms in Alabama and Mississippi. She enjoys reading, painting, fishing and most any outdoor activity.

Whether you are purchasing, refinancing or constructing a new home, Sandy is ready to assist you in choosing a mortgage loan that best fits your needs. Sandy is a member of the Hattiesburg Area Association of Realtors.

Contact Sandy today at 601-450-4311 (office), 601-520-4241 (cell) or