Jackson Staff


Ruffin Lowry joined First Southern as a Senior Capital Advisor in 2013. Ruffin works with First Southern’s various capital sources, including insurance companies, conduit lenders, banks, as well as, mezzanine, equity and agency capital providers to structure custom capital solutions that meet our clients’ needs and objectives. Prior to joining First Southern Ruffin worked at Grandbridge Real Estate Capital where he specialized in the underwriting, analysis, and funding of all commercial real estate asset classes, across a variety of debt and equity capital sources, including Agency, FHA, Conduit, and Insurance Companies. Ruffin has also served as Vice President at Community Bank where he specialized in commercial and residential loan production. Ruffin’s experience as an analyst and lender provides First Southern and its clients with an in depth knowledge of commercial real estate and capital markets. Ruffin earned his Bachelor of Business Administration in finance and investments from the University of Mississippi and a Graduate Degree in Banking from the Mississippi School of Banking. He is a member of the Urban Land Institute, NAIOP, and CCIM. Email Ruffin.

philPhil Hogue has over 40 years experience in commercial mortgage lending, real estate equities, and commercial mortgage banking. He was Vice President of Realty Investments at Southern Farm Bureau Life Insurance Company where he managed commercial mortgage lending and real estate equity investments for over 30 years. Prior to his career with Southern Farm Bureau, he originated loans for correspondents of First Union Mortgage Corporation as a commercial mortgage banker. Phil has been involved with over $5 billion in real estate debt and equity transactions.

Phil attended Millsaps College and Mississippi State University where he earned his Bachelor of Business Administration with an emphasis in finance and insurance. He has completed additional coursework with the American Institute of Real Estate Appraisers and the Mortgage Bankers Association. He has served on various committees and associations in regard to real estate finance. Email Phil.