Trusted Mortgage Experts
With expert guidance at every step, you’ll feel supported as you secure the perfect mortgage and confidently step into lasting homeownership with clarity and ease.
Over 25
Years of experience
Clear guidance, honest communication, and tailored insights, empowering you to navigate your mortgage journey with confidence, clarity, and the knowledge needed to make informed decisions.
who we are
We make home loans simple with a smooth, efficient process from application to approval. Offering personalized guidance and a competitive edge, we help clients secure their dream homes quickly and confidently.
Quick Approval Process
Get Priority Approval in under 24 hours, empowering you to make stronger offers, close faster, and enjoy a smooth, efficient home-buying journey from start to finish.
Seasoned Lender
Southern Trust has over 25 years of experience, helping 65,000+ families achieve homeownership and successfully funding more than $15 billion in loans with trusted expertise.
Multiple Loan Options
No matter your income or homeownership goals, our variety of loan programs provides you with the perfect financing option tailored to your needs, helping you achieve your dream of homeownership.
Buy, Refinance, and Beyond
Expert guidance is provided throughout every step of the process, from application to closing. Each stage is carefully designed to meet your unique needs and goals, ensuring a smooth and seamless journey towards homeownership.
Why Choose Us
Secure a home loan with personalized guidance and flexible financing options designed for your unique needs. Experience a clear, straightforward process that helps you confidently step into homeownership.
98% Clients Satisfaction
You’ll receive expert guidance, seamless service, and customized support at every step of your journey.
What We Offer
Find the ideal loan that fits your needs. With tailored options and expert support, securing your dream home is within reach.
Conventional
Conventional loans are perfect for borrowers with established credit, offering lower interest rates and APR than other fixed-rate loans. They often require less documentation than FHA or VA loans, speeding up the processing time.
FHA
Popular among first-time buyers, FHA loans are backed by the Federal Housing Authority, offering lower down payments and flexible qualifications. They are ideal for those with limited cash for down payments or closing costs.
VA
VA Loans help veterans, eligible military members, and surviving spouses finance homes. Backed by the government and issued by qualified lenders, VA Loans offer flexible standards, often requiring no down payment or mortgage insurance. Our expertise in VA Loans ensures exceptional service for our military members.
First-Time Homebuyer
First-time homebuyers can take advantage of tailored mortgage solutions, lower down payments, and personalized guidance to make the dream of homeownership a reality.
Niche Programs
Offering specialized mortgage solutions through niche programs designed to meet the unique needs of borrowers for a seamless experience.
Benefits of a Buydown
Make homeownership more affordable with a seller-funded buydown program that lowers monthly payments for the first 36 months. Start saving and enjoy reduced payments from day one!
What Makes Us Stand Out
Achieve homeownership with expert guidance and personalized support.
Tailored Mortgage Solutions
Personalized loan options with expert guidance and flexible terms help you purchase, refinance, or secure specialty loans, making homeownership achievable, stress-free, and perfectly tailored to your unique financial goals and future plans.
Extensive Industry Experience
With 25+ years of experience, thousands of families have successfully secured homes through expert guidance, smooth transactions, and a wide range of loan programs tailored to meet diverse financial needs and homeownership goals.
Commitment to Service
Your experience is our priority, with exceptional service, clear communication, and timely support, ensuring a smooth, seamless home financing process that is tailored to your needs and focused on your complete satisfaction.
begin Today
You’ll have trusted financial support every step of the way, making your homeownership journey smooth, tailored to your needs, and focused on achieving your goals with ease and confidence.
Personalized Guidance
Get expert advice and step-by-step support throughout your journey, ensuring you make informed decisions at every stage.
Comprehensive Loan Options
Choose from Conventional, FHA, VA, First-Time Homebuyer loans, Niche Programs, and Buydown benefits for tailored solutions.
When To Reach Out
Our experienced loan specialists are here to answer your questions and provide personalized guidance tailored to your unique financial situation.
Dedicated Team of Specialists
Fast & Simple Pre-Approval
First-Time Buyer Programs
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Testimonials
Hear From Our Clients
See how our clients successfully achieved their homeownership goals through our dedicated support, expert advice, and personalized real estate solutions.
Highly recommend
Kylie was amazing!!! The whole entire made my first home buying experience very easy to understand and quick! I will definitely be working with them again in the future.
V
Victoria West
Virginia Beach, VA
Smooth Process, Caring Team!
I had the pleasure of working with Kelly and her team on a recent transaction where I represented the buyer. From start to finish, they did an outstanding job, maintaining excellent communication throughout the entire process. I couldn’t be happier with their service, and my client was thrilled as well!
M
The Matt Gillespie T.
Virginia
Smooth Process with Great Communication!
I’ve worked with Scott for the past 20 years on multiple loans. Scott and his team are extremely knowledgeable and offer top notch customer service. I highly recommend Scott whether you have a new purchase loan or a refinance. He definitely goes the extra mile for his customers.
T
Tripp N.
Virginia
Fantastic First-Time Homebuying Experience!
Home buying process can be lengthy but Mike Vaughn did an exceptional job making the process as simple and as affordable as possible for us and we moved in our new home ahead of schedule because of his efforts in the process.
R
Reed Robert
Virginia
Get Started
From the beginning, the goal is to provide a home loan experience designed with your needs in mind. Take the initial step towards your future home today.
Whether you're buying your first home or refinancing, Southern Trust Mortgage is here to guide you. With expert support and seamless loan solutions, we make homeownership simple and stress-free.
Southern Trust Mortgage LLC, NMLS #2921 ( www.nmlsconsumeraccess.org ) lends in the following states: District of Columbia – #MLB-2921 | Delaware –#036386 | Maryland | North Carolina – #205483 | Pennsylvania –#94064| South Carolina | Tennessee | West Virginia –#ML-34191 | Virginia – #MC7387 | Florida – MLD #2151; Southern Trust Mortgage, LLC d/b/a Southern Residential Lending in the following states: Georgia –#16579 | New Jersey – Licensed by the N.J. Department of Banking and Insurance. By refinancing a consumer’s existing loan, the consumer’s total finance charges may be higher over the life of the loan.
