Trusted Mortgage Experts
With trusted guidance at every step, you work with experienced loan professionals who explain rates, terms, and requirements clearly, helping you choose a mortgage that fits your home purchase and budget.
Over 25
Years of experience
Trusted guidance, open communication, and tailored insights help you understand each step of the mortgage process and make informed decisions based on your financial goals.
who we are
We make home loans simple with a smooth, efficient process from application to closing. 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 homebuying journey from start to finish.
Personalized Guidance
We provide custom mortgage solutions for first-time homebuyer and experienced owners alike, ensuring clear communication and personalized guidance every step of the way.
Variety of 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 trusted guidance and financing options based on your financial profile. You work directly with loan professionals who explain requirements, timelines, and costs so you can make informed homebuying decisions.
98% Clients Satisfaction
You’ll receive expert guidance, seamless service, and customized support at every step of your journey.
What We Offer
Access a range of home loan programs designed for different financial situations, supported by experienced loan professionals and a structured approval process.
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.
Grant Programs and Down Payment Assistance
First-time homebuyers and eligible borrower 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
You work with a team that offers multiple loan types, structured support, and consistent communication throughout the process, helping you move forward with informed decisions at every stage.
Tailored Mortgage Solutions
Personalized loan options with flexible terms support purchases, refinances, and specialty loans, helping you align financing decisions with your financial goals, property plans, timelines, and long-term homeownership priorities.
Extensive Industry Experience
With 25+ years of experience, thousands of families have confidently secured home financing 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
Begin your application online or connect with a loan specialist to review programs, required documents, and next steps. This first step helps set expectations and move your home purchase or refinance forward.
Get expert advice and step-by-step support throughout your journey, ensuring you make informed decisions at every stage.
Choose from a broad range of loan programs and terms designed to support purchases, refinances, and specialty financing across different financial situations.
When To Reach Out
Our loan specialists review your situation, explain available options, and help you determine next steps based on your home purchase or refinance plans.
Leave a Message
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.
President’s Commitment to Excellence
As President, I am committed to delivering mortgage guidance that reflects responsibility, precision, and service. Whether you are purchasing, refinancing, or building, your loan structure matters. Our team offers FHA, VA, USDA, Conventional, and First-Time Homebuyer programs across multiple states, supporting a wide range of financial profiles. We focus on clear communication, efficient processing, and practical solutions tailored to each client’s goals. From application to closing, we remain accessible, responsive, and dedicated to a smooth lending experience.
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Dennis Sullivan
Driven by Support: The Southern Trust Mortgage Standard
The support I receive from Southern Trust has been a cornerstone of my success as a Loan Officer. The strong leadership is unmatched, along with an operations staff that delivers exceptional service resulting in smooth and timely closings. Together, their commitment to excellence allows me to focus on building relationships with clients and growing my business, knowing I have a reliable and dedicated team behind me.
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Tate Felts
Built for the Long Term: The Southern Trust Mortgage Experience
I love working at STM! I’ve been with the company for over 20 years, and there are so many reasons why STM is a great place to work. No one can touch our Condo Department, our nationally recognized Credit Expert,and our Priority Approval process,and the free coaching by one of the best in the business . The management and operations teams are top notch and have a get it done attitude. The management genuinely listen to their employees and care about our well-being.
DP
Darien Pearce
Backed by Strength: The Southern Trust Mortgage Difference
At Southern Trust Mortgage, Loan Officers have access to every product and program they need—but what truly sets them apart is the people. You can call the Owner, President, CFO, Head of Capital Markets, Ops, or Underwriting, and they answer. Our processes are built for success—self-employed borrowers get expert income analysis within a day, loan receive priority approval in one day, and tough scenarios are handled by a dedicated underwriting help desk. Credit challenges? Our specialist provides guidance within an hour. And with a top-tier marketing team supporting everything from websites to social media, STM gives Loan Officers the tools, technology, and people to succeed.
BC
Brian Canady
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.
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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!
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The Matt Gillespie T.
Virginia
Get Started
Begin online or speak with a loan specialist to review loan options, required documents, and next steps for moving forward.
