Top-Rated FHA
FHA Mortgages Built for Flexible Homeownership
Welcome to Southern Trust Mortgage, where we believe in making homeownership attainable. Backed by the Federal Housing Administration, our FHA mortgages provide low down payments, flexible credit requirements, and accessible financing options, giving buyers the confidence to move forward on their path to ownership.
Over 20+
Years of experience
Southern Trust Mortgage makes home loans simple. With our Priority Approval program, you can go from application to approval in just one day and step confidently into the market.
About this loan
What is an FHA Mortgage?
An FHA mortgage is a government-insured home loan managed by the Federal Housing Administration. It helps borrowers qualify with flexible terms, reduced down payments, and accessible requirements compared to conventional loans.
FHA loans are a great option for:
With an FHA loan, you can buy a home with as little as 3.5% down, making it easier to save up for a purchase. Some borrowers may qualify for 100% financing!
FHA loans are more forgiving of past credit issues, so you can qualify with a lower credit score compared to conventional loans.
The FHA allows higher debt-to-income ratios, which means you can qualify even if you have existing debt.
FHA loans offer competitive interest rates, which can save you money over the life of your loan.
what you need
FHA mortgage requirements are designed to be flexible, helping buyers qualify more easily through accessible guidelines that support credit, income, and financing needs.
To qualify for an FHA mortgage, you generally need:
Keys to Your Home
Guiding You to Homeownership
We provide expert guidance, resources, and tailored programs that simplify the mortgage process, helping every buyer move confidently toward successful homeownership.
FHA mortgage loans are an attractive mortgage solution for a purchase or refinance because today's FHA mortgage rates are near historic lows. The guidelines are also flexible, allowing more people to qualify. Whether you have had credit issues in the past or are simply looking to limit your down payment to 3.5%, an FHA loan might be an ideal home financing solution.
FHA loans are often more affordable than conventional loans. Borrowers benefit from a much lower down payment - as low as 3.5%. Typically FHA loans offer the same interest rates as other loans.
FHA loans are not only for lower-income borrowers. FHA loans are available to everyone. There is no maximum income restriction associated with FHA loans, but borrowers do need to establish proof of income and assets by submitting proper documentation. FHA loans are not only for first-time buyers, either. Whether borrowers are making their first home purchase or third, FHA loans are still a home financing option
If you are buying a home, your down payment can be as low as 3.5% of the price of the home. FHA also allows seller concessions up to 6% of your home purchase price.
Refinance up to 97.75% of your home value. FHA even offers up to 85% cash-out.
If you are swamped with too many monthly payments – credit cards, personal loans, car payments, 2nd liens, and other debt – now may be the best time to consolidate that debt into a single mortgage payment using an FHA loan. Your single, consolidated payment may be much lower than the total amount of individual payments you are making now. Plus, the interest may be tax deductible (consult your tax advisor).
Creative solution for those looking to purchase or refinance a residence who plan on rehabilitating the property.
Take the First Step
Unlock Your Path to FHA Homeownership
Southern Trust Mortgage provides expert support, flexible FHA loan programs,
and fast approvals, giving buyers the confidence and clarity needed to
achieve lasting homeownership.
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.
