First Time Home Buyers — Southern Trust Mortgage

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First-Time Homebuyer Loans You Can Rely On

Welcome to Southern Trust Mortgage, where we make buying your first home simple and stress-free. Our first-time homebuyer loans provide flexible terms, low down payment options, and access to assistance programs, giving you the confidence to begin your journey to homeownership.

Over 20+

Years of experience

At Southern Trust, we believe in simplifying home loans. Our Priority Approval program takes you from application to approval in just one day, giving you confidence and a competitive advantage in today’s market.

About this loan

What is a First-Time Homebuyer Mortgage?

A first-time homebuyer mortgage helps new buyers achieve homeownership with low down payments, flexible terms, and access to grants or assistance programs that make purchasing a first home more affordable.

These loans are a smart choice for:

Buyers with limited savings
Buyers needing flexible loan options
Individuals seeking down payment assistance

Families purchasing their first home
Borrowers with moderate credit scores

Benefits of First-time Homebuyer Mortgages

Special Loan Programs

Tailored options with flexible terms designed specifically for first-time buyers.

VA, State & Local Programs

Access to VA loans and affordable housing initiatives at state or city levels.

Down Payment Assistance

Financial aid to help cover your down payment and closing costs.

Proven Results

In 2023, over 55% of buyers took advantage of first-time homebuyer programs

what you need

Qualifications for First-Time Homebuyer Mortgage

First-time homebuyer mortgage qualifications are designed to be flexible, giving new buyers access to affordable programs, lower down payments, and supportive options that make homeownership more attainable.

To qualify for a first-time homebuyer mortgage, you generally need:

Credit score of 580 or higher
Down payment starting as low as 3%
Proof of steady income and employment
Debt-to-income ratio (DTI) within program limits
First-time buyer or no ownership in last 3 years

Contact Us

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.

Credit specialist support

First-time buyer programs

New construction guidance

Download Our Homebuyer Book

Advantages of Owning Your Home

Invest in Your Financial Future

Stop paying your landlords mortgage payment! Owning your own home allows you to build equity into an asset that is truly yours.

A Space to Make Your Own

When you own your home, you're free to modify and customize as you please. Build that new deck or guest room. The options are limitless.

Unique Financial Benefits

Not only will you get the physical flexibility that comes with homeownership, you'll benefit from tax-breaks and additional financial incentives, too.

Renting versus Owning

Owning A Home:

Building Equity Over Time
Tax Benefits
Potential for Rental Income
More Creative Freedom

Renting A Home:

No Equity Building
No Federal Tax Benefits
Limited Control Over Ongoing Housing Expenses
Limited Housing Security

Get in touch to discuss your specific needs, and we'll find the program that's right for you. We have a variety of down payment options and loan programs available.</>p</p>

Common Questions About Home Ownership

Do I need money for a down payment or any other upfront expenses?

Your monthly payment depends on many factors, including the length of the loan, amount of down payment, current interest rates and a number of other factors. A variety of scenarios can be prepared for you in order to analyze potential out-of-pocket expenses.

Does owning a home have tax advantages?

While tax laws change every year, investing in a home can offer tax advantages. Consult with a local CPA to learn more about current potential deductions for things like real estate taxes and mortgage interest.

Why trust Southern Trust with your home financing?

Founded in 1998, Southern Trust Mortgage is a full-service mortgage lender. We offer diverse mortgage products designed to meet any home financing need. Our continued success is a result of the outstanding customer service we offer our clients and business partners. All of our loans are expedited through local processing, underwriting, and closing agents. Our industry-leading service truly sets Southern Trust Mortgage apart.

In business since 1998

Very competitive interest rates

Over 65,000 loans closed

In-house underwriting, processing and funding

Licensed and experienced mortgage loan officers.

Focused on developing relationships and trust.

Take the Leap

Start The Journey Towards Your First Home

Our team simplifies first-time homebuying with expert guidance, flexible programs, and support designed to make ownership accessible and stress-free.

Southern Trust

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.

General Contact

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.