Meet Our Mortgage Loan officer Kelly Goffigan
Whether you're a first-time homebuyer or looking to refinance, our team of experienced professionals is here to guide you through every step of the process.
Whether you're a first-time homebuyer or looking to refinance, our team of experienced professionals is here to guide you through every step of the process.
Proactive Communication
Kelly consistently keeps her clients informed, anticipating their needs and addressing questions before they arise. Her clear, timely communication helps buyers feel confident and in control, especially during high-stress moments of the home loan process.
Personalized Loan Solutions
Kelly takes a consultative approach, carefully matching each client with financing options tailored to their goals. Her ability to listen, assess, and customize ensures every borrower receives a plan that fits both their lifestyle and long-term vision.
Tech Driven Mortgage Solutions
Kelly is a family-oriented professional who draws her motivation and values from her loved ones. Her experience as a daughter, sibling, and friend shapes her client relationships, where she offers genuine care and dedication. She treats every home-buyer like family—listening deeply, celebrating milestones, and going the extra mile to help them create their own place to call home.
Kelly Goffigan combines the efficiency of cutting-edge mortgage technology with the expertise of personalized service. As a Southern Trust Mortgage lender, she offers a digital application process, allowing clients to securely upload documents, track loan status in real-time, and sign disclosures from anywhere. This tech-driven approach drastically reduces paperwork and speeds up approval times. Kelly Goffigan believes technology should enhance, not replace, human connection, ensuring you always have a dedicated professional available for guidance, support and questions.
Flexible Options
Kelly’s professional legacy is defined by trust, collaboration, and excellence. Whether working with clients, underwriters, or realtors, she’s known for being dependable and solution-driven. She takes pride in fostering strong partnerships and aims to be remembered not just for the loans she closed, but for the confidence and clarity she gave each client along the way.
Your life doesn’t fit in a one-size-fits all mold, and your mortgage shouldn’t either. Kelly Goffigan specializes in providing financial flexibility, offering solutions for low down payments, down payment assistance programs, and various ways to structure your loan to best support your buying goals. She will explore all available Southern Trust products, from specialized first-time buyer options to renovation loans, a custom-fit perfect mortgage solution just for you! Kelly Goffigan‘s mission is to unlock homeownership by offering flexible terms that align with your current and future goals.
Empowerment Through Education
Kelly combines her lending expertise with a strong social media presence to educate and empower her audience. She shares timely updates, practical tips, and resources that make mortgages approachable. Her ability to bridge knowledge with digital engagement helps her meet clients where they are—building trust before, during, and after the home loan journey.
The mortgage process shouldn’t be confusing, and with Kelly Goffigan, it isn’t. She is a passionate educator committed to breaking down the entire lending journey in an easy to understand way. Kelly Goffigan takes the time to thoroughly explain the differences between APR and interest rate, the ability to secure downpayment assistance or grant programs, and the benefit of choosing a specific loan product. Her goal is to ensure every Southern Trust client is confident and empowered to make the best financial decision for their family. Never hesitate to ask a question, because Kelly Goffigan is here to make you a well-informed borrower.
Resources
See how our clients achieved their homeownership goals with us.
We've based our home loan process on empathy for our home buyers and their agents.
Estimate your monthly payment and apply with confidence!
Discover loan options tailored to your needs and start your journey with confidence.
When buying a home, there are many documents you'll need to provide to your Loan officer.
What Makes Us Stand Out
With decades of experience and thousands of loans closed, we deliver proven results through competitive rates, streamlined processing, and expert guidance tailored to every homeowner’s needs.
Testimonials
Hear From Our Clients
See how our clients achieved their homeownership goals with us.
Kelly was SO helpful with our home purchasing process from start to finish! She diligently answered all of our questions, was there for us every step of the way, and was incredibly easy to communicate with - she even gave us a thoughtful and wonderful housewarming gift basket upon our closing! If you are looking for a fantastic loan officer, look no further than Kelly Goffigan at Southern Trust!
Best lender in Hampton roads area, hands down best experience I’ve had with my first time buying a home. Walked me through every step with every detail even when something was missed or overlooked she doubled back to make sure I was comfortable before moving on to the next step, kelly has beyond perfected her craft and i definitely will recommend to friends and family very professional!
As a first time home buyer I was absolutely clueless on knowing where to start. I was referred to Kelly as my loan consultant and after one conversation all my stress was relieved. Kelly worked overtime ensuring my family’s needs were met. She is also a veteran and very knowledgeable with military moves. It put me at ease knowing she can relate to my situation. If I were to refer a friend, buy another home, or refinance, Kelly will be my go to.
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From Dreams to Keys
Whether you're a first-time homebuyer or looking to refinance, our team of experienced professionals is here to guide you through every step of the process.
