Our Steps
A Clear Process to Secure Your Home Loan
Experience a simple, transparent loan journey designed to guide you confidently from application to closing with trusted support.
Our Steps
Experience a simple, transparent loan journey designed to guide you confidently from application to closing with trusted support.
How It Works
Follow our straightforward process designed to guide you smoothly from application to closing, making homeownership simple and stress-free.
Your Southern Trust Loan Officer will take your application and order a credit report. With our Priority Approval program, you can go from application to approval in just one day, giving you confidence to start house shopping with a strong offer.
Partnering with a real estate agent helps you navigate the home search. Their expertise ensures competitive pricing and terms. Combine their skills with your Priority Approval letter for a strong advantage attracting sellers’ attention in today’s market.
Once you’ve found the right home, you and your agent will draft a contract and negotiate terms with the seller. During this stage, your Loan Officer can also help you lock in your rate, giving you clarity and confidence as you move forward.
After your offer is accepted, our operations team carefully reviews your documents for accuracy and completeness. An appraisal is ordered to confirm the property’s market value, and you’ll receive a Loan Estimate detailing your annual percentage rate (APR) and projected costs for better transparency.
A trained underwriter reviews your loan file, ensuring eligibility and risk standards are met. Additional documentation may be requested, and once approved, you’ll receive a commitment letter outlining loan terms and conditions. Following instructions promptly keeps your loan on track for a timely closing.
At closing, a licensed agent will review loan terms, explain each document, and provide your Closing Disclosure. You’ll learn about costs such as origination, taxes, escrow, and insurance. With everything signed and completed, congratulations, you are officially a homeowner, ready to enjoy your new property!
Ready to Buy a Home or Refinance?
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.
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.