Meet Our Mortgage Loan officer Monaca Vanderpool
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.
Loan Program Expertise
Monaca’s deep knowledge of diverse mortgage products—from VA and FHA to JUMBO and 203K renovation loans—allows her to offer strategic, personalized guidance. Her ability to match each client with the best financial solution sets her apart as a trusted advisor in a complex market.
Entrepreneurial Leadership
Having successfully founded and run three companies, Monaca brings entrepreneurial acumen to her mortgage practice. Her leadership, problem-solving skills, and forward-thinking mindset make her a dynamic force in the industry who clients and colleagues look to for direction and insight.
Rooted in Military Values
Raised in a military family, Monaca embodies discipline, adaptability, and resilience—traits that guide her as a mother and mentor. These values help her connect with families facing major life transitions. Her stable, supportive presence makes her especially attuned to the emotional and financial needs of clients seeking security through homeownership.
Empowering Others to Thrive
Monaca is driven by a mission to uplift and educate. As a best-selling author and podcast host, she shares personal lessons and financial insights to inspire others. Her legacy goes beyond closing loans—she equips individuals with tools to grow, thrive, and build lasting wealth through informed decisions and empowered financial choices.
Guiding First-Time Buyers
Monaca specializes in making the mortgage process approachable for first-time buyers. She breaks down complex terms and steps into simple, clear guidance. With patience and care, she empowers clients to feel confident in their decisions, ensuring a smooth path from pre-approval to homeownership and a solid foundation for their financial future.
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 Mortgage Loan officer.
Testimonials
Hear From Our Clients
See how our clients achieved their homeownership goals with us.
Monica was great to work with. She made the process smooth and fast.
Thank you so much for working with us throughout the process of purchasing our new home. Your expertise, patience, and dedication made this journey not only smooth but truly enjoyable. We couldn't have asked for a better Loan officer to guide us through such an important milestone in our lives.
Kip and his team did a great job from start to finish. Kip answered my questions in a timely manner, even after working hours. Thank you again.
Mortgage Loan officer
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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.
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.
