Niche Programs — Southern Trust Mortgage

Loan Opportunities

Niche Programs for Unique Borrowing Goals

Explore mortgage solutions crafted for unique financial journeys. From doctors to entrepreneurs and investors, our niche programs provide tailored options that turn challenges into opportunities and make specialized home financing more accessible than ever.

Over 20+

Years of experience

At Southern Trust, we believe in simplifying home loans. Our Priority Approval program helps you move from application to approval in just one day, giving you a strong edge in the home-buying market.

About this loan

What is Niche Loan Program?

Niche loan programs are built for borrowers whose financial paths don’t fit standard mortgages. These specialized options open the door to financing solutions tailored to unique careers, lifestyles, and investment strategies.

It is ideal for:

Doctors & Medical Professionals
Luxury Property Buyers
Real Estate Investors

Entrepreneurs & Self-Employed
Second-Home Buyers

Benefits of Niche Loan Programs

Tailored Solutions

Loan programs carefully designed to match your specific financial goals.

Flexible Qualification

Options created for self-employed borrowers with alternative income sources.

High Loan Capacity

Access financing amounts reaching up to $3 million confidently.

Specialized Programs

Unique loans built for doctors, investors, builders, and second-home buyers.

what you need

Qualifications Needed for Niche Loan Programs

Qualifying for a niche loan requires meeting specific criteria designed to support unique borrowers with specialized financial and property needs.

Down payment amounts vary by loan type offered
Minimum credit score requirements set by each program
Proof of income or alternative documentation for eligibility
Property type must meet program-specific lending standards

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

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.

Get Started

Unlock Your Loan Options Today

Discover flexible mortgage programs built for unique needs. From niche solutions to tailored support, our experts guide you toward confident
homeownership every step of the way.

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.