Meet Our Mortgage Loan officer Tate Felts
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.
Market-Savvy Problem Solver
Tate stands out for his ability to find creative, effective financing solutions in fast-moving or complex real estate markets. His deep knowledge, fast underwriting turnaround, and proactive communication allow him to resolve issues quickly and close deals with confidence.
Exceptional Client Support
Tate’s partnership with his assistant Tracy enables him to provide a smooth, responsive, and highly supportive experience. From initial consultation to closing, he keeps clients informed and reassured—ensuring they feel prioritized, heard, and well taken care of throughout.
OBX Roots, Strong Values
For Tate, the Outer Banks isn’t just where he works—it’s home. He and his wife Diane are raising their children, Dagan and Joslyn, to appreciate the tight-knit community and coastal beauty of OBX. Whether coaching youth sports or fishing with his son, Tate lives with purpose and balance—values that shine through in how he supports the families he serves.
The One Who Gets It Done
Tate has built a reputation as the Loan Officer who delivers—especially when timelines are tight or transactions are tricky. His referral partners and repeat clients trust him to bring clarity, speed, and integrity to every deal. Known for saving transactions others couldn’t, Tate’s legacy is rooted in follow-through, perseverance, and a rock-solid work ethic.
OBX Lending Specialist
Few understand the Outer Banks market like Tate. From 4x4-access homes in Carova to construction loans in Hatteras, he’s uniquely equipped to guide buyers through the nuances of coastal lending. His expertise in second homes, investment properties, and the OBX landscape gives clients a strong advantage in this distinctive East Coast market.
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Testimonials
Hear From Our Clients
See how our clients achieved their homeownership goals with us.
Working with Tate Felts and his team was an incredible experience from start to finish. From the very beginning, Tate took the time to walk us through every step of the process, explaining everything we needed to know about purchasing a second home and how the lending process would work. His communication was clear, timely, and reassuring, which made all the difference for us!! Tate and his team were organized, responsive, and genuinely cared about making this a smooth and successful transaction. We’re so grateful for their support and highly recommend Tate to anyone looking to purchase in the Outer Banks. You’ll be in excellent hands!
Absolutely incredible experience! Tate and his assistant Tracy were a dream team. They made the process of securing a mortgage for our second home at the beach completely seamless. From start to finish, they were professional, knowledgeable, and always a step ahead. They took the time to explain every detail, answer all our questions, and ensure we felt confident every step of the way. Communication was excellent, and they worked very quickly to secure the best possible terms and super fast underwriting. Buying a home can be stressful, but Tate and Tracy made it smooth and enjoyable. Highly recommend to anyone in need of a trustworthy and efficient loan officer!
Tate was amazing to work with on our refinance! The market is crazy right now and closings are taking longer than normal. However Tate and his team stayed on top of things, kept us well informed and helped make our closing a success. Not to mention he got us an excellent rate. I highly recommend that anyone looking to purchase or refinance a property give Tate a call.
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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.
