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Trusted VA Loans

VA Mortgages Built for Military Families

Southern Trust Mortgage proudly supports veterans, active-duty members, and military families with trusted VA Loans. VA Loans offer no down payment requirements, competitive rates, and flexible credit options, making homeownership more attainable for those who have served.

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Benefits of VA Mortgages

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Zero Down Payment & No PMI

VA loans let you purchase a home with zero down payment requirement. Plus, no Private Mortgage Insurance (PMI) is required, saving you money every month.

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Lower Interest Rates

VA loans typically offer competitive, lower interest rates compared to conventional mortgages. This can result in substantial savings over the life of your loan.

Flexible Credit & Lower Closing Costs

VA loans offer lenient credit requirements, making them easier to qualify for. They also limit closing costs, reducing your upfront expenses.

Assumable Loan Advantage

VA loans are assumable, meaning a qualified buyer can take over your mortgage if you sell the home. This feature can make your property more attractive in a competitive market.

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Documents You'll Need to Apply for a VA Loan

VA Loans focus on eligibility and affordability, helping service members, veterans, and qualifying spouses access homeownership through government-backed benefits and simplified guidelines.

To apply for a VA Loan, you will need the following documents.
Additional documents may be requested.

  • Valid US ID (Driver’s License, Military ID, State-Issued ID, or Passport)
  • DD214 (Certificate of Release or Discharge from Active Duty)
  • W-2s & Tax Returns (past 2 years)
  • Bank Statements (last 2 months)
  • Pay Stubs or LES (last 30 days)

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Opening Doors to Your Future

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.

  • Opening Doors to Your Future
  • Income Specialist
  • Condo Specialist
  • Product Specialist

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Key Features of VA Loans

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No Down Payment Required
With a VA loan, you can use the extra money saved from no down payment for things like packing, moving, and getting settled in to your new home. Not having to make a down payment can provide some peace of mind during the home buying process.
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No Private Mortgage Insurance (PMI) Premiums Required
You can potentially save money from not having to pay for PMI premiums since VA loans do not require you to cover this cost.
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VA Loans are Easier to Qualify for than a Traditional Loan
Though a VA loan has many of the same perks as a traditional loan, it may be easier to qualify for. If you qualify, a VA loan is an easier way to close and save money.

Who is Eligible For A VA Loan?

  • Servicepersons on active duty
  • Veterans
  • Members of the National Guard
  • Reservists
  • Cadets at the U.S. Military, Air Force or Coast Guard Academy
  • Midshipmen at the U.S. Naval Academy
  • Officers of the National Oceanic & Atmospheric Administration
  • Those who have served on active duty and been honorably discharged
  • Those who have served 90 days during wartime or 181 continuous days during peacetime
  • Veterans enlisted after September 7, 1980 or who began service after October 16, 1981, have a two-year requirement
  • National Guards and reservists have a six-year requirement within certain criteria
  • Surviving spouses of veterans who died while on active duty or from a service-related disability may also be eligible
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Benefits of a VA Loan

  • No down payment.
  • No private mortgage insurance (PMI) premium requirement.
  • One-time VA Funding Fee typically required that can be financed into the loan amount. This fee ranges from 0.5% to 3.30%, depending on your service type, prior use of VA eligibility, and type of loan transaction.
  • VA rules limit the amount the borrower can be charged for closing costs.
  • Closing costs may be paid by the seller.
  • Many VA loans are assumable. Meaning that if you sell your home, the new purchaser may be able to assume or take over your mortgage rather than applying for a new mortgage.
  • VA may be able to provide you some assistance if you run into difficulty making payments.
  • It's easier to qualify for a VA loan over conventional loans.
  • For refinancing, there's a simple and easy Streamline VA option available which has no prepayment penalties and minimal underwriting requirements.

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.

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In business since 1998

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Very competitive interest rates

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Over 65,000 loans closed

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In-house underwriting, processing and funding

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Licensed and experienced mortgage loan officers.

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Focused on developing relationships and trust.

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For Those Who Served

Now It's Our Turn to Serve You

Southern Trust Mortgage proudly supports veterans, service members, and families with trusted VA home loans, offering zero down payment, competitive rates, and flexible options for affordable homeownership.

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