VA Loans — Southern Trust Mortgage

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. Our programs offer no down payment, competitive rates, and flexible credit options, making homeownership more attainable for those who have served.

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 an VA Mortgage?

A VA mortgage is a government-backed home loan guaranteed by the Department of Veterans Affairs, offering eligible service members and veterans affordable financing with valuable benefits.

VA loans are a great option for:

Members of the National Guard and Reserves
Surviving spouses of service members who died in the line of duty
Active-duty service members

Veterans
Spouses of service members who had a a service-related disability

Benefits of VA Mortgages

Zero Down Payment & No PMI

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

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.

what you need

Requirements for a VA Mortgage

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

To qualify for a VA mortgage, you generally need:

Certificate of Eligibility (COE)
Satisfactory credit history
Sufficient income to meet loan requirements
Active-duty, veteran, Guard, Reserve, or qualifying spouse status

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

Key Features of VA Loans

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.

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.

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

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.

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.

For Those Who Served

Honoring Service With VA Home Loans

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.

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.