Phillip Johnson Loan Officer 8720 Stony Point Parkway, Suite 120 Richmond, VA 23235 Pager: (804) 739-1639 Office: (804) 330-5925 Toll Free: ( 888) 212-7324 Fax: (804) 330-5363 Email: PhilJ@southerntrust.com

About Phillip

In the mortgage business words like integrity, honesty and ability are synonymous with the name Phil Johnson. Over twenty three years of knowledge and experience make him one of the most resourceful financing officers in the mortgage industry. Phil takes personal gratification in guiding the home buyer from the application process to the closing table, offering advice at every juncture. Phil's knowledge, accessibility, and professional dedication to his clients and Real Estate agents provide them with confidence that they have not only made the right financial decisions, but have developed a relationship based on trust. Phil has received consistent recognition as a member of Southern Trust's "Leaders Club" for top loan producers.

Hard work and determination are key attributes of a successful business person. It is these qualities that have resulted in Phil's success and has earned him the respect of many satisfied clients and peers. His constant drive to exceed his clients' expectations brings his customers back time and time again.

Testimonials

"Shopping around for a mortgage can be an extremely tough task, especially when you take into consideration all of the different options. I have dealt with and spoken to several other lenders who were referred to me by friends, but not one of them came close to the level of service Phil Johnson provided. Always available to answer any question I came up with, Phil exhibited patience, integrity, and outstanding customer service. You might be shopping for a loan, or perhaps are already in the middle of getting one - Either way, you will do yourself a disservice if you do not talk with Phil Johnson."
- DeLayne Chowen

"Phil promised a quick closing and great rates, and he kept his word."
- Brian & Anne Durrett

"We have worked with Phil several times in the past and have complete trust in his financial guidance regarding our mortgage financing."
- Barry & Stephanie Mulvaney

"I have the utmost appreciation for Phil's outstanding abilities, professionalism, and performance in the mortgage industry. As a Realtor, I have referred several clients to Phil. He demonstrates such a unique character in operations by providing financial services (literally) 24 hours a day, seven days a week. I know at any time, I can count on him to be there for my clients. His level of client services sets and establishes a precedent no other lender can match."
- Hadassah Carter, Realtor, Century 21

"Phil provides wonderful service! I called about an equity line and thanks to Phil I'm refinancing at a much better rate!"
- Joseph Pegram