Andrew Kellam Production Manager 192 Ballard Court, Suite 401 Virginia Beach, VA 23462 Cell: (757) 348-4177 Office: (757) 213-1200 Toll Free: (800) 748-2147 Fax: (757) 473-9722 Email: Andrew@southerntrust.com

About Andrew

With nearly 10 years of mortgage banking experience, Andrew understands every client has individual needs. He has tremendous knowledge of the various mortgage products available and the financial savvy to help each client select the best financing option to meet their short and long term needs. Andrew has received consistent recognition as a member of Southern Trust's "Leaders Club" for top loan producers. He also serves on the Board of Directors of the Tidewater Mortgage Bankers Association. Andrew's commitment to excellence is clearly evident in the fine reputation he has established and maintained in his field. His exceptional customer service, knowledge, and professional dedication have earned him the respect of many satisfied clients and peers.

Testimonials

"Andrew helped us when buying our first home in Virginia Beach. When we moved out of state, we used a different company for our second home purchase; the difference in service between Southern Trust and the other company was night and day. We really felt like our business was a priority when working with Andrew. We were appreciated. Needless to say, once we returned to the area and began the home buying process our first call was to Andrew."
- Robbie and Beth Ann Bell

"When my wife and I purchased a condo at the beach several years ago, we met Andrew and had our first exposure to Southern Trust. It was such a positive experience that we have worked with him on two other beach properties, and we even re-financed our city home in Chevy Chase (Washington DC) through him."
- Stephen and Donna Bower

"Andrew has a keen awareness of the multitude of products and options available in today's complex mortgage market and can assist any customer in finding the financing solution which matches his/her risk tolerance with the desired result. I have financed with Andrew several times and have referred a number of other customers who all report excellent service. I highly recommend Andrew and Southern Trust."
- Timothy J. Spillane

"Andrew Kellam at Southern Trust Mortgage has been a tremendous help to us in the purchase of several of our properties. We appreciate his professionalism and expertise. It is always great working with Andrew because we can count on him to get the job done."
- Natalie and Andrew Punzalan

"I have worked with Andrew Kellam as my lender of choice for the past six years. During this time, everyone, including family members, customers and friends who had worked with with Andrew have been satisfied with his level of knowledge of the lending market, products which best suit that particular customer, not just a "one size fits all" approach. Andrew is professional always, in addition to being a person of substance."
- Mary F. Leib, ABR, GRI Realtor® Progressive Realty