Our Products

Products subject to change at any time without notice.  
At Southern Trust, we understand that everyone has different needs when financing their home.  That’s why we are proud to offer a full range of product options designed to cater to your client’s needs.
  • Conforming Fixed 30, 25, 20, 15 and 10 Year
  • Conforming Fixed 30 Year with 10 Year Interest Only
  • Conforming 3/1, 5/1, 7/1 and 10/1 ARMs
  • Conforming 3/1, 5/1, 7/1 and 10/1 ARMs with 10 Year Interest Only
  • FNMA Flex 97% Fixed 30 Year
  • FNMA DU Refi Plus/FHLMC HASP-LP Relief Refi
  • My Community 97% Fixed 30 Year
  • High Balance Fixed 30 Year (from Economic Stimulus Package, loan amounts from GSE limits)
  • FNMA HomePath Lender
  • Non-Conforming Fixed 30, 20 and 15 Year
  • Non-Conforming 3/1, 5/1, 7/1 and 10/1 ARMs
  • Non-Conforming 3/1, 5/1, 7/1 and 10/1 ARMs with 10 Year Interest Only
  • Loan Amounts to $2,000,000
  • Manufactured Housing (USDA/VHDA)
  • Extended Lock Options up to 540 Days
  • State Bond Programs:  VA:VHDA, MD: CDA, NC: NCHFA
  • USDA- Guaranteed Rural Housing Program     30 Year Fixed
  • HELOCs to 85% CLTV (piggyback and stand-alone options available)
  • Overnight Price Protection to 8:30 a.m. for New Applications, Agency Product Only
  • FHA/VA Fixed and ARMs
  • VA Jumbo (to $1,000,000)
  • Manual Underwrites available on Government Loans
  • FHA 203(k) Rehab Program (standard or streamline with high balance loan amounts)
  • FHA Jumbo (from Economic Stimulus package, loan amounts based on HUD limits)
  • Federal Home Loan Bank (FHLB) First-Time Home Buyer Grant