Home loans for only 5% down and no mortgage insurance? Yes please!

If you’re looking for a lower interest rate option in a rising rate economy while also retaining the flexibility of a 15-year fixed interest rate period, look no further than the non-conforming 15/15 CMT ARM Loan from Southern Trust Mortgage!

Key Features of 15/15 ARM Loans

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No Mortgage Insurance Required

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No required reserves

Benefits of our 15/15 ARM Loan

  • Minimum loan amount of $50,000
  • Maximum loan amount of $729,950
  • Primary Residence Only
  • Purchase, Rate-Term Refinance and Cash-Out Refinance available
  • Maximum LTV 95% (without secondary financing)
  • 1 Unit Only
  • 720 Credit Score
  • Max DTI Ratio 43%
  • No required reserves
  • No Mortgage Insurance
  • Low down payment requirement of only 5%!

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.