Blog  | Archives for May 2026

Client Retention: Why Homebuyers Keep Returning to the Same Agent

As of 2025, the average homeowner stays in their homes for just over 8 years (ATTOM).
While that duration has increased compared to previous decades, the market cycle remains inevitable. Whether a client returns to their agent for their next move, or starts fresh with a competitor, depends entirely on the foundation that agent built during their first transaction.

According to NAR, 40% of all buyers work with a real estate agent who was referred to them by a friend or family member, or one they have used previously. But what separates this 40% from the rest? It comes down to meeting specific expectations that today’s clients prioritize over everything else.

 

What Buyers Value Most

When choosing an agent, today’s buyers aren’t necessarily looking at the logos on a business card. According to 2025 data, the three most important factors for buyers are:

Experience: They want a navigator who has seen every market condition.
Honesty and Trustworthiness: Transparency is the baseline for loyalty.
Reputation: What others say about you matters more than what you say about yourself.

While factors such as specific designations, community involvement, and the firm the agent associated with are consistently ranked as the least important to the average buyer.

 

What Sellers Are Looking For

Priorities shift slightly when a client moves to the listing side of the transaction. For sellers, the decision is even more personal. Their top three priorities include:

  • Reputation
  • Honest and trustworthy
  • Existing Relationships (Being a friend or family member)

Like Buyers, Sellers are less concerned with an agent’s specific firm or their list of professional certifications. A surprising factor is that sellers do not prioritize an agent who seems 100% accessible at all hours. Instead, they value effective communication over constant communication.

 

Breaking Down the Standout Service

After the stress of touring homes and navigating bidding wars, 73% of buyers say they would use their agent again. To stay of the right side of that statistic, agents should be focusing on these three communication pillars:

Personal Connection: Buyers appreciate an agent who calls personally to deliver major updates rather than relying solely on automated systems.

Proactive Updates: Clients want to hear from you a moment a property hits the market, a price changes, or a home goes under contract.

The Power of Texting: While phone calls are for big news, texting is the preferred method for daily updates. Speed is the currency of the market, and a quick text is the fastest way to keep a client informed.

For sellers, the expectations are clear: they want expert marketing (specifically high-quality photos and detailed property info), competitive pricing to ensure no money is left on the table, and help coordinating the complex timelines of moving from one home to the next.

 

It’s All About Who You Know

The data proves that networking is at the core of real estate. 38% of found their agent through a referral or personal connection, and 28% returned to the agent they used previously.

While traditional marketing tactics like postcards, flyers, and social media ads have their place, they simply do not hold a candle to the power of word-of-mouth. Combined, a staggering 66% of sellers choose an agent based on a pre-existing relationship or trusted recommendation.

 

Our Advice?

For Agents: Be the professional your client wants to refer. Stay in active contact with your existing book of business and treat every past client like a future lead. Active communication and radical transparency are the keys to five-star service in today’s market.

For Buyers and Sellers: If you aren’t starting with a referral from a trusted friend, look for agents who specialize in your specific target area and interview them. Look for a reputation you can respect and a communication style that matches your own.

As for your mortgage, you can trust Southern Trust Mortgage to get you home. We pride ourselves on the same transparency and communication that today’s homeowners value most. Contact us today to get started!

Blog  | Archives for May 2026

How to Prepare for Your PCS: The Ultimate Military Move Guide

If you are a service member or military family, you know that moving is simply part of the mission. Whether this is your first or your next Permanent Change of Station (PCS), every move brings a unique set of challenges. Preparation is the key to a stress-free transition. Here is everything you need to know to prepare for a smooth move.

What is PCSing?

A Permanent Change of Station (PCS) is the official reassignment of a service member to a new duty location in the military. During a PCS, the military funds the relocation, including transportation of the service member, their family, and their household goods.

 

What To Do When You Receive Your PCS Orders

The moment you receive your orders, review them carefully to confirm your report date, destination, and entitlements. You destination will be classified as either CONUS (within the continental US) or OCONUS (outside the continental US), which will significantly impact your logistics.

 

Understanding Your PCS Entitlements

To ease the financial burden of relocation, the military provides several entitlements. Here are the most common:

Travel Per Diem: This daily allowance covers meals and incidental expenses. Rates very based on your location, rank, and branch.

Dislocation Allowance (DLA): This is a flat sum intended cover any the extra expenses inherent in a move. It is based on your pay grade and dependent status, and is typically received after you submit your travel claim at your new station.

Weight Allowance: The military ships your household goods based on a weight limit determined by your rank and number of dependents. Be mindful of this limit, as exceeding it may result in out-of-pocket costs.

Monetary Allowance in Lieu of Transportation (MALT): If you are driving to your new duty station, you are entitled to a mileage allowance. You will typically pay for fuel and tolls upfront and receive reimbursement after filing your travel claim.

Hotel Expenses: Your lodging expenses are covered by per diem. Ask for the government rate when booking hotels to ensure your costs stay within your allocation.

Once you have a clear picture of your entitlements, you can move from the research phase into active coordination. By using your guaranteed allowances as the foundation of your strategy, you can build a moving plan that is both financially sound and logistically organized.

 

Stay Mission-Ready with a Moving Plan

A smooth move is as much about planning as it is packing.  By treating your military allowances as a roadmap, you can create a strict moving budget to avoid unexpected financial strain.

For a more comprehensive guide for planning your move, check out our moving checklist.

 

Finding Your New Home

Once you have a clear picture on your budget and timeline, the focus shifts to the most important destination: your new home. Whether you’re looking for the community of base housing or the long-term investment of buying a home in the local area, starting your search early is the best way to secure a location that fits your family’s needs.

On-Base Housing: If you prefer to live on the installation, contact the Military Housing Office (MHO) immediately to join the waiting list.

Off-Base Housing: If you choose to live in the local community, research the surrounding neighborhoods for rental or homebuying options.

Deciding whether to rent or buy at a new duty station is a major financial decision. If you’re leaning toward homeownership, it’s a good idea to get pre-approved for a VA loan before you even start house hunting. This gives you a clear understanding of your buying power and shows sellers you’re a serious, mission-ready buyer in a competitive market.

 

Notify Your Service Providers

To avoid double billing or service gaps, contact your utility companies, internet providers, and insurance agents at least 30 days in advance. Don’t forget to schedule mail forwarding through the USPS official website.

 

Your Essentials Bag Checklist

Don’t wait until moving day to organize your must-haves. Pack an Essentials Bag to keep with you during travel containing:

  • Original orders, IDs, and travel documents
  • Medications and medical records
  • A few changes of clothing
  • Personal hygiene items and toiletries
  • Electronics and charges

This bag will be your survival kit for the final leg of the journey.

 

Let Southern Trust Mortgage Lead the Way

PCSing can be both exciting and overwhelming. At Southern Trust Mortgage, we are committed to helping our veterans and active-duty service members enjoy a smooth, stress-free move.

Whether you are moving across state lines or a neighborhood over, we offer:

Priority Approval: Get a fully underwritten credit approval in 24 hours or less.

In-House Processing: Our team handles your loan from start to finish, so you always know exactly where you stand.

Local Market Expertise: We provide a competitive edge with deep knowledge of housing trends and property values.

Ready to start your military homebuying journey? Contact us today!

Blog  | Archives for May 2026

Second Home vs Investment Property: What’s the difference?

When deciding to expand your real estate portfolio, you’ll frequently encounter the terms “second home” and “investment property”.  While the phrases are often used interchangeably in casual conversation, they carry significant differences in the mortgage world. Understanding these nuances is essential when deciding which path is right for your next purchase.

 

What is a second home?

A second home is a property you buy in addition to your primary residence with the intent to live in it for part of the year. While most people envision a vacation home at the beach or in the mountains, any property you visit regularly but do not reside in full-time can be classified as a second home.

 

How do you finance a second home?

Financing a second home is going to be like purchasing a primary residence. If you aren’t making an all-cash offer, you will need to get pre-approved with a lender. However, mortgage requirements are typically stricter for second homes because they represent a higher risk than a primary residence.

Requirements for a Second Home Mortgage:

Borrower Qualifications: You must meet specific credit score and down payment thresholds while maintaining a healthy debt-to-income (DTI) ratio.

Down Payment: Lenders typically require at least a 10% down payment.

Property Type: The home must be a one-unit property suitable for year-round occupancy.

Location: The property must be located a reasonable distance from your primary home or in a recognized vacation area.

Occupancy: You must occupy the property for a portion of the year and keep it available primarily for your personal use.

Can you rent out a second home?

Yes, but with limitations. You can typically rent out a second home on a short-term basis. Consult with your lender regarding the specific number of days you allowed for rental use to ensure you stay in compliance with your loan terms.

 

Why Buy a Second Home?

There are plenty of great reasons to buy a second home, but here are a few of the most common reasons.

A Personal Getaway: If you have a favorite vacation spot, a second home is a permanent alternative to rising rental costs.

Future Retirement Planning: Many buyers purchase a second home at today’s prices with the intent of making it their primary residence once they retire.

Providing for Family: A second home can serve as a residence for family members, helping you build generational wealth.

What is an Investment Property?

An investment property is purchased specifically to generate income, receive tax benefits, or profit from long-term appreciation. Unlike a second home, these properties are often rented full-time or purchased as “fix-and-flips” to be renovated and resold for a profit.

 

How do you finance an investment property?

Financing an investment property differs significantly from a primary or second home. Since these loans carry the highest risk for lenders, they come with more stringent qualification standards.

Requirements for Purchasing an Investment Property:

Higher Credit & Down Payment: Expect to need a stronger credit profile and a larger down payment (typically 15 – 25%).

Interest Rates: Rates are generally higher for investment properties compared to second homes.

The Rental Income Advantage: On of the benefits when financing an investment property is that lenders often allow you to use 75% of the anticipated rental income to help you qualify for the mortgage.

Important Factors to Consider:

Beyond the purchase price, ensure you budge accounts for

  • Ongoing maintenance and repairs
  • Property management fees (especially if you live far away)
  • HOA fees or short-term rental restrictions
  • Specialized Insurance: Homes in coastal or high-vacation markets often require specific coverage.

 

Determining Which Property is Right for You:

Before deciding, ask yourself these three questions:

How long do I plan to stay there? If you want a weekend getaway, go with a second home. If you never plan to visit, it’s an investment.

What are my financial goals? Are you looking for a lifestyle upgrade or a monthly cash-flow engine?

How will it be managed? Will you handle tenants, or will you need to hire a property management company?

 

Making Home Happen with Southern Trust Mortgage

At Southern Trust Mortgage, we work closely with you to understand your goals, explore your options, and guide you through every step of the process with clarity and confidence.

Whether you’re purchasing for personal use, investment, or a bit of both, our team is here to help. Contact us today to get started.

Blog  | Archives for May 2026

New Homeowners Checklist: 7 Essential Steps for Moving Into Your New Home

Congratulations on Your New Home!

Closing on a new home is a huge milestone, and while moving is exciting, the to-do list can feel overwhelming. To help you with a smooth transition, we’ve rounded up the essential tasks you should tackle as soon as you get the keys.

 

Get to Know Your Home

Before you get into the nitty-gritty of unboxing, take a safety tour of your property.

  • Locate Shut-Off Valves: Find the main water shut-off and gas valves. Knowing their location will be invaluable in an emergency.
  • Label the Breaker Box: If the electrical panel isn’t labeled, take a few minutes to identify which breakers control which rooms.
  • Organize Manuals: Gather all appliance manuals and warranties left by the previous owners and store them in a single safe location.

 

Change the Locks Immediately

Changing the locks is one of the most important safety measures for a new homeowner. You never know who has a key to the previous owner’s house. Whether you get a DIY kit from the hardware store or hire a professional locksmith, ensure your home is secure from day one.

 

Prioritize Safety: Test All Detectors

Your home inspector likely checked these weeks ago, but batteries can fail. Test every smoke and carbon monoxide detector in the house.

Pro Tip: Place a fire extinguisher on every level or your home, especially in the kitchen and garage. Make sure all family members know how to operate them in case of an emergency.

 

Perform a Deep Clean

It is much easier to scrub floors and steam carpets while the house is empty. Consider hiring a professional deep-cleaning service to sanitize the interior before your furniture arrives. This provides a fresh, blank slate feeling for your new home.

 

Tackle Renovations and Repairs

If you plan to paint walls, refinish floors, or install new carpet, do it before you move your furniture in. You’ll save time on prep work and protect your belongings from dust and paint splatters.

Get Quotes: If hiring contractors, aim for at least three quotes to ensure you’re getting the best value.

Home Warranties: Protect your budget from unforeseen appliance failures, consider investing in a home warranty.

 

Update Your Address

Avoid missed bills or lost packages by updating your address across all platforms:

USPS Mail Forwarding: Set this up online or at your local post office.

Financial Institutions: Banks, credit cards, and investment accounts.

Subscription Services: From streaming apps to meal kits.

With your administrative tasks out of the way, it’s time to step outside and begin the most rewarding part of the process: building a life in your new community.

 

Connect With Your Community

Once the boxes are mostly unpacked, take a walk around the block. Introduce yourself to your neighbors and explore local parks or shops. Feeling connected to your community is the final step in turning a house into a home.

 

Enjoy Your New Home!

Whether this is your forever home, or just a stepping stone, Southern Trust Mortgage is here to help you make the most out of your homebuying journey. If you have questions about your mortgage or future refinancing options, reach out to our team today!

Blog  | Archives for May 2026

Moving Checklist: 30-20-10 Days Out

Closing on a new home is a major milestone! While the transition can feel overwhelming, a proactive plan ensures your moving day is a celebration rather than a chore. But with the right plan in place you can make you move a smooth and easy experience. Follow this 30-day guide for a stress-free moving experience.

 

30 Days Out: Declutter and Strategize

With one month to go, your goal is to lighten the load. Moving items you no longer need costs time and money, so it’s better to start with a clean slate.

  • Go through closest, drawers, and the garage (if you have one). Categorize items into keep, donate, or sell.
  • When you visit your soon to be home measure your new floor plan to ensure your current furniture will fit the space.
  • If you aren’t planning a DIY move, book your moving company now. Professional movers fill their schedules weeks in advance, especially for weekend slots.

Pro Tip: Start gathering supplies early. Beyond tape and bubble wrap, check local community groups for free recycled boxes to save on moving costs.

 

20 Days Out: Deep Packing and Logistics

Now is the time to get serious about packing. Start with non-essentials like seasonal clothing, books, and home décor.

  • Label boxes by room and priority. Place heavier items at the bottom and fragile items on top.
  • If you’re embarking on a long-distance move, take your car in for a tune-up. The last thing you want is a breakdown on moving day.
  • Contact your service providers to schedule the transfer of electricity, gas, and water. Set these to activate on your closing date so you aren’t moving into a dark house.
  • Visit the USPS website to set up official mail forwarding and update your billing address for credit cards and subscriptions.

 

Beyond the Post Office: Who Else Needs Your New Address?

Forwarding your mail the USPS is a great first step, but it’s a temporary fix. Take an hour this week to update your address directly with these institutions:

Employer & Payroll: Ensure your next W-2 or paycheck goes to the right place

Insurance Providers: Your auto, health, and life insurance policies need your new location to ensure coverage remains valid.

Bank and Investment Accounts: While your credit cards are critical don’t forget retirements accounts or 401k providers.

The DMV: Most states require you to update your driver’s license address within 30 days of a move.

 

10 Days Out: The Final Countdown

You’re in the home stretch! Focus on the “live-in” essentials and preparing the home for its next occupants.

  • Pack a suitcase or clear bin with everything you’ll need for the first 24 hours: toiletries, chargers, basic tools, bed linens, and a few snacks.
  • As rooms empty out, wipe down baseboards and vacuum floors. It’s a courtesy to the new owners and ensures you don’t leave anything behind in a dark corner.
  • Empty the refrigerator of perishables and ensure all trash is scheduled for final pickup.

 

The Final 7 Days

As the countdown hits the one-week mark, the focus shifts from packing to logistics and living in the transition.

Confirm with the Pros: Call your moving company or truck rental one last time. Confirm the arrival window, the address of your new home, and any specific parking instructions for the truck.

The Essentials Grocery Run: Buy easy-to-eat, non-perishable snacks and paper plates for the first 48 hours. You won’t want to dig through boxes for a dinner plate or spend your first night grocery shopping.

Final Utility Check: Triple-check that your internet and cable are scheduled for installation. In a world of remote work, having wi-fi on day one is often just as important as having water!

Prepare Your Pets and Kids: Moving is a major disruption for the littlest members of your family. Pack a separate bag for them with familiar toys, favorite snacks, and any necessary medications to keep them comfortable during the chaos.

 

Moving Day

Perform one final walkthrough, lock the doors, and hand over the keys. Congratulations! You’re officially ready to start your next chapter.

 

The Closing Countdown: Red Flags to Avoid During Closing

While you are busy packing boxes, your mortgage lender is busy finalizing your loan. To make sure your loan stays on track for closing, avoid these four common pitfalls leading up to your move.

Don’t Make Large Purchases: It’s tempting to buy a new sofa or appliances on credit before the move. However, new debt changes your debt-to-income ratio, which could jeopardize your loan approval.

Don’t Open or Close Credit Accounts: Even if you’re just trying to consolidate debt, avoid opening new credit cards or closing old ones. These actions can cause sudden fluctuations in your credit score.

Don’t Change Jobs: Lenders look for stability. If you change careers or switch from a salaried position to a 1099/contract role during closing, it may require a brand-new manual underwriting process, delaying your move.

Don’t Make Large, Undocumented Deposits: If you receive a cash gift or move large sums of money between accounts, keep a paper trail. Lenders must source all funds used for your down payment and closing costs to comply with federal regulations.

 

At Southern Trust Mortgage, we’re here for more than just the loan, we’re here for the journey home. If you have questions about your upcoming closing or are ready to start your next application, reach out to our team today!

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