Think you need 20% down on a jumbo loan? THINK AGAIN!

Adjustable Rate Mortgage (ARM) home loans with as little as 5% down and no mortgage insurance are now available! Contact a Southern Trust Mortgage Loan Officer in your area to learn more about our 5% down ARM loan with NO Mortgage Insurance.

Key Features of 5/5 ARM Loans

Mortgage Loan Product Highlight Icon

No Mortgage Insurance Required

Usually a mortgage with less than 20% down payment requires private mortgage insurance. With this product, there is no private mortgage insurance even with a down payment as low as 5%. This helps you save monthly by keeping your mortgage payment lower.

Mortgage Loan Product Highlight Icon

Adjustments Happen Every 5 Years

The 5/5 adjustable rate mortgage (ARM) is a special offering from Southern Trust Mortgage. The initial interest rate is constant for 5 years with adjustments every 5 years after.

Mortgage Loan Product Highlight Icon

No Need for a Second Mortgage

Often with a Jumbo mortgage product, borrowers will obtain two mortgages to avoid private mortgage insurance if they are not putting down 20% (first mortgage at 80% of sales price and a second mortgage up to 15%). With this special offering, your down payment may be as low as 5% and you have only one mortgage.

Benefits of our 5/5 ARM Loan

  • Interest rate and payment can change after 5 years and every 60 months thereafter.
  • Maximum increase in rate at first change is 2%
  • Loan Amounts from $300,000 to $729,750
  • Up to 3% Seller Help
  • No Minimum Cash Reserves
  • Single Family, PUD, Condo and 2-4 Units
  • Max 10 Acres
  • Purchase and Rate/Term Refinance

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.

Southern Trust Mortgage Highlight Icon

In business since 1998

Southern Trust Mortgage Highlight Icon

Very competitive interest rates

Southern Trust Mortgage Highlight Icon

Over 65,000 loans closed

Southern Trust Mortgage Highlight Icon

In-house underwriting, processing and funding

Southern Trust Mortgage Highlight Icon

Licensed and experienced mortgage loan officers.

Southern Trust Mortgage Highlight Icon

Focused on developing relationships and trust.