Meet The Ben Lacey Team

Whether you're a first-time homebuyer or looking to refinance, our team of experienced professionals is here to guide you through every step of the process.

Ben Lacey Team

Loan Officer Team

Licensed in: VA, NC, FL

Client-Focused Service

Prioritizing the needs of each client, The Ben Lacey Team offers personalized service and clear communication throughout the entire mortgage process. Clients value their attentiveness and availability, ensuring a smooth experience with full confidence and support. The focus is on building long-term relationships, leading to repeat business and strong referrals.

Expertise & Thoroughness

The Ben Lacey Team brings a wealth of expertise in VA, NC, and FL mortgage markets, ensuring clients receive the best loan options and rates. With a thorough, detail-oriented approach, they simplify complex processes and offer tailored solutions, making the home-financing experience smooth, stress-free, and successful.

Ben Lacey Team

Loan Officer Team

Licensed in: VA, NC, FL

Client-Focused Service

Prioritizing the needs of each client, The Ben Lacey Team offers personalized service and clear communication throughout the entire mortgage process. Clients value their attentiveness and availability, ensuring a smooth experience with full confidence and support. The focus is on building long-term relationships, leading to repeat business and strong referrals.

Expertise & Thoroughness

The Ben Lacey Team brings a wealth of expertise in VA, NC, and FL mortgage markets, ensuring clients receive the best loan options and rates. With a thorough, detail-oriented approach, they simplify complex processes and offer tailored solutions, making the home-financing experience smooth, stress-free, and successful.

About Team

Building Your Future, One Home at a Time

“I love applying for mortgage financing,” said no person ever, but the process doesn’t have to be stressful. At the Ben Lacey Team, we’re here to make your experience smooth and stress-free.

With expertise in VA, FHA, USDA, and JUMBO loans, we’ll find the right option for your needs. Let us handle the details so you can focus on what matters most.

Whether you’re buying, refinancing, or exploring your options, we’re here to help. Licensed in VA, MD, NC & FL. Check out our reviews on Google and Facebook!

Team Members

Meet the Team

See how our dedicated mortgage team helped clients achieve their homeownership goals.

Benjamin Lacey, Mortgage Loan Officer.
Benjamin Lacey
Loan Officer
NMLS #2005162
John Bernhardt, Mortgage Loan Officer.
John Bernhardt
Loan Officer
NMLS #2590402
Users Profile
Daytona Lamade
Loan Officer
NMLS# 2724879

Testimonials

Hear From Our Clients

See how our clients achieved their homeownership goals with us.

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Southern Trust was amazing to work with and made the process so easy!

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Paige Grindstaff

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Hi, Its amazing to work with you.

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Arpit Saxena

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Had a great experience

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Gaurav Shrivastava

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great experience, Chris Daly is the best loan officer ever!!

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sally holt

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My husband and I would like to thank Mr. Wes Flowers and team for their dedication and persistence in helping us secure a loan. From the beginning they took the time to truly understand our situation and worked tirelessly to find a solution that would make our property purchase possible. Their hard work made something that once seemed impossible become a reality.

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waperry1515

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STM has helped us refinance our home twice now. The process was streamlined and stress free each time. Would recommend them for anyone looking for a local lending expert.

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Evan Pereira

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Very quick turnaround to close.

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Danny Evix

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Friendly, Professional, handled all forms quickly and answered questions exactly.

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Dan Maerzke

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Jake and his team were professional and very timely. We appreciate all of their hard work in helping us secure our new home! We will be sure to recommend in the future to friends and family. Thanks!

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Drew Jones

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It’s always a pleasure working with Southern Trust Mortgage, LLC! Thanks to Mark for a smooth transaction!!

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Susan Davis

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Honest & Always Available

Ben is a 10/10! While buying a home alone is extremely stressful, he was ALWAYS available for any questions I may have and always explained it so I could understand. He was always honest and straightforward about everything. He always kept me in the loop and worked diligently for over a year with me while I worked to sell my previous home to buy my new home. I will most definitely recommend to all friends and family who are in the market for a loan officer!

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Victoria Scott
First Time Homebuyer
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Dependable & Grant-Savvy Loan Officer

I recently closed a client of ours, that worked with this lender! Recommend him 10 out of 10!!! 1.) He showed up to closing, which is not common after COVID, and 2.) He was informative, and helpful. He discussed many things with his clients, whom he was able to get TWO grants for!!! He explained the process for the grants (something I usually have to do), and he discussed the recapture rate with this his clients (which most honestly don't know how to explain or discuss - including myself). Overall, one of the best LO I have sat at the table with! Would recommend him 10 out of 10!! Great Job Benjamin!!!

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Jessica Scott
Local Guide
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Knowledgeable & Supportive

As a first time homebuyer, I was nervous about the process, but working with Benjamin changed the game! He was incredibly helpful and supportive every step of the way. He is truly an expert at what he does--he has a wealth of knowledge on loan products and available programs, he will make sure you get the best possible results for your specific situation! He coached me through difficult decisions, his calm demeanor and expertise kept me grounded, and I always felt like I was in good hands. I'm so grateful for everything he did to help me secure my home! HIGHLY recommend!!

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Caitlin Hermann
First-time Homebuyer
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The Ben Lacey Team

Loan Officer Team

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Resources

Essential Homebuyer Resources

See how our clients achieved their homeownership goals with us.

The Mortgage Process

We've based our home loan process on empathy for our home buyers and their agents.

Mortgage Pay Calculator

Estimate your monthly payment and apply with confidence!

Find The Right Loan

Discover loan options tailored to your needs and start your journey with confidence.

Home Loan Checklist

When buying a home, there are many documents you'll need to provide to your loan officer.

Ready to Buy a Home or Refinance?

From Dreams to Keys

Whether you're a first-time homebuyer or looking to refinance, our team of experienced professionals is here to guide you through every step of the process.