Meet Our Mortgage Loan officer Matthew Bittner

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.

Matthew Bittner

Mortgage Loan officer

(17 Reviews)

NMLS #1999898

Licensed in: NC, VA

Personalized Client Experience

Matthew goes above and beyond to ensure every client feels valued. By customizing his approach to each individual’s specific needs, Matt creates a smooth and tailored home financing experience. This personalized service fosters trust and lasting relationships with his clients.

Clear Communication

Known for his transparent and timely communication, Matt ensures that clients fully understand each step of the mortgage process. He simplifies complex concepts and is always available to address questions or concerns, providing peace of mind throughout the transaction.

About Matthew

Get To Know Me

Honest. Responsive. Knowledgeable

Client Advocacy & Problem Solving

As a dedicated family man, Matthew understands the emotional significance of homeownership. He brings the same care, responsibility, and commitment from his personal life into his professional role. His family-first mindset allows him to connect deeply with clients who are building a future for their loved ones. By treating each transaction as a life milestone, Matthew helps families create stable foundations and memories that last a lifetime.

Every mortgage faces unique challenges, but Matthew Bittner works tirelessly as your personal advocate throughout the entire mortgage process. Matthew Bittner views his clients as friends, advocating on your behalf to ensure the process is seamless, documents and commitments are met, appraisal are reviewed, and loan conditions are cleared efficiently. When you need a lender who is on your side every step of the way, you need Matthew Bittner.

Your Trusted (MARKET) Lender

Matthew has built a professional legacy rooted in honesty, transparency, and long-term client success. Known for always doing what’s right—even when it’s not the easiest path—he has earned the respect and trust of clients and colleagues alike. His consistent dedication to exceptional service and clear communication has resulted in a high rate of repeat clients

Matthew Bittner is a local lender in your community, which has real advantage in the North Carolina, Virginia market. At Southern Trust, Matthew Bittner can provide you with more than rates, you can gain valuable insights into local property taxes, locality specific programs, and connections with trusted local professionals. This specialized community focus ensures that everyone involved in your homebuying process is not only your team but also your neighbor and friend. Matthew Bittner’s local expertise helps clients make smarter financial decisions when buying their home.

Strong Guidance and Experience

Matthew specializes in guiding first-time homebuyers through the mortgage process, but his expertise spans a wide range of loan programs including FHA, VA, and Conventional options. He simplifies complex financing, ensuring clients feel empowered and informed throughout their journey. His deep knowledge, combined with a calm, patient approach, helps clients confidently navigate one of life’s most significant financial decisions—making Matthew an invaluable resource for both new and seasoned buyers.

Matthew Bittner is more than just a loan officer, he is a dedicated financial partner to making your homeownership goals a reality, he is passionate about empowering first-time homebuyers in the community, offering guidance every step of the way. From pre-approval to closing, buyers who have worked with Matthew Bittner have confidently navigated the process and felt prepared for homeownership. His commitment extends beyond the closing table, offering regular mortgage check-ups and refinancing advice to help clients build long-term wealth through home equity.

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

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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 Mortgage Loan officer.

What Makes Us Stand Out

Proven Lending Results Backed by Experience

With decades of experience and thousands of loans closed, we deliver proven results through competitive rates, streamlined processing, and expert guidance tailored to every homeowner’s needs.

Testimonials

Hear From Our Clients

See how our clients achieved their homeownership goals with us.

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Working with Matt was an amazing experience from start to finish. Buying a home can be incredibly stressful, and I was definitely high-strung And emotional throughout the process. He was patient, reassuring, and always knew exactly how to keep me calm and confident every step of the way. He made what could’ve been an overwhelming process, feel effortless. He was always available to answer my questions, explained everything clearly, And made sure I felt informed and supported throughout the entire loan process. I truly couldn’t have asked for a better experience. His professionalism, kindness, and dedication made all the difference. I would highly recommend him to anyone looking for a knowledgeable, trustworthy, and caring loan officer. Thank you, Matt for making this journey such a positive one!

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Karen Hanley

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I live in NC and was able to work with Matt on my home loan. Matt went above and beyond to get my mortgage closed and I am forever grateful for all of his hard work!!

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Allison S.

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Matt was an excellent help and was able explain things in a way that made sense. He was amazing patient with all my questions as a first time buyer.

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Nadia ONeal

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Matt was extremely knowledgeable and able to share that knowledge in ways I could easily follow. He listened to my goals and parameters and lined up the perfect mortgage for me. I would definitely call Matt Bittner again if I purchase another home.

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Carol Lundquist

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I had a great experience working with Mathew over the past 6–7 months during my home-buying process. He was knowledgeable, responsive, and guided me every step of the way. What I appreciated most was how personable he was—it never felt like just a transaction. He genuinely cared about helping me through the process and making sure I understood everything. I would highly recommend Mathew to anyone looking for a reliable and professional lender, and I look forward to working with him again in the future.

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ASHIA SMITH

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Phenomenal experience from start to finish! Matt Bittner has demonstrated his professionalism, industry knowledge, and attention to detail on every transaction we’ve partnered on. Matt has handled my personal mortgage and mortgages for my real estate clients. As a real estate brokerage owner, I know the importance of making the client experience as smooth as possible — a real estate purchase is usually a person’s largest investment in their lifetime. Matt Bittner and his team at Southern Trust provide white-glove service every time. They have a variety of loan products to fit almost every buyer’s needs. Highly recommended — Thanks, Matt! 💪🇺🇸

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Jeff Lurie

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I had the best help ever Matt was Awesome help so much..The whole team was very helpful. Help me get my new home!!!! Thank you so much!!!

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KISHI VINSON

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Matt was great Lender to work with. He was able to help my wife and I qualify for a VA loan for a beautiful home in the Virginia Beach area. He guided us, answered all our questions, and always reminded us of what needed to be completed. Matt was great and if you’re looking for a lender, give Matt a chance and I promise you he will take care of you!

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The Maker

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Matt was great to work with. He always responded to my calls and questions. I would definitely recommend him to anyone looking for a mortgage lender.

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susan caruana

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As first-time homebuyers, we were completely new to the loan process and had a lot of questions. From the very beginning, Matt was incredibly helpful, always ready to answer our calls or respond to our texts with clear, thoughtful, and patient explanations. Along the way, he was able to change the loan based on financials. He did an incredible job. Thanks to his support and professionalism, we closed very timely on our new home. We’re truly grateful for his help and would highly recommend him to anyone looking for a knowledgeable and genuinely caring loan officer.

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Gabriela Carvajal

Matthew Bittner

NMLS #1999898

Mortgage Loan officer

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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.