Meet The Pat Miller 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.
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.
The Pat Miller Team
Loan Officer Team
Problem-Solving Expertise
Pat is known for finding solutions where others see roadblocks. His ability to simplify complex mortgage and refinance scenarios allows him to help clients secure financing—even in challenging cases—making him a trusted resource in high-stakes situations.
Client-Centered Communication
Pat’s responsiveness and transparent communication style ensure clients always feel informed and confident. By treating every client like family, he builds trust and delivers a stress-free mortgage experience that consistently exceeds expectations.
The Pat Miller Team
Loan Officer Team
Problem-Solving Expertise
Pat is known for finding solutions where others see roadblocks. His ability to simplify complex mortgage and refinance scenarios allows him to help clients secure financing—even in challenging cases—making him a trusted resource in high-stakes situations.
Client-Centered Communication
Pat’s responsiveness and transparent communication style ensure clients always feel informed and confident. By treating every client like family, he builds trust and delivers a stress-free mortgage experience that consistently exceeds expectations.
We know our clients are all unique, and we pride ourselves on providing individualized service to help make their homeownership dreams come true. For our referral partners, we offer the peace of mind that your clients are in qualified hands, and we strive to provide a smooth, seamless experience from start to finish. We love seeing everyone still smiling at the closing table!
We look forward to working with you!
¿Prefieres hablar español? Nuestra solicitud está disponible en español — solo haz clic en “Español” en la esquina superior derecha para comenzar.
Team Members
See how our dedicated mortgage team helped clients achieve their homeownership goals.
Testimonials
See how our clients achieved their homeownership goals with us.
Cheryl is a Condo Specialist with 29 years of experience in the mortgage industry. Cheryl works alongside local Builders and HOA’s to obtain Fannie Mae, FHA, and VA Condominium Approvals. Cheryl’s expertise includes FHA DELRAP authority.
Southern Trust Mortgage also features a non-warrantable condominium program, which allows condotel financing, in addition to projects that do not meet conventional condominium requirements. Contact Wes for more information about this program!
Mike has 32 years of experience in credit reporting, credit rescoring, and training. He works daily with Southern Trust Loan Officers to help guide their borrowers in the improvement of their credit reports to ensure qualification, best interest rate, and best possible mortgage insurance rate.
Testimonials
Hear From Our Clients
See how our clients achieved their homeownership goals with us.
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muleskinnerIII
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Kyle Arestivo
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Michael John
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Vicki Roach
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Lisa Hagan
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Ryan Gero
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Mariellen Gero
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Lauren Black
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Thomas Black
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Kim Thyen
Pat Miller and the team worked diligently to provide us with our dream home. They worked in an excellent manner providing updates during the sale and purchase of our home. We especially appreciate the ineffable integrity displayed throughout the entire process. They will always be appreciated!
Pat and his team at Southern Trust helped my wife and I purchase our Virginia Beach home while we were living out of state. Pat, Adam, Sarah and Spechel were friendly, reliable and trustworthy - which helped us feel comfortable transacting from so far away. Pat's guidance on rates and the pros and cons of different types of loans (in this crazy market) was extremely helpful. And the online systems for document submission made everything easy. Five stars, highly recommend, and we'll use them again if we buy again!
Pat, Sarah and their team were incredible! We had to switch lenders in the middle of our sale and Pat and Sarah worked miracles to stay on the tight closing timeline. They communicate quickly and are wonderful people. This was our 4th home using Pat and his team and highly recommend.
Loan Officer Team
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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.