First home buyer! VA loan! VHDA! I heard about Southern Mortgage Trust from my realtor (Henry Cobb). At the time I had two to three other Lenders I had my eye on. Brad Shoemaker, my loan officer was very professional and knowledgeable. He answered all my questions and recommended me to apply for VHDA, which really helped me out. Even took time to meet me and explain things in person on a Sunday. My home process took about 6 months. I waited for a new construction home in an area I really like. Brad was very patient and professional through out the whole process. I want to thank Brad and Jim Martin for getting me a awesome deal and for making my home buying process go real smooth. Thank you you guys so much!