Chelsea Winstead Team
Loan Officer Team
Licensed in: NC, VA, FL, TN, SC, GA, MD
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Your Home, Our Commitment
In a changing market, having expert guidance is essential.
The Chelsea Winstead Team at Southern Trust Mortgage offers tailored loan options,
including VA, FHA, USDA, Conventional, and JUMBO loans, plus grants for first-time
buyers, military, first responders, and teachers.
After you apply, we’ll discuss your options, or you can schedule an appointment online.
Have questions? Contact us for personalized advice.
We look forward to working with you!
Check out our TikTok for daily market updates 
Meet the Team
Chelsea Winstead
Loan Officer
NMLS #2674299
P: 910-228-4539
Ashley Knapp
Loan Officer
NMLS #646087
P: 757-739-2600
In-House Specialists
Cheryl Young
VP – Project Approval Manager (Condos & PUDs)
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 us for more information about this program!
VP – Credit Mortgage Expert
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.
Essential Homebuyer Resources
Let's Get In Touch
Send a message below or give us a call at 910-228-4539.
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Chelsea Winstead Team
Loan Officer Team
Address
1630 Military Cutoff Road, Unit 104
Wilmington, NC 28403
Phone
