Trusted Mortgage Experts
Helping 65,000+ Families Make Home Happen
Buying your home is an exciting journey. With expert guidance at every step, you’ll feel confident and empowered as you secure the perfect mortgage, making your dream home a reality with ease and peace of mind.
Personalized mortgage options, designed for your unique home-buying needs
Over 20 years of experience in home financing, offering tailored solutions
Fast and easy application process, saving you time and stress
WHO WE ARE
The Mortgage Lender for Your Unique Needs
We make home loans simple with a smooth, efficient process from application to approval. Offering personalized guidance and a competitive edge, we help clients secure their dream homes quickly and confidently.
Fast, transparent, and hassle-free process.
Personalized guidance at every step.
Multiple loan options for flexibility
Get priority approval in just one day
Achieve Homeownership with Confidence
WHY CHOOSE US
Confident Homeownership Starts Here
Secure a home loan with personalized guidance and flexible financing options designed for your unique needs. Experience a clear, straightforward process that helps you confidently step into homeownership.
Flexible and Tailored Mortgage Options
Priority Approvals in One Day
Simplified Home Financing Solutions
Dedicated Loan Officers
Proven Track Record of Success
WHEN TO REACH OUT
Is Now the Right Time to Buy a Home?
Assess your financial readiness, understand the local market, and receive personalized insights to confidently navigate your homeownership journey, supporting a seamless and informed decision-making process.
Take Advantage of Low-Interest Rates
Secure Your Dream Home Today
Assess Your Financial Readiness
Plan for Long-Term Stability
Get Expert Market Insights
PROVEN SUCCESS
Your Trusted Mortgage Expert
Achieve your Great American Dream with a trusted mortgage lender who has helped thousands secure the perfect home with personalized financing solutions. Let’s make homeownership a reality for you!
Families Served
Funded Loans
Years of Experience
States Covered
What we offer
Find the Right Loan for Your Dream Home
Explore loan options that align with your homeownership goals. Discover flexible solutions tailored to your needs and expectations. We're here to help make your dream home a reality.
Conventional Loans
Flexible terms and competitive rates for borrowers with good credit, offering a wide range of financing options.
FHA Loans
Affordable home financing options with low down payments, designed for first-time buyers and individuals with less-than-perfect credit scores.
VA Loans
Zero down payment and favorable terms for eligible veterans and military families, helping them achieve homeownership.
USDA Loans
Affordable financing with little to no down payment required for rural homebuyers, promoting community growth.
Jumbo Loans
Financing for high-value homes that exceed conventional loan limits, tailored for buyers seeking luxury properties.
PROFESSIONAL GUIDANCE
Meet Your Trusted Loan Specialists
Expert loan officers provide personalized service and advice, guiding you through the home financing process tailored to your needs. Your goals come first, and support is available from start to finish.
Fast and Accurate Financial Guidance
Smooth and Stress-Free Process
Experts in Multiple Loan Programs
Helping You Achieve Your Goals
Licensed in MD, VA, NC & SC
80+
Loan Officers
How it works
A Step-by-Step Guide to Home Ownership
Buying a home is a significant decision, and we’re here to simplify the process. Follow these four easy steps to explore your options, make informed choices, and unlock your dream home.
Start Your Application
Meet your Loan Officer, complete the application, undergo a credit check, and receive Priority Approval to begin your journey.
Shop for Your Home
Work with a trusted real estate agent to explore property listings, submit offers, negotiate terms, and lock in your interest rate.
Loan Review & Approval
Your documents are verified, an appraisal is conducted, and underwriting is completed to confirm eligibility and finalize approval.
Homeownership
Sign your final loan documents, review payment details, complete closing, and receive the keys to your new home, stress-free.
what makes us stand out
The Mortgage Lender with a Distinct Edge
Your journey to homeownership starts with us. Our dedicated team offers personalized guidance and tailored solutions for first-time home buyers, ensuring a smooth and stress-free experience. Let us support you every step of the way to make your dream a reality.
Educational Resource Access
Fast & Simple Pre-Approval
Low Down Payment Options
Step-by-Step Guidance
First-Time Buyer Programs
TESTIMONIALS
Hear From Our Clients
Whether you’re refinancing, buying a home, or securing a mortgage. With expert guidance and personalized support, the home financing process is made simple, stress-free, and tailored to you.
65,000+ Happy Families
Proven Success | Trusted Reviews | Real Stories
Your Dream, Our Loans
It was a pleasure!
I had the opportunity to work my first deal with Sonja Milsom while representing a home buyer. Sonja and I had to work hard to get the client to commit to Southern Trust, but Sonja was resilient, and moved forward with confidence knowing that her service and product would prove the best fit for my […]
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Kristen Arnold
Absolutely fantastic!
She was absolutely fantastic! She guided us through the entire process, patiently answering all our questions. She was super responsive when we reached out, and it felt like she was rooting for us the whole time. As first-time homebuyers, she made the process as stress-free and understandable as possible.
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Sam Mott
Very helpful during buying process
Jason was very helpful during my home buying process. Not only did he help me by providing a loan at a good competitive rate, but he helped me with every step along the way. Jason helped figure out an appropriate budget for buying a home and provided a lot of advice that I was in […]
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F
Fall 99
Southern Trust is a total professional
Libby at Southern Trust is a total professional. She understands the buyer’s needs, the market realities and the opportunities provided by various lenders. She is accessible and informative and works well with the leading realtors in the area. A+!
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Tom Carr
Thanks Charlie & Karen Hall.
My Wife and I started out in March seriously considering buying a new home, Courtland came to our rescue. We proceeded with a heavy load on Courtland’s shoulders, he made us feel at ease with walking us through the entire process from beginning to the end. Today was our closing, if it wasn’t for the […]
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Charlie Hall
Driven by Support: The Southern Trust Mortgage Standard
The support I receive from Southern Trust has been a cornerstone of my success as a Loan Officer. The strong leadership is unmatched, along with an operations staff that delivers exceptional service resulting in smooth and timely closings. Together, their commitment to excellence allows me to focus on building relationships with clients and growing my […]
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Tate Felts
Reach Out
Leave Us a Message
We prioritize your needs and expectations. Feel free to leave any questions about loans, mortgages, interest rates, or anything else— we're here to help!
Drop Your Message
Ask Us
Your Mortgage Questions, Answered
Get the answers you need to make informed decisions. We’re here to guide you through every step of your home financing journey!
01 What loan options are available to me?
There are various loan programs, including conventional, FHA, VA, and jumbo loans. Find your option based on your credit, down payment, and homeownership goals. A mortgage expert can guide you to the best fit.
02 How much do I need for a down payment?
Down payment requirements vary based on the loan type. Some programs allow as little as 3% down, while VA and USDA loans offer zero-down options for eligible buyers. Check your options for flexible solutions.
03 How long does the mortgage approval process take?
Timelines vary, but pre-approvals can take just a day, while full approval may take 30-45 days. Staying prepared with financial documents and quick responses can help speed up the process. Get pre-approved now to move faster.
04 What credit score do I need to qualify?
Different loans have different credit score requirements, but many programs accept scores as low as 580. A higher score can unlock better rates and terms, but options exist for a range of credit profiles. See your score to explore your eligibility.
05 What are the closing costs, and who pays them?
Closing costs typically range from 2-5% of the home’s price and include lender fees, title insurance, and taxes. Some costs can be negotiated, covered by sellers, or rolled into the loan. Get a quote to understand your costs.
06 Can I refinance my mortgage?
Yes, refinancing is an option to lower your interest rate or change your loan terms. Explore your options to see if refinancing makes sense for your situation.
Get started
Take the First Step Towards Your New Home
From the beginning, we've been committed to creating a home loan experience that we'd want to receive ourselves. Allow us to help you take the initial step towards your future home.
Whether you're buying your first home or refinancing, Southern Trust Mortgage is here to guide you. With expert support and seamless loan solutions, we make homeownership simple and stress-free.
General Contact
295 Bendix Road, Suite 400
Virginia Beach, Virginia 23452
Quick Access
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Your Dream Home, Powered by Our Mortgages
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