Meet Our Loan Officer Patrick Avery
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.
Local Lending Experience
Patrick Avery brings over a decade of mortgage experience, guiding Virginia and North Carolina homebuyers through financing options with clear advice, practical insight, and steady support.
Hands-On Loan Support
With deep local roots and broad loan knowledge, Patrick helps first-time buyers and investors find suitable mortgage solutions while keeping the process clear, organized, and approachable.
About Patrick
Get To Know Me
Practical. Client-Focused. Reliable.
Client Advocacy & Problem Solving
Patrick values family above all, spending his time outside work with his wife and children while staying deeply connected to his local community. This grounding presence shapes how he works with clients, approaching each conversation with patience, care, and genuine attention to long-term outcomes rather than short-term transactions and lasting financial decisions.
Every mortgage faces unique challenges, but Patrick Avery works tirelessly as your personal advocate throughout the entire mortgage process. Patrick Avery 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 Patrick Avery.
Your Trusted Local Lender
Patrick specializes in conventional, FHA, VA, and USDA loan programs, helping buyers, refinancers, and investors identify financing that fits their goals. His background in finance and real estate allows him to analyze details carefully, explain options clearly, and guide clients through changing market conditions with steady, practical direction from application through closing.
Patrick Avery is a local lender in your community, which has real advantage in the North Carolina, Virginia market. At Southern Trust, Patrick Avery 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. Patrick Avery’s local expertise helps clients make smarter financial decisions when buying their home.
Strong Guidance and Experience
Patrick’s legacy is built on long-term relationships, repeat clients, and consistent referrals earned through clear guidance and follow-through. He aims to be a reliable resource well beyond closing, supporting homeowners as needs evolve. Over time, his work reflects professionalism, education, and steady commitment to helping families move forward with clarity and purpose.
Patrick Avery 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 Patrick Avery 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
See how our clients achieved their homeownership goals with us.
We've based our home loan process on empathy for our home buyers and their agents.
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Discover loan options tailored to your needs and start your journey with confidence.
When buying a home, there are many documents you'll need to provide to your Loan officer.
What Makes Us Stand Out
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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Nancy Kelleher
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Melinda Hoag
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Sandra Kight
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Wayne Kight
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Travis Saunders
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Michael Henry
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Paul Thurston
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Hannah Murphy
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Grant Ralls
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Sue Sanders
Producing Branch Manager
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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.