Finance the cost of fixing up your home into your mortgage with a Renovation Loan.

Southern Trust offers several renovation loans designed to cover the property along with minor or major repairs. Each has their own distinct advantages. Make sure to speak with a Southern Trust Loan Officer in your area to see all of your options.

Types of Renovation Loans

FHA 203K Standard and Limited

Standard: For homes in need of repairs more than $5,000.
Limited: For homes in need of repairs totaling up to $35,000.

Fannie Mae HomeStyle

A conventional renovation mortgage option with competitive interest rates.

Simple Repair Escrow

Renovation costs must not exceed the greater of 15% of the "as completed" value or $50,000 of the "as completed" value.

VA Renovation Loan

VA Renovation Loans allow Veterans to include minor renovation costs in the loan amount of a house for purchase, or for repairs being done to an existing home with equity.

USDA Renovation

Great for borrowers in rural areas, up to 100% financing, combining home purchase and renovations into a single loan.

Jumbo Renovation

Interest only payments during 12 month construction term and can continue up to 10 years

Why trust Southern Trust with your home financing?

Founded in 1998, Southern Trust Mortgage is a full-service mortgage lender. We offer diverse mortgage products designed to meet any home financing need. Our continued success is a result of the outstanding customer service we offer our clients and business partners. All of our loans are expedited through local processing, underwriting, and closing agents. Our industry-leading service truly sets Southern Trust Mortgage apart.