Meet Our Mortgage Loan officer Steve Hawley
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.
Clear & Honest Communication
Steve’s straightforward, transparent communication style sets him apart. He explains each step of the mortgage process in a way that’s easy to understand, helping clients feel informed, confident, and in control from start to finish.
Personalized Mortgage Solutions
With a strong grasp of diverse loan programs, Steve excels at tailoring solutions to fit individual goals. He listens closely to clients’ needs and crafts financing strategies that align with their short- and long-term financial plans.
About STEVE
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Genuine. Responsive. Knowledgeable.
Tech Driven Mortgage Solutions
Steve’s dedication to his own family fuels his deep understanding of what “home” truly means. He values strong personal connections and brings that same spirit to his clients—treating each family’s journey with care, respect, and heartfelt commitment, just as he would his own. This family-centered approach inspires trust and sets the tone for lasting client relationships.
Steve Hawley combines the efficiency of cutting-edge mortgage technology with the expertise of personalized service. As a Southern Trust Mortgage lender, he offers a digital application process, allowing clients to securely upload documents, track loan status in real-time, and sign disclosures from anywhere. This tech-driven approach drastically reduces paperwork and speeds up approval times. Steve Hawley believes technology should enhance, not replace, human connection, ensuring you always have a dedicated professional available for guidance, support and questions.
Flexible Options
Over his career, Steve has built a professional legacy grounded in trust and authenticity. Known for going above and beyond, he consistently delivers on promises with integrity and heart. His clients appreciate not only the results he achieves, but the way he makes them feel—heard, respected, and truly supported through every step of their mortgage journey.
Your life doesn’t fit in a one-size-fits all mold, and your mortgage shouldn’t either. Steve Hawley specializes in providing financial flexibility, offering solutions for low down payments, down payment assistance programs, and various ways to structure your loan to best support your buying goals. He will explore all available Southern Trust products, from specialized first-time buyer options to renovation loans, a custom-fit perfect mortgage solution just for you! Steve Hawley’s mission is to unlock homeownership by offering flexible terms that align with your current and future goals.
Empowerment Through Education
Steve has extensive knowledge of a variety of loan programs, including VA, FHA, USDA, and renovation loans. He’s particularly adept at guiding eligible clients through the ins and outs of grant programs for military, first-time buyers, and community heroes—ensuring they access the full range of financial support available to them with clarity and confidence.
The mortgage process shouldn’t be confusing, and with Steve Hawley, it isn’t. He is a passionate educator committed to breaking down the entire lending journey in an easy to understand way. Steve Hawley takes the time to thoroughly explain the differences between APR and interest rate, the ability to secure downpayment assistance or grant programs, and the benefit of choosing a specific loan product. His goal is to ensure every Southern Trust client is confident and empowered to make the best financial decision for their family. Never hesitate to ask a question, because Steve Hawley is here to make you a well-informed borrower.
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.
Estimate your monthly payment and apply with confidence!
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 Mortgage 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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William Leisure
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Marc Ramsey
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Lindsey Pflugner
Mortgage Loan officer
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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.