Meet the Team

Pat Miller
Sr. Loan Officer | Area Sales Manager
NMLS #698968

Steve Hawley Headshot
Steve Hawley
Loan Officer
NMLS #1813927

Chelsea Hietpas Headshot
Chelsea Hietpas
Loan Officer
NMLS #2019739

Kelly Goffigan
Loan Officer
NMLS #2528021

Sarah Blumling Headshot
Sarah Blumling
Loan Officer / Sr. Production Coordinator
NMLS# 775740

Christina Drewry Headshot
Christina Drewry
Marketing Assistant

In-House Specialists

Karen Ramirez Headshot

Karen Ramirez

Head of Hispanic Division

Karen makes inclusivity her mission, spearheading the development of our Hispanic Division and website English-Spanish translations. She has the expertise and knowledge needed to explore the many financing options available and can do it in her native language – Spanish.

Mike McNamara Headshot

Mike McNamara

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.

We know our clients are all unique, and we pride ourselves on providing individualized service to help make their homeownership dreams come true. We offer the comfort of knowing your clients are in well-qualified hands for referral partners, and we aim to provide a smooth and seamless experience. We enjoy seeing everyone still smiling at the closing table!

Whether you’re a first-time buyer, purchasing your fourth home, eligible for a VA loan, looking to buy an investment property or second home, or considering refinancing your current mortgage, we have a loan program that will best serve you. At Southern Trust Mortgage, we have the experience, knowledge, and tools to ensure our clients receive the best pricing and loan program for their needs.

We offer a wide array of home loan programs, including first-time homebuyers, VA, jumbo loans, USDA, FHA, new construction, and conventional loans.

At Southern Trust Mortgage, we guide our clients every step of the way. We pride overserves on ensuring your experience is smooth, and every detail is attended to, allowing you to close on time.

We treat our clients like our friends, neighbors, and family because often they are.

We look forward to working with you!

Contact our team

Let's Get In Touch

Send a message below or give us a call at 757-390-6314.

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The Pat Miller Team

Loan Officer Team


295 Bendix Road, Suite 400
Virginia Beach, VA 23452



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