Cheryl is a Condo Specialist with 29 years of experience in the mortgage industry. Cheryl works alongside local Builders and HOA’s to obtain Fannie Mae, FHA, and VA Condominium Approvals. Cheryl’s expertise includes FHA DELRAP authority.
Southern Trust Mortgage also features a non-warrantable condominium program, which allows condotel financing, in addition to projects that do not meet conventional condominium requirements. Contact Wes for more information about this program!
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.
Welcome to the Wes Flowers Mortgage Team at Southern Trust Mortgage.
We know our clients are all unique, and we pride ourselves in providing individualized service to help make their homeownership dreams come true. For referral partners, we offer the comfort of knowing your clients are in well-qualified hands 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. We are licensed in 10+ states on the East Coast, including Virginia, North Carolina, DC, Florida, Maryland, Delaware, Georgia, Ohio, Pennsylvania, South Carolina, Tennessee, West Virginia, New Jersey, and Alabama.
At Southern Trust Mortgage we are with 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.