Trusted Mortgage Experts
With trusted guidance at every step, you work with experienced loan professionals who explain rates, terms, and requirements clearly, helping you choose a mortgage that fits your home purchase and budget.
Over 25
Years of experience
Trusted guidance, open communication, and tailored insights help you understand each step of the mortgage process and make informed decisions based on your financial goals.
who we are
We make home loans simple with a smooth, efficient process from application to closing. Offering personalized guidance and a competitive edge, we help clients secure their dream homes quickly and confidently.
Quick Approval Process
Get Priority Approval in under 24 hours, empowering you to make stronger offers, close faster, and enjoy a smooth, efficient homebuying journey from start to finish.
Personalized Guidance
We provide custom mortgage solutions for first-time homebuyer and experienced owners alike, ensuring clear communication and personalized guidance every step of the way.
Variety of Loan Options
No matter your income or homeownership goals, our variety of loan programs provides you with the perfect financing option tailored to your needs, helping you achieve your dream of homeownership.
Buy, Refinance, and Beyond
Expert guidance is provided throughout every step of the process, from application to closing. Each stage is carefully designed to meet your unique needs and goals, ensuring a smooth and seamless journey towards homeownership.
Why Choose Us
Secure a home loan with trusted guidance and financing options based on your financial profile. You work directly with loan professionals who explain requirements, timelines, and costs so you can make informed homebuying decisions.
98% Clients Satisfaction
You’ll receive expert guidance, seamless service, and customized support at every step of your journey.
What We Offer
Access a range of home loan programs designed for different financial situations, supported by experienced loan professionals and a structured approval process.
Conventional
Conventional loans are perfect for borrowers with established credit, offering lower interest rates and APR than other fixed-rate loans. They often require less documentation than FHA or VA loans, speeding up the processing time.
FHA
Popular among first-time buyers, FHA loans are backed by the Federal Housing Authority, offering lower down payments and flexible qualifications. They are ideal for those with limited cash for down payments or closing costs.
VA
VA Loans help veterans, eligible military members, and surviving spouses finance homes. Backed by the government and issued by qualified lenders, VA Loans offer flexible standards, often requiring no down payment or mortgage insurance. Our expertise in VA Loans ensures exceptional service for our military members.
Grant Programs and Down Payment Assistance
First-time homebuyers and eligible borrower can take advantage of tailored mortgage solutions, lower down payments, and personalized guidance to make the dream of homeownership a reality.
Niche Programs
Offering specialized mortgage solutions through niche programs designed to meet the unique needs of borrowers for a seamless experience.
Benefits of a Buydown
Make homeownership more affordable with a seller-funded buydown program that lowers monthly payments for the first 36 months. Start saving and enjoy reduced payments from day one!
What Makes Us Stand Out
You work with a team that offers multiple loan types, structured support, and consistent communication throughout the process, helping you move forward with informed decisions at every stage.
Tailored Mortgage Solutions
Personalized loan options with flexible terms support purchases, refinances, and specialty loans, helping you align financing decisions with your financial goals, property plans, timelines, and long-term homeownership priorities.
Extensive Industry Experience
With 25+ years of experience, thousands of families have confidently secured home financing through expert guidance, smooth transactions, and a wide range of loan programs tailored to meet diverse financial needs and homeownership goals.
Commitment to Service
Your experience is our priority, with exceptional service, clear communication, and timely support, ensuring a smooth, seamless home financing process that is tailored to your needs and focused on your complete satisfaction.
begin Today
Begin your application online or connect with a loan specialist to review programs, required documents, and next steps. This first step helps set expectations and move your home purchase or refinance forward.
Get expert advice and step-by-step support throughout your journey, ensuring you make informed decisions at every stage.
Choose from a broad range of loan programs and terms designed to support purchases, refinances, and specialty financing across different financial situations.
When To Reach Out
Our loan specialists review your situation, explain available options, and help you determine next steps based on your home purchase or refinance plans.
Leave a Message
Testimonials
Hear From Our Clients
See how our clients successfully achieved their homeownership goals through our dedicated support, expert advice, and personalized real estate solutions.
It was a pleasure!
I had the opportunity to work my first deal with Sonja Milsom while representing a home buyer. Sonja and I had to work hard to get the client to commit to Southern Trust, but Sonja was resilient, and moved forward with confidence knowing that her service and product would prove the best fit for my buyer. Sonja’s consistency with communication, knowledge, client feedback and ability to answer questions, as well as her professional, yet friendly attitude set her apart, and my buyer was very happy. The transaction got to closing smoothly and on time, and that made me very happy. I hope to work with Sonja on many more deals–it was a pleasure!
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K
Kristen Arnold
Absolutely fantastic!
She was absolutely fantastic! She guided us through the entire process, patiently answering all our questions. She was super responsive when we reached out, and it felt like she was rooting for us the whole time. As first-time homebuyers, she made the process as stress-free and understandable as possible.
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Sam Mott
Very helpful during buying process
Jason was very helpful during my home buying process. Not only did he help me by providing a loan at a good competitive rate, but he helped me with every step along the way. Jason helped figure out an appropriate budget for buying a home and provided a lot of advice that I was in desperate need of as a first time home buyer. I would recommend using Jason with STM to anyone.
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F
Fall 99
Southern Trust is a total professional
Libby at Southern Trust is a total professional. She understands the buyer’s needs, the market realities and the opportunities provided by various lenders. She is accessible and informative and works well with the leading realtors in the area. A+!
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T
Tom Carr
Thanks Charlie & Karen Hall.
My Wife and I started out in March seriously considering buying a new home, Courtland came to our rescue. We proceeded with a heavy load on Courtland’s shoulders, he made us feel at ease with walking us through the entire process from beginning to the end. Today was our closing, if it wasn’t for the expert advice from Courtland and his team this wouldn’t have been possible. I recommend Courtland and Southern Trust Bank, for the excellent service.
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CH
Charlie Hall
Get Started
Begin online or speak with a loan specialist to review loan options, required documents, and next steps for moving forward.
