Trusted Mortgage Experts

Simplifying Mortgages for our Communities and Families

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

The Mortgage Lender for Your Unique Needs

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.

Experience Excellence

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

Find the Right Home Financing for You

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

Making Homeownership Simple and Accessible

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

Securing the Perfect Loan for Your Dream Home

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.

3.5% Down Payment
Lower Credit Requirements
Reasonable Monthly Mortgage Insurance
Gift Funds Permitted
Closing Cost Assistance
Fixed and Adjustable Rate Options

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.

Downpayment Assistance programs: Grants and loans designed to help cover down payment and closing cost
Tax Credits: Potential tax credits and deductions to save money
Educational Resources: Access to workshops and counseling for additional guidance
Special Loan Programs: Designed to help new buyers achieve the dream of ownership with specialty programs.
State and Local Assistance: Various state and local programs that offer additional support and incentives for first-time buyers.

Niche Programs

Offering specialized mortgage solutions through niche programs designed to meet the unique needs of borrowers for a seamless experience.

Doctor Program 95% No MI to $1MM, Primary
Construction Perm (OTC) 90%
12-month Construction Only up to 95%
Interest Only Options
10% Down Second Homes
Loan Amounts to $3M
DSCR
Fix & Flip
Bridge Loan
Bank Statement
Lock & Shop
Extended Locks
Second Home Mortgages

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!

Improved Affordability
Lower Initial Costs
VA, FHA & Conventional
Primary Residence
30 Year Fixed Rate Mortgage Financing
Minimum Credit Score 660
2nd Mortgage Financing Permitted
Seller/Builder & Lender Paid

What Makes Us Stand Out

Decades of Proven Mortgage Experience

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

Start Your Homeownership Journey

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

Connect With a Loan Specialist

Our loan specialists review your situation, explain available options, and help you determine next steps based on your home purchase or refinance plans.

General Contact

295 Bendix Road, Suite 400 Virginia Beach, Virginia 23452

800-748-2147

866-422-8449

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.

Not bad. Prices for certain aspects of the loan seemed slightly higher than with other loan offices, but he processed my loan on a quick timeframe. So you can trust he will get things done on time. Good overall. Really easy to work with.

Anonymous

Southern Trust was amazing to work with and made the process so easy!

Paige Grindstaff

Justin was absolutely a pleasure throughout the whole loan experience! He was so incredibly helpful with any questions I had! He was always easy to get ahold of and if I had to leave a message, he’d return my call very promptly! He kept in constant touch through calls, text, and e-mails, which made communication very easy and responses very prompt! He drove in snow to our apartment when I had a sprained ankle to meet my husband and I and to sign documents! He was very genuine every time we spoke and always made sure things were going well with life as well as the loan process! To sum things up, Justin Moyer is AMAZING!!!

JerricaRobinProffitt

In May of 2013 I returned from a deployment in Afghanistan and immediately received orders to move from Tampa to Maryland with a report date of early July. The short timeframe was tremendously stressful to my family but with the help of a solid team of real estate professionals, spearheaded by Jeff Jackson of Southern Trust Mortgage, we were able to sell our home in Tampa and get into a great house in Howard County that we couldn’t be happier with. Despite several curveballs along the way, he worked hard to keep everything on track and progressing and I can honestly say we wouldn’t have been able to do it without him. We can’t thank him enough and we wholeheartedly recommend him without hesitation.

t34bravo

This was my first home purchase and my realtor recommended Southern Trust. Mary Beth & Amiee were both wonderful to work with, and made it a great experience all around!

veg4life

New to the area, Southern Trust Mortgage made it easy to get pre-approved and even easier to purchase my first home. I would recommend Southern Trust to anyone looking to move to the area!

Russell Leboff

Mary Beth was very professional and helpful through the entire process. I would use her again for any future mortgage needs and would highly recommend her to others.

JasonHudkins

Mary Beth Bracken and Amiee Carr were rockstars! From the beginning, they explained the different loans and helped me decide on the best one for me. I felt other companies I spoke to were not taking me seriously enough to invest their time outlining my different options, so Mary Beth and Amiee set themselves apart at the start. From there, they updated me on each step of the process and provided excellent service. I will recommend them to everyone I know. A+

semmeltb

Mary Beth and Amiee made everything as simple as possible. They explained everything and helped me understand the best possible refinancing option for my situation. They are professional and wonderful ladies! The best part, of course, is that I received a lower interest rate and, now, a lower monthly mortgage payment. Thank you!

jennmullen

Mary Beth and Aimee are on top of everything! They work seamlessly to keep a good flow of communication going, and they are so able to work “on the fly” it made the experience as painless as possible! Would highly recommend this “dynamic duo” to be on your team.

beth brivans

Get Started

Take The First Step Towards Your New Home

Begin online or speak with a loan specialist to review loan options, required documents, and next steps for moving forward.