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.
Patient & Supportive
Clients feel completely supported throughout the mortgage process, especially first-time home-buyers, she thoroughly explains every detail and answers all questions, ensuring they are confident and informed every step of the way.
Client-Focused Expertise
With a dedication to understanding each client’s unique needs, Avery provides tailored mortgage solutions that ensure clients receive the best rates and personalized service, making the entire home-buying experience smooth and stress-free.
Tech Driven Mortgage Solutions
Avery’s strong family values shape every aspect of her work, making her approach deeply personal. She treats clients as family, taking extra care to truly understand their needs and ensuring they feel heard, valued, and supported throughout their homeownership journey. For Avery, it’s not just about closing deals; it’s about building lasting relationships rooted in trust, respect, and genuine care.
Rick Hennen 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. Rick Hennen believes technology should enhance, not replace, human connection, ensuring you always have a dedicated professional available for guidance, support and questions.
Flexible Options
Avery seamlessly blends her in-depth knowledge of mortgage solutions with a genuine, compassionate approach. She understands that home buying is a life-changing event, which is why she prioritizes clarity, patience, and personal connection, ensuring her clients are confident and well-prepared at each step. Her expertise helps turn a complex process into a smooth, understandable experience.
Your life doesn’t fit in a one-size-fits all mold, and your mortgage shouldn’t either. Rick Hennen 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! Rick Hennen’s mission is to unlock homeownership by offering flexible terms that align with your current and future goals.
Empowerment Through Education
Avery seamlessly blends her in-depth knowledge of mortgage solutions with a genuine, compassionate approach. She understands that home buying is a life-changing event, which is why she prioritizes clarity, patience, and personal connection, ensuring her clients are confident and well-prepared at each step. Her expertise helps turn a complex process into a smooth, understandable experience.
The mortgage process shouldn’t be confusing, and with Rick Hennen, it isn’t. He is a passionate educator committed to breaking down the entire lending journey in an easy to understand way. Rick Hennen 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 Rick Hennen 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.
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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 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.
Highly recommend Rick and his team! Throughout the entire process, each team member helped answer any questions and was very quick to respond. They will keep you informed at every step and guide you through (especially as a first-time home buyer)!
Rick and his team made our first time home buying process with the VA loan super easy! Rick was excellent with communication, especially with us having a 3 hour time difference. He answered calls or texts very quickly, even on weekends. We needed to have an extremely quick turnaround with our military PCS and they made it happen without any issues. He was very patient and explained each step of the process so we could easily understand our next steps. He helped give advice on different areas since we were going to have to buy a house before even checking out the area and we felt strongly that we could trust his advice. HIGHLY recommend Rick and his team.
Rick and his team are excellent! They provide top notch service and go above and beyond for their clients. Rick is exceptional at explaining the financing process to his clients. He makes sure they’re comfortable and is always one step ahead making sure everything goes as smooth as possible. Rick is also great at laying out any and all options available and provides so much value. Not to mention he is a VA Specialist and takes good care of his military clients. Thankful I can count on this amazing team of local professionals to get the job done!
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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.
