Meet Our Loan officer Jimmy Hedges
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.
Deep Educational Approach
Jimmy’s passion for educating clients sets him apart, ensuring they fully understand the mortgage process. His patient, informative style builds trust and empowers borrowers to make confident, well-informed financial decisions.
Extensive Product Knowledge
With expertise across a wide range of loan programs—including Construction, Renovation, and NCHFA loans—Jimmy tailors solutions to meet each client’s unique needs, simplifying even the most complex financing challenges.
Tech Driven Mortgage Solutions
Family is at the core of Jimmy’s life, and this value is evident in how he treats his clients—with genuine care, warmth, and attention. Living in Cary with his wife and twin daughters, Jimmy understands the importance of finding the perfect home for a family’s future. His ability to connect on a personal level makes each client feel truly seen and supported.
Jimmy Hedges 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. Jimmy Hedges believes technology should enhance, not replace, human connection, ensuring you always have a dedicated professional available for guidance, support and questions.
Flexible Options
Jimmy’s goal is to be remembered not just for closing loans, but for creating lasting, positive impacts in the lives of his clients. Through honest communication, thoughtful education, and personalized support, he’s establishing a professional legacy rooted in reliability, empowerment, and genuine service—making him a trusted guide for generations of homeowners.
Your life doesn’t fit in a one-size-fits all mold, and your mortgage shouldn’t either. Jimmy Hedges 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! Jimmy Hedges‘s mission is to unlock homeownership by offering flexible terms that align with your current and future goals.
Empowerment Through Education
Specializing in everything from First-Time Homebuyer programs to Jumbo, Construction, and Renovation loans, Jimmy brings a rare breadth of expertise. His ability to find creative financing solutions that fit each client’s unique situation ensures a smooth, customized mortgage experience. Clients value his deep understanding of the market and his strategic, client-first approach to home financing.
The mortgage process shouldn’t be confusing, and with Jimmy Hedges, it isn’t. He is a passionate educator committed to breaking down the entire lending journey in an easy to understand way. Jimmy Hedges 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 Jimmy Hedges 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.
When buying a home, especially for the first time, having a mortgage broker you can trust and who communicates is important. Jimmy and his team at Southern Trust is amazing! They made sure we understood the process, and took time to answer ALL of our questions throughout! Thank you Jimmy for all your help and making buying our first home seamless and stress free!
Construction loans are not easy, but Jimmy Hedges guided us through the entire process, from initial contact and loan application to closing. He told us what to expect, worked with the underwriter to secure the loan we needed, and followed through on all phases of the process. Couldn't ask for better service.
My wife and I have used Jimmy's services twice now. Once for our first mortgage and another time for a refinance. Jimmy is super responsive, knowledgeable, and does a fantastic job explaining every step of the process. I'd highly recommend him to anyone looking for a mortgage.
Branch Manager
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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.
