Meet Our Mortgage Loan officer Benjamin Lacey
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.
Benjamin Lacey
Mortgage Loan officer
Client-Focused Service
Prioritizing the needs of each client, he offers personalized service and clear communication throughout the entire mortgage process. Clients value their attentiveness and availability, ensuring a smooth experience with full confidence and support. The focus is on building long-term relationships, leading to repeat business and strong referrals.
Expertise & Thoroughness
Benjamin brings a wealth of expertise in VA, NC, and FL mortgage markets, ensuring clients receive the best loan options and rates. With a thorough, detail-oriented approach, he simplifies complex processes and offer tailored solutions, making the home-financing experience smooth, stress-free, and successful.
Tech Driven Mortgage Solutions
With a deep-rooted belief in the importance of family, Benjamin approaches every aspect of his work with the same care and attention he gives his loved ones. He builds meaningful, lasting relationships with clients, ensuring that they feel supported, valued, and understood. His family-oriented mindset enhances his dedication to helping others achieve their homeownership dreams.
Benjamin Lacey combines the efficiency of cutting-edge mortgage technology with the expertise of personalized service. As a Southern Trust Mortgage lender, He/She 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. Benjamin Lacey believes technology should enhance, not replace, human connection, ensuring you always have a dedicated professional available for guidance, support and questions.
Flexible Options
Driven by a strong sense of legacy, he approaches his work with the intention of making a lasting impact. By helping families achieve their homeownership goals, he contributes to building their future. His work goes beyond closing loans — it's about fostering long-term relationships and ensuring clients’ financial stability for generations, leaving a legacy of service and trust.
Your life doesn’t fit in a one-size-fits all mold, and your mortgage shouldn’t either. Benjamin Lacey 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/She 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! Benjamin Lacey’s mission is to unlock homeownership by offering flexible terms that align with your current and future goals.
Empowerment Through Education
Known for his diligent work ethic, he consistently goes above and beyond to provide the best service to his clients. Whether it's securing the best rates or offering clear communication, he ensures a smooth and stress-free experience. His dedication to hard work and precision ensures that clients receive a personalized, top-tier mortgage experience, every time.
The mortgage process shouldn’t be confusing, and with Benjamin Lacey, it isn’t. He/She is a passionate educator committed to breaking down the entire lending journey in an easy to understand way. Benjamin Lacey 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/Her 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 Benjamin Lacey 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.
Estimate your monthly payment and apply with confidence!
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 Mortgage 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.
You will not find a more genuine human !! Ben is most humble and kind he will lead you in the right direction and get your deal done!! I am grateful for the business but more blessed to call Ben family 💛
Ben is a 10/10! While buying a home alone is extremely stressful, he was ALWAYS available for any questions I may have and always explained it so I could understand. He was always honest and straightforward about everything. He always kept me in the loop and worked diligently for over a year with me while I worked to sell my previous home to buy my new home. I will most definitely recommend to all friends and family who are in the market for a loan officer!
Ben Lacey is the man! Scored my wife and I two grants worth over $25,000 that completely covered closing costs on our new home and then some! Ben made the process easy to understand and made sure everything went smoothly and was completed on time. fantastic customer service. Thank you so much Ben and southern trust mortgage!!!
Mortgage Loan officer
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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.
