Buy Your First Home With Confidence.

Our goal at Southern Trust Mortgage is to offer a simple and stress-free home lending experience to people looking to buy their first home. If you're ready to see your options, make sure to contact a local Southern Trust Mortgage Loan Officer to get started.

Advantages of Owning Your Home

Invest in Your Financial Future

Stop paying your landlords mortgage payment! Owning your own home allows you to build equity into an asset that is truly yours.

A Space to Make Your Own

When you own your home, you're free to modify and customize as you please. Build that new deck or guest room. The options are limitless.

Unique Financial Benefits

Not only will you get the physical flexibility that comes with homeownership, you'll benefit from tax-breaks and additional financial incentives, too.

Renting versus Owning

Owning A Home:

Building Equity Over Time
Tax Benefits
Potential for Rental Income
More Creative Freedom

Renting A Home:

No Equity Building
No Federal Tax Benefits
Limited Control Over Ongoing Housing Expenses
Limited Housing Security

Get in touch to discuss your specific needs, and we’ll find the program that’s right for you. We have a variety of down payment options and loan programs available.p

Common Questions About Home Ownership

Do I need money for a down payment or any other upfront expenses?

Your monthly payment depends on many factors, including the length of the loan, amount of down payment, current interest rates and a number of other factors. A variety of scenarios can be prepared for you in order to analyze potential out-of-pocket expenses.

Does owning a home have tax advantages?

While tax laws change every year, investing in a home can offer tax advantages. Consult with a local CPA to learn more about current potential deductions for things like real estate taxes and mortgage interest.

Why trust Southern Trust with your home financing?

Founded in 1998, Southern Trust Mortgage is a full-service mortgage lender. We offer diverse mortgage products designed to meet any home financing need. Our continued success is a result of the outstanding customer service we offer our clients and business partners. All of our loans are expedited through local processing, underwriting, and closing agents. Our industry-leading service truly sets Southern Trust Mortgage apart.