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Mortgage Loans

We want you to love your loan as much as your home — that’s why we partner with Southern Trust Mortgage to offer you an outstanding mortgage loan option tailored uniquely to you. Purchase or refinance at a competitive rate and enjoy the excellent service that Southern Trust Mortgage is known for. Plus, you’ll get a fast decision made locally, so you can start moving in as soon as possible.

Check out our great options for first time home buyers!

  • We partner with Southern Trust Mortgage — a company with an excellent reputation in the mortgage loan industry
  • Competitively low rates for home purchase or refinance
  • For primary residence, second homes, vacation homes, or investment properties
  • Refinance your current home to potentially lower your rate
  • Terms customized to your unique situation
  • Wide variety of mortgage options available
  • Helpful loan advisors with working knowledge of the local real estate market
  • Local decision-making, processing and closing
  • Attentive, friendly service from start to finish

Unique and Innovative Mortgage Loan Options*

Here are options that Southern Trust Mortgage can provide for home financing:

Learn more about Southern Trust Mortgage, see a loan application checklist and more with our mortgage brochure.

Good News First Time Home Buyers!

First time home buyers with Sonabank can enjoy incredible advantages through our home loan partner, Southern Trust Mortgage

We offer:

  • Low Down Payment Requirements
    • including 100% financing options
  • First Time Home Buyer Programs
    • offering lower rates and monthly payments
  • Down Payment Assistance/Grants for Community Partners
    • firefighters, police, teachers, EMTs, nurses
  • Low Down Payments for Doctors
    • with no private mortgage insurance (PMI)
  • Priority Approval in as Little as One Day
    • get your mortgage approved before you shop for a house

Ready to start you application? We're here to help!

Click the link below or call today to discuss your options: 1-800-356-3936

Sonabank Lenders are registered with the National Mortgage Licensing System (NMLS). For more information, go to

Know what to expect when buying or selling — explore the Real Estate section of our Financial Planning Library.

Southern Trust Mortgage NMLS #2921 ( Southern Trust Mortgage, L.L.C lending in the following states: DC(Lic#MLB-2921), DE, FL, GA (Lic.#16579), MD, NC, NJ, OH, PA, SC

(Lic.# LB-2921), TN, WV, VA. Southern Trust Mortgage is proud to be an Equal Housing Lender and Equal Opportunity Lender. Offer subject to credit approval.

Southern Trust Mortgage is an affiliate of Sonabank and you are not required to use their services. For more information on this affiliate relationship please see the Affiliated Business Disclosure.