VA Home Loans

VA Mortgage Options for Veterans & Military Families

Veterans and military families can purchase homes with no down payment, competitive interest rates, and limited closing costs. The VA Loan Program creates buying power for our Veterans and families.

Connect with a Loan Specialist

The opportunity

Homeownership Options for Military Families

Military families can access financing advantages that reduce upfront costs, simplify relocation, and make purchasing a home more achievable. If you are moving due to orders or ready to establish long term roots, the VA loan is perfect for Military families.

Donated in 2025–2026 to the Tunnel to Towers Foundation

$ 0 K

Military and Veteran Homebuyers Served

in VA Loan Volume in 2025

$ 0 M+

States Offering VA Loans

Why Choose Southern Trust

Dedicated VA Loan Specialists Supporting Veterans

Our loan specialists help veterans and military families navigate VA loan eligibility, service documentation, and financing requirements through a clear process from application to closing.

VA Loan Qualification Review

571

Military and Veteran Homebuyers Served in 2025

Over 25

Years of Experience

Trusted guidance, open communication, and tailored insights help you understand each step of the mortgage process and make informed decisions based on your financial goals.

Who Is IT FOR

Designed for Veterans and Military Families

VA loans support eligible veterans, active service members, and military families seeking accessible home financing, flexible qualification standards, and guidance when purchasing a home during relocation and establishing long term roots in the community.

Guidance Through Every Step

From pre-approval through closing, our team provides clear communication and guidance so veterans and military families understand each step of the mortgage process.

Relocation-Friendly Process

Military families often purchase homes while moving due to PCS orders. Our process is designed to support remote buyers and simplify coordination during relocation with ease.

Military Relocation Specialization

Military moves often involve tight timelines and out-of-state decisions. Our team helps coordinate the mortgage process efficiently so buyers can move forward with clarity and less stress.

Dedicated Support for Military Buyers

Take the next step

Start Your VA Loan Process

Connect with our VA loan specialists for a review of your eligibility, service documentation, and financing options. Receive clear guidance, defined next steps, and a structured plan for your home purchase.

What makes US Stand Out

Unlocking Unmatched Buying Power with VA Loans

VA loans unlock exceptional home buying power through no down payment opportunities, competitive interest rates, and flexible qualification standards, helping eligible borrowers secure home financing with greater purchasing strength.

Loan Advantages

Key Benefits of VA Mortgages

VA mortgages offer powerful financing advantages, allowing eligible borrowers to purchase homes with no down payment, competitive interest rates, and flexible qualification standards.

No Down Payment Required

VA loans allow eligible veterans and service members to purchase a home without a down payment, removing one of the largest financial barriers to homeownership.

Lower Monthly Mortgage Payments

VA loans do not require private mortgage insurance, helping borrowers reduce monthly housing costs compared to many conventional mortgage programs.

Competitive Interest Rates

VA loan programs often provide lower interest rates than conventional mortgages, helping veterans and military families save significantly over the life of the loan.

Reusable VA Loan Entitlement Benefits

You may use your VA loan benefits more than once. Whether you are relocating, selling and purchasing a new home , you can take advantage of your VA entitlement multiple times.

How It Works

Simple Steps to Your Home Loan

Follow our straightforward process designed to guide you smoothly from application to closing, making homeownership simple and stress-free.

Meet Southern Trust Loan Officer

Your loan officer submits your application and orders a credit report. With our Priority Approval, you can get approved in just one day, allowing you to confidently shop for a home and make a strong offer.

Find an Agent & Home

A real estate agent helps negotiate the best price and terms. Use your Priority Approval letter to present a stronger offer and move quickly when the right home appears on the market today.

Make an Offer

Once you find your home, your agent prepares the purchase contract and negotiates terms with the seller. Once you have a ratified contract, your loan officer will work with you to lock in your interest rate, you will receive a loan estimate (LE) that outlines your projected costs and Annual Percentage Rate (APR).

Processing & Appraisal

After your offer is accepted, we verify all documents. An appraisal determines the home’s fair market value. You’ll receive a Loan Estimate outlining your projected costs and Annual Percentage Rate (APR).

Underwriting & Approval

An underwriter reviews your loan file and confirms eligibility. Additional documents may be requested. Once approved, you receive a commitment letter outlining the final loan conditions.

Closing & Homeownership

At closing, your loan officer will review your documents, including the Closing Disclosure. The CD outlines costs associated with closing. You will choose a settlement agent and close on your new home.

begin Today

Start Your Homeownership Journey

Begin your application online or connect with our loan specialist to review available programs, required documents, and next steps. Southern Trust Mortgage is an approved lender of programs for NC Housing and other grant programs that reduce any upfront cost for eligible first-time buyers and military veterans.

Get trusted advice and step-by-step support for VA loans including documentation requirements, and next steps, helping you navigate the process with clarity. Creating confidence to make informed decisions throughout your home buying journey.

Choose from a wide range of loan programs, including VA loans and North Carolina programs like NC Home Advantage and NC 1st Home Advantage, designed to support purchases, refinances, and relocation needs.

Testimonials

Hear From Our Clients

See how our clients successfully achieved their homeownership goals through our dedicated support, professional advice, and personalized real estate solutions.

Nicest Person to Work With

I’d like to start by saying, Heather is one of the nicest people that I’ve ever had the pleasure of working with. She is very knowledgeable about her field including parts of the job that are not her own. I would entrust her with my business again and again and again!

Ashlee A.

Truly Professional and Honest

Heather is one of the most professional & honest people I’ve worked with. She took time to explain and answer any questions I had. I will go back to her next time! Thank you Heather!

Hope C.

Very Informative Throughout

Heather was so professional and easy to work with. Very informative throughout the process. Thank you, Heather.

Donna H.

When To Reach Out

Connect With a Loan Specialist

We work with buyers across the mid-Atlantic, specifically areas near major military bases. As a top VA lender, our experience gives us insight into the needs of active-duty and retired veterans.

Southern Trust Mortgage

Making Home Happen

NMLS #2921

Serving Key Communities Near

Connect with a VA Loan Specialist

FAQs

Your VA Loan Questions, Answered

Find clear answers to common VA loan questions, including eligibility requirements, Certificate of Eligibility, funding fees, property guidelines, and qualification standards so you can move forward with clarity.

Handled Closings Flawlessly

Heather has handled a couple closings for me and the rates she locked me with and the level of service is second to none!

Seaburn B.

VA Loan Receiver, Virginia Beach, VA

The VA loan is a mortgage program backed by the U.S. Department of Veterans Affairs that helps eligible veterans, active duty service members, and some surviving spouses purchase homes and/or refinance with favorable financing terms.

No. One of the key benefits of a VA loan is the ability to purchase a home without a down payment as long as the loan limit is equal to or less than the VA Loan Limit. Loan Limits are subject to change, standard loan limit for 2026 is $832,750.

The VA does not set a minimum credit score requirement. However, many lenders prefer scores around 620 or higher while also reviewing payment history, income stability, and existing debt obligations.

The VA funding fee is a one-time fee that supports the VA loan program. It can often be financed into the loan amount, and some veterans with service-related disabilities may be exempt.

No. VA loans do not require mortgage insurance, which helps reduce monthly mortgage payments. This benefit allows eligible borrowers to maintain lower housing costs compared to FHA or conventional loan programs.

Yes. Eligible borrowers can use their VA loan benefit multiple times throughout their lifetime, provided they meet entitlement requirements and use the loan to purchase a primary residence.

Yes. The property must be used as a primary residence and must meet VA appraisal standards for safety, livability, and structural integrity before the loan can receive final approval.

Military Relocation

VA Home Financing for Military Families

Military families often buy homes during PCS relocations. Our VA loan specialists help coordinate the process and guide service members through every step of financing.