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SOUTHERN TRUST MORTGAGE
VALUE PROPOSITION
i • den • ti • ty
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Making home happen.

table of
contents
Mission 3
Vision 4
Leadership 5
Products 7
Marketing 9
Outreach 10
Testimonials 12
Statistics 14

mission
Southern Trust Mortgage is an industry leading
lender that serves our partners, borrowers
and team members through an exceptional
lending experience, thriving relationships and
unwavering integrity. We foster a product and
culture that is founded on confidence and trust.

vision
We will become the premier mortgage partner,
for agents and their buyers and in all markets they
serve by providing a superior lending process and
building meaningful and lasting relationships.

leadership
SALES
JERRY FLOWERS
CEP / President
ANTHONY T. REED
Executive VP
PARTNER
Sonabank—the 5th largest community bank in
Virginia—has part ownership in Southern Trust,
allowing us to offer a wide range of portfolio
products. Our relationship enables us to expand
our footprint by providing mortgages to their
47 locations across Virginia, Maryland, and
Washington D.C.
DENNIS SULLIVAN
VP / CPO / Partner
BRIAN PICKER
SVP, Northern Regional Mgr
CLAVIS SMITH
VP, Central Regional Mgr
CLARE T. CROSSAN
AVP, Area Mgr / DE and PA
JEFF JACKSON
VP / Partner
Simply put, we are better together and can
do more for our customers, teammates,
shareholders and communities.
SUPPORT
KATHRYN RICHARDS
Chief Operating Officer
WILLIAM RAWLINGS
Chief Financial Officer
KELLY BAUMGARDNER
VP, Corporate Ops Mgr
NORMA SELBY
VP of Business Development
JARRETT STANLEY
VP of Marketing
HANCE THURSTON
Head of Captial Markets
JACQUIE KELLEY
AVP / Talent Acquisition Mgr

CONFORMING PROGRAMS
• Conforming Fixed 30, 25, 20, 15, and 10 Year
• Agency FNMA / FHLMC Approved to Sell Direct
• Conforming 3/1, 5/1, 7/1 and 10/1 ARMs
• FNMA 97% Fixed up to 30 Year
• FNMA DU Refi Plus / FHLMC LP Relief Refi
• Home Possible 97% Fixed 30 Year
• Agency Jumbo Fixed / High Balance Fixed and ARM
• FNMA HomeStyle Renovation Program
(traditional, streamline and high balance)
NON-CONFORMING PROGRAMS
• Non-Conforming Fixed 30 and 15 Year
• Non-Conforming 3/1, 5/1, 7/1 and 10/1 ARMs
• Loan Amounts to $3,000,000
• 5/5 ARM - No MI 95% LTV to $729,750
OTHER FEATURES / PROGRAM HIGHLIGHTS
• Manufactured Housing (FHA / VA)
• Closed End Fixed 2nd Liens to CLTV 95%
• Extended Lock Options up to 540 Days
• State Bond Programs - VHDA, MD CDA, SC Housing,
NC Housing
• HELOCs - CLTV to 89.99%
• Price Protection Available to midnight 12:00 a.m.
for New Applications, Agency / Govt Products only
• Dedicated Condominium Underwriter specializing in
VA, FHA, and Conventional condominium warranty
approvaland validation
• FHLB First-Time Homebuyer / Community Partners Grants

Andrew Kellam
PRODUCTION MANAGER
I joined Southern Trust Mortgage in November
of 1998 as a Loan Officer and have spent the
past 14+ years growing with the company. Over
the years, I have had numerous opportunities to
leave Southern Trust for management/originator
positions at other companies, but have stayed
put for many reasons.
It all starts at the top! From the Corporate
Operations Manager to the President of the
Company, you will not find a more accessible
group of mortgage professionals to assist a
highly motivated Loan Officer. They realize the
cornerstone of success for the Loan Officer and
the company is closing loans and closing on
time. Not to mention, Southern Trust provides a
competitive rate sheet and generous
compensation.
Above all else, my loyalty to Southern Trust is a
product of their loyalty to me. I am fortunate
to work with a group that recognizes talent,
desire and hard work. I have been afforded the
opportunity to grow from a Loan Officer (who
had never closed a purchase loan transaction) to
the Branch Manager of the largest branch within
the Company, to the Production Manager. I truly
feel my voice is heard and I am just as much a
part of Southern Trust’s success as they are part
of my own.

Brian Canady
BRANCH MANAGER
Having spent 16 years as a top producer
with two of the top national lenders in the
mortgage business, I’ve asked myself many
times why I didn’t come to Southern Trust
Mortgage
sooner. I joined Southern Trust in September
2011 and have rediscovered how fun this
business can be - you can make promises
and deliver on those promises at Southern
Trust. Since joining, I have consistently
increased my business because I spend
more time in front of my referral sources,
as opposed to fighting unnecessary battles
with underwriters due to their lack of
experience or company overlays.
Southern Trust Mortgage has systems
that are user friendly and use a common
sense underwriting approach. This allows
a loan officer to spend more time finding
new business sources, or to spend time
strengthening existing relationships. Either
way, you have time to earn more money!
One of the unique characteristics about
Southern Trust is everyone in the company,
including all of the senior management,
is available to answer any questions.
And if a problem arises, everyone comes
together to figure our the best solution for
the customer. The solution does not take
days, but a matter of hours.I have found a
home at Southern Trust Mortgage, which I
anticipate will be where I end my career in
the mortgage business, and I still have 20
years to go. Can you say that about your
company? If not, call someone at Southern
Trust.

COMPANY
stats
FOUNDED
I998
by Jerry Flowers
and a team of
experienced
mortgage
professionals
HEADQUARTERS
Virginia Beach, VA
OWNERSHIP
Jerry Flowers
AND
Sonabank
I8
RETAIL
OFFICES
Virginia
Maryland
North Carolina
South Carolina
Delaware
Along with having dozens of highly
recognized investor relationship
approvals, Southern Trust is also
privileged to sell direct to FNMA/
FHLMC and we are approved to
issue our own GNMA mortgage
backed securities. These Agency
relationships put Southern Trust
on equal playing ground with the
big banks.
200 +
EMPLOYEES
of mortgage
consultants and
operations staff
members