Brandon Beddie - Loan Officer at Southern Trust Mortgage NMLS# 1366252

Effective
August 10, 2024, VA buyers will have the option to pay their real estate agents commissions. Previously, active-duty service members, veterans, or eligible spouses couldn't use their benefits for agent fees. This update ensures VA Buyers stay competitive in today's real estate market.

Call your local STM Lender today for more information!

Great first-time homebuyer grants available! Give me a call to discuss your options!

https://www.southerntrust.com/brandon-beddie

Happy Holidays from our team to you🎄

Just one more sleep...🎄

Merry Christmas Eve!

𝕍𝕖𝕥𝕖𝕣𝕒𝕟𝕤 𝕒𝕟𝕕 𝔸𝕔𝕥𝕚𝕧𝕖 𝔻𝕦𝕥𝕪 𝕄𝕚𝕝𝕚𝕥𝕒𝕣𝕪! Get ready to roll into the New Year with increased buying power!

🏡 𝗩𝗔 𝗟𝗢𝗔𝗡 𝗟𝗜𝗠𝗜𝗧𝗦 𝗔𝗥𝗘 𝗜𝗡𝗖𝗥𝗘𝗔𝗦𝗜𝗡𝗚! 🏡

Ready to make those homeownership dreams a reality? I am here to guide you every step of the way. Let's make 2024 YOUR year to own it, with bigger and better opportunities!
Check out your area loan limits: https://www.fhfa.gov/.../Conforming-Loan-Limit-Map.aspx

Just in time for Veterans Day, our lender-paid 1-0 buydown now includes VA Loans! 🏡🇺🇸 Get ready to lower those initial payments and step closer to your dream home!

What's in it for you?

🇺🇸Reduced interest rates from the get-go!
🇺🇸Special VA Loan options to honor our veterans' service.
🇺🇸Expert guidance for a stress-free journey!

Ready to celebrate Veterans Day with a new home? Let's make it happen!

Buying a home doesn't have to be scary👻 When you're a homeowner, your payments help grow your equity, not your landlord's pockets. Even haunted houses come with equity🎃🏚️

Save the scares for trick or treating, and connect with me today! Click the link in my bio...if you dare 😈

Happy Halloween!

BREAKING NEWS!📢 Conforming loan limits have been raised to $750,000 for 2024!

What does this mean for you? Well, it means your dream of owning a home just got a big boost! With these expanded limits, you now have more financial flexibility to secure your home in high-priced areas. Whether it's your first purchase, an upgrade, or a strategic refinance, you can utilize this limit increase to buy now instead of waiting until next year!

Ready to take the next step? Reach out to me today to learn how these increased loan limits can work for you. Our team is here to provide personalized guidance and support throughout your home-buying journey.

Let's 'Make Home Happen' Today!

Team Southern Trust Mortgage showing up to help with HRRA and Habitat for Humanity today! Great time giving back and helping the community.

It's official. Happy Fall!🍂 With all the changes that the autumn season brings, why not add buying your dream home to the list?

Visit my website today to get started on your fall homebuying journey!

⛈️ Hurricane heads up!🌀 Preparation is key to making sure you and your family are safe during a hurricane.

With hurricane season in full swing, now is the time to review your plan and take the right steps to prepare!

"If we learn nothing else from this tragedy, we learn that life is short and there is no time for hate." -- Sandy Dahl, Wife of Flight 95 Pilot Jason Dahl.

We will never forget.

It's kick-off day!🏈 Whether you're a die-hard football fan or just looking to score big on your homebuying journey, we've got the winning plays for you.

🏟️ Huddle up with our expert loan officers to tackle your homeownership goals.
📈 Score an interest rate that's a guaranteed game-changer!
💼 Blitz through the mortgage process with our streamlined and hassle-free approach.
🏆 Secure your dream home and celebrate in the end zone!

Don't fumble your chance to save big. Touchdown with Southern Trust Mortgage and make this autumn a season to remember! 🍁🏠

Here's the scoop on interest🔎💰

Interest is expressed as a percentage, known as the "interest rate." This rate determines the extra amount you'll pay back on top of the principal.

Understanding interest is essential because it affects your overall mortgage cost. A lower interest rate can save you a significant amount of money over time, making your homeownership journey more affordable!

Let's talk about finding the interest rate that suits your financial goals. Visit my website today to get in touch!

Happy Labor Day from me and my team at Southern Trust Mortgage!

Enjoy the long weekend (and the sales!)

September is 🏡 All month long, we'll be sharing helpful tips to keep you safe on the job! First up--try to show properties during the day. If you must show a property after dark, turn on all the lights as you go, and don't lower shades or draw curtains!

Learn more by visiting www.nar.realtor/safety

Stay tuned for our next Realtor Safety Tip!

Happy !💰 One of my top priorities as a loan officer is to educate my clients about the importance of healthy financial habits.

Some tips to help keep your finances on track are:

💵Get on a budget
💵Pay yourself first!
💵Pay off debt
💵Build your emergency fund
💵Grow your money by investing

The steps you take today will pay off in the future!

Do you have questions on how to financially prepare for your home purchase? Visit my website today to get in touch!

This month's Home Loan Lingo term is...foreclosure!

A foreclosure takes place when a home is seized by the lender. Foreclosed homes almost always cost less than other homes in the area, or they are listed below market value, making them a very attractive option for buyers!

Buying a foreclosed home is slightly different from buying a house owned by a homeowner, so be sure to reach out with any questions you have about the process!🏡

The most popular credit score -- and the norm in the industry -- is the FICO score. Become familiar with the factors that make up this number so you can get your score in tip-top shape before submitting your mortgage application!🏡

Thinking about turning your backyard dreams into a reality with a pool? We’re here to make that a financial breeze! See below 👇🏼👇🏼👇🏼

Financing your pool with your mortgage is a smart and convenient way to transform your home into a summer paradise.

By rolling the cost of your pool into your mortgage, you can enjoy:

🏝A Single Convenient Payment: Instead of managing multiple loans, you'll have one streamlined payment, making your finances easier to manage.

🏝Competitive Rates: We’ll work hard to find you the most favorable rates and terms, helping you save money in the long run.

🏝Increased Home Value: A well-designed pool can boost your home's overall value and appeal, making it an excellent investment for both your enjoyment and future resale.

🏝Customized Solutions: We understand that every homeowner has unique needs. My team and I will tailor a financing solution that aligns perfectly with your financial goals and aspirations.

Ready to make a splash? Visit my website today!🌞

We might be biased, but we’ve saved the best Home Loan Who’s Who for last: your Loan Officer! 🏡

Loan Officers do much more than simply finding and securing your mortgage loan. Here at Southern Trust, we go above and beyond for our borrowers, guiding and informing you every step of the way.

Are you ready to experience the Southern Trust difference? Visit my website today to get started.

Happy !🍦 The only thing sweeter than ice cream? Working with Southern Trust Mortgage for your home loan needs!

Are you ready to start your homebuying journey this summer? Visit my website today to get started.

Imagine waking up to breathtaking views in your very own vacation home! Whether it's a cozy beachfront cottage or a serene mountain retreat, our expert sales team is here to make your getaway dreams a reality.🏡

By exploring your vacation home mortgage options with Southern Trust, you can expect:

💙Flexible Financing Solutions
💙Competitive Interest Rates
💙Potential Rental Income from Your Purchase
💙Tax Advantages
💙Building Equity
💙And more!

Ready to take the next step? Visit my website today to get started!

Your homeownership dreams are within reach with Down Payment Assistance (DPA) programs from Southern Trust Mortgage!🏡💙

DPA’s aim to make homeownership more accessible, offering financial aid to eligible homebuyers which helps to bridge the gap between your savings and the required down payment amount.

Want more information? Visit my website today to speak with me about your options!

Nothing screams summer like a backyard get-together🌞 Check out our tips & tricks to transform your backyard into the outdoor oasis below! 👇🏼👇🏼👇🏼

🏡Plan Your Vision: Picture your ideal backyard and envision how you'd like to use the space.

🏡Design and Landscaping: Create a captivating layout that harmonizes with your vision. Enhance your space with vibrant plants, serene water features, or stylish hardscapes!

🏡Outdoor Entertainment: Bring the party outdoors with a custom-built barbecue area, a fire pit for cozy gatherings, or a spacious deck for alfresco dining.

🏡Energy-Efficient Upgrades: Consider incorporating eco-friendly elements such as solar panels, energy-efficient lighting, or a rainwater harvesting system. These upgrades not only save you money in the long run but also contribute to a greener planet!

Check out our blog article for more info!

Looking for a property with a larger-than-average price tag? We’ve got the solution. This month’s Home Loan Lingo term is…Jumbo Loan!🏡

Jumbo mortgage loans are exactly what they sound like, home loans that allow borrowers to secure larger loan amounts to purchase or refinance high-value properties that exceed conventional loan limits.

When you choose to finance a Jumbo Loan with Southern Trust, you get access to:

🏡Down payments as low as 5%*
🏡No mortgage insurance options
🏡Speedy application process
🏡Can be used for vacation properties, investment properties, or second homes
🏡Personalized guidance every step of the way

*Loan requirements vary.

Visit my website today to learn more. We can’t wait to help you “make home happen”!

Let freedom ring! 🎆🇺🇸 Happy Independence Day from the Southern Trust team.

We hope you and your family are having a safe and fun-filled celebration!

Please note, all Southern Trust offices are closed today in observance. We will reopen tomorrow.

Temperatures are rising, and the housing market is heating up!🌞🏡 Are you ready to take your home’s value to the next level this season?

Stand out to buyers by:

🔨Enhancing your curb appeal
🔨Remodeling that kitchen
🔨Upgrading your bathrooms
🔨Elevating your outdoor space with a deck, firepits, and nice lighting
🔨Making some energy-efficient improvements
🔨Taking advantage of smart home technology

Check out our blog article for all the juicy details.

Stay tuned for more summer homeownership tips & tricks to come!