Mortgage Brokers
Virginia Beach, VA
The Pat Miller Mortgage Team at Southern Trust Mortgage is a group of experienced loan officers in Virginia Beach specializing in helping homebuyers achieve their dreams through personalized mortgage solutions. Led by Pat Miller Sr., the team includes six licensed loan officers and in-house specialists who handle everything from first-time homebuyer programs to complex condominium financing and credit optimization. They offer VA, FHA, USDA, and conventional loans, with bilingual support and expertise in credit rescoring, condo approvals, and non-warrantable condominium programs.
Ideal for: First-time homebuyers, VA loan borrowers, FHA loan applicants, buyers with credit challenges, condo and PUD purchasers, Spanish-speaking homebuyers, investment property investors
Service area: Virginia Beach, VA and surrounding regions including Virginia, West Virginia, North Carolina, South Carolina, Washington DC, Delaware, Maryland, Pennsylvania, Tennessee, Florida, Georgia, and New Jersey
Specialized Condo & Credit Expertise: In-house specialists like Cheryl Young (29 years, condo expert) and Mike McNamara (32 years, credit specialist) provide direct guidance on complex condominium approvals and credit rescoring to maximize qualification and rates.
Comprehensive First-Time Buyer Programs: The team specializes in first-time homebuyers with or without down payment assistance, offering VA, FHA, and USDA options alongside conventional loans tailored to individual circumstances.
Bilingual Service & Personalized Approach: Bilingual loan officers (including Juan Martillo) and a commitment to individualized service ensure Spanish-speaking borrowers and all clients receive clear guidance throughout the mortgage process.
Address: 295 Bendix Rd #400, Virginia Beach, VA 23452
Phone: (757) 390-6314
Website: southerntrust.com
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