Don Ryan, Loan Officer - Southern Trust Mortgage NMLS# 455889

Don Ryan, Loan Officer - Southern Trust Mortgage NMLS# 455889 Loan officer with 20 plus years experience. Loan Officer NMLS #455889

Southern Trust Mortgage, LLC Equal Opportunity Lender. NMLS #2921

Whether you're buying, selling, refinancing, or building your dream home, you have a lot riding on your loan specialist. Since market conditions and mortgage programs change frequently, you need to make sure you're dealing with a top professional who is able to give you quick and accurate financial advice. I have the expertise and knowledge you need to explore the many financing options available.

Ensuring that you make the right choice for you and your family is my ultimate goal. And I am committed to providing my customers with mortgage services that exceed their expectations. I hope you'll browse my website, check out the different loan programs I have available, use my decision-making tools and calculators, and apply for a loan in just four easy steps with the short form Application. After you've applied, I'll call you to discuss the details of your loan, or you may choose to set up an appointment with me using my online form. As always, you may contact me anytime by phone, fax or email for personalized service and expert advice. Southern Trust Mortgage LLC, is proud to be an equal housing lender. NMLS # 2921

Southern Trust Mortgage LLC, NMLS #2921 (www.nmlsconsumeraccess.org) lends in the following states: District of Columbia - -2921 | Delaware – #036386 | Maryland | North Carolina – #205483 | OH RM.804841.000 | Pennsylvania – #94064| South Carolina | Tennessee | West Virginia – -34191 | Virginia – | Florida – MLD #2151; Southern Trust Mortgage, LLC d/b/a Southern Residential Lending in the following states: Georgia – #16579 | New Jersey – Licensed by the N.J. Department of Banking and Insurance. By refinancing a consumer’s existing loan, the consumer’s total finance charges may be higher over the life of the loan.

Southern Trust is here to serve YOU! We are committed to guiding our buyers, ensuring a smooth, stress-free move. If you...
05/12/2026

Southern Trust is here to serve YOU! We are committed to guiding our buyers, ensuring a smooth, stress-free move.

If you are looking to buy, we’re here to help!

Contact me today if you’re interested in learning more!
https://myoc.io/DonRyan

NMLS # 455889

No one likes an unexpected surprise, especially as you’re nearing closing day. While it’s my job to help you stay on tra...
05/05/2026

No one likes an unexpected surprise, especially as you’re nearing closing day. While it’s my job to help you stay on track, and I’ll be there every step of the way, here are some things to avoid before closing.

❌ Don’t Make Large Purchases
❌ Don’t Open or Close Credit Accounts
❌ Don’t Change Jobs
❌ Don’t Make Large, Undocumented Deposits

If you have any questions about the mortgage process and what you should and shouldn’t do, give me a call!
https://myoc.io/DonRyan

NMLS # 455889

Buydowns are often a better alternative to lowering the price of the home. Whether you’re the buyer or the seller, a tem...
04/27/2026

Buydowns are often a better alternative to lowering the price of the home. Whether you’re the buyer or the seller, a temporary buydown is a great option for everyone involved. While the immediate savings are what draw buyers in, many homeowners are looking towards the future.
https://myoc.io/DonRyan

NMLS # 455889

An Adjustable-Rate Mortgage (ARM) is a home loan with an interest rate that can change periodically after an initial fix...
04/20/2026

An Adjustable-Rate Mortgage (ARM) is a home loan with an interest rate that can change periodically after an initial fixed period.

This specific loan type often starts with a lower "introductory" rate, which then adjusts based on market conditions later on. This can be a smart choice for buyers who plan to sell or refinance before the rate begins to fluctuate!

If you have questions about ARM’s or the mortgage process, let me know!

NMLS # 455889

When you’re buying a home, interest rates can move daily. A rate lock protects you from increases during your loan proce...
04/13/2026

When you’re buying a home, interest rates can move daily. A rate lock protects you from increases during your loan process.

Here’s how it works:

1️⃣ You choose to lock your rate
2️⃣ Your rate is secured for a set time
3️⃣ Even if rates rise, your rate stays the same

It’s one of the ways we help buyers navigate today’s market with confidence.
https://myoc.io/DonRyan

NMLS # 455889

A rate lock protects your interest rate while your home loan is being processed. Once your rate is locked, it won’t chan...
04/06/2026

A rate lock protects your interest rate while your home loan is being processed.

Once your rate is locked, it won’t change, even if market rates go up before closing.

Why it matters:
⭐ Protects you from rising rates
⭐ Helps keep your monthly payment predictable
⭐ Gives peace of mind during the buying process

Thinking about buying? Let’s talk about when it makes sense to lock your rate.
https://myoc.io/DonRyan

NMLS # 455889

A Buydown is a strategic way to lower your interest rate by paying an upfront fee at the start of your loan. They’re sel...
03/30/2026

A Buydown is a strategic way to lower your interest rate by paying an upfront fee at the start of your loan. They’re seller funded and offer countless long-term benefits for everyone, the property included.

With a buydown, we are exploring options to "buy" a lower rate for the first few years (or the life) of the mortgage. This is a popular tool to keep monthly payments more manageable, especially in the early stages of homeownership.
https://myoc.io/DonRyan

NMLS # 455889

Credit plays a large role in your home purchase, so it’s important to know the differences between a hard pull and a sof...
03/27/2026

Credit plays a large role in your home purchase, so it’s important to know the differences between a hard pull and a soft pull and how it impacts your credit score.

Learn more about the different types of credit pulls here.

If you have any questions, contact me today!
https://myoc.io/DonRyan

NMLS # 455889

Did you know there’s a few key differences between hard pulls and soft pulls on your credit? The biggest is that you can...
03/23/2026

Did you know there’s a few key differences between hard pulls and soft pulls on your credit? The biggest is that you can look at your own and it does NOT impact your credit score.

Visit annualcreditreport.com to get your free credit report to get a better look at your credit standing.

If you have any questions about your credit, let me know! I’m here to help!
https://myoc.io/DonRyan

NMLS # 455889

It’s never too late to start improving your credit score! Once you get an understanding of your current situation, there...
03/20/2026

It’s never too late to start improving your credit score! Once you get an understanding of your current situation, there are a few things you can do to improve your credit score.

🏠 Make On-Time Payments

🏠 Lower Your Credit Utilization

🏠 Limit New Credit

🏠 Diversify Your Credit Mix

Your credit and financial situation are specific to YOU! For a better understanding of your credit and what you need to purchase a home, contact me today!
https://myoc.io/DonRyan

NMLS # 455889

Address

11515 Caboose Road SW
Ellicott City, MD
21532

Telephone

+14435749736

Website

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