Patrick Avery - Mortgage Branch Manager, NMLS# 1508062

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Norfolk, VA
Patrick Avery - Mortgage Branch Manager, NMLS# 1508062

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Mortgage Branch Manager
NMLS # 1508062
Equal Opportunity Lender

11/03/2026

So, you got your home appraisal report back… what happens next? 🤔

These are the 3 ways your home appraisal can land, and what each outcome means for your purchase.

💡 Got questions about navigating your appraisal? Drop them in the comments or send me a DM!

NMLS # 1508062

11/02/2026

📣 If you are buying, selling, or refinancing a home later this year, the appraisal process is getting a major update. Appraisers will soon require much more specific documentation.

Want to ensure your upcoming transaction goes smoothly? Staying organized now prevents delays later! Send me a message today!
https://myoc.io/

NMLS # 1508062

11/01/2026

Don’t forget to turn your clocks back! ⏰ Enjoy the extra hour of sleep and a little more time to settle into the fall season.

NMLS # 1508062

10/31/2026

Do you have leftover Halloween candy? 🎃🍬

We’re collecting leftover candy and donations at Southern Trust Mortgage for the Soldiers’ Angels Treats for Troops program! Feel free to stop by our office or one of our participating Southern Trust locations to donate.

Learn more about how you can help: southerntrust.com/treats-for-troops
https://myoc.io/

NMLS # 1508062

10/29/2026

If you’re self-employed and thinking about buying a home, there are a few things you should know before you start house-hunting:

✔️ Your income may be calculated differently than a traditional employee's

✔️ Tax returns and other financial documentation may be needed

✔️ Business expenses can impact qualifying income

️✔️The length and stability of your self-employment can matter

✔️ There are mortgage options designed to help most financial situations

The biggest piece of advice? Start the conversation early.

Understanding what you may qualify for before you fall in love with a home can help you shop for you new home with confidence.

NMLS # 1508062

10/22/2026

Don't let a little work scare you away from a home with potential.

A renovation loan may help qualified buyers finance eligible improvements and turn a house into something that feels like home.

NMLS # 1508062

10/15/2026

Being your own boss comes with plenty of perks, but getting a mortgage can sometimes feel a little more complicated.

The good news? Self-employed buyers have options!

From understanding how your income is calculated to knowing what documentation you’ll need, having the right mortgage professional in your corner can make the process easier.

Your built the business. Now we can work together to make home happen.

NMLS # 1508062

10/08/2026

A renovation loan can help qualified buyers purchase a home and finance eligible renovations as part of the mortgage.

Think of it as a way to look beyond what a home is today and see what it could become.

Have a home with potential in mind? Let’s talk about your options!

NMLS # 1508062

10/01/2026

Own a business and looking to purchase, but have a ton of questions? Start here!

Have a question we didn't answer? We're here to help you make a home happen.

NMLS # 1508062

09/30/2026

Think there's only one way to finance your next home? Think again.

Depending on your circumstances, you may have options through conventional, FHA, VA, USDA, or other specialized loan programs.

The right financing strategy can potentially change how much you need upfront and how your monthly payment fits into your budget.

Ready to learn about which financing solution would work best for you and your goals? Connect with me today!

NMLS # 1508062

Address

111 Walt Whitman Avenue
Norfolk, VA
23606

Website

https://www.southerntrust.com/patrick-avery/

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