The Hedges Mortgage Team at Southern Trust Mortgage NMLS 108440

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Raleigh, NC
The Hedges Mortgage Team at Southern Trust Mortgage NMLS 108440

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Southern Trust is a regional mortgage lender that is committed to making the home There is no better place to obtain a home loan!

We are here when you need us! Online application available 24 hrs 7 days a week at www.hedgesmortgage.com or call 919 961-6915. nmls # 108440

Guarantee lowest rate, and even a free float down if rates improve prior to closing. Jumbo financing available at conforming rates! Specialties: I have access to the largest variety of loan products in the industry through Prime Lending, including: Conventional, Fannie Mae Direct, Freddie Mac Direct, Jumbo, FHA, VA, as well as Rehab loans: 203K, HomeStyle, HomePath and option to escrow repairs. We provide HARP refinances, FHA Streamline Refinances, and VA IRRL Refinances. We are recommended by NCHFA for specialized first-time home buyer loans including reduced below-market rate loans, down-payment assistance, and Mortgage Tax Credit Certificates. We use a small hand selected pool of appraisers, so our clients can be confident they are getting the most accurate appraisal possible. We have national loan capability for clients moving out of state or for our clients who would like to refer us to out-of-town friends and family. No surprise, last-minute, day-of-closing credit re-pull.

10/15/2026

06/29/2026

While eligibility for each program varies by program, there are options to help those in need. If you’re looking to buy and want to learn more about if you qualify, message me today!

NMLS # 191118

06/22/2026

Homeownership has been the American dream for the last 250 years. To celebrate, we’ve compiled key moments in history that led us to modern-day homeownership.

If you’re looking to make history and buy a new home, I’m here to help! Message me today to learn more!

NMLS # 191118

06/15/2026

Moving Milestones are common indicators that may mean a move is in your future.

Swipe to see some of these common milestones and what the most common option is!

If you relate and are ready to start a conversation, I’m here to help!

NMLS # 191118

06/08/2026

We pride ourselves in not only offering clear guidance and around-the-clock support, but also ensuring a seamless experience tailored to the modern homebuyer.

Connect with me to get started!

NMLS # 191118

05/26/2026

Moving day is a very exciting time but depending on how much you have to move may make the process overwhelming and stressful. Here are some tips to save 30, 20, and 10 days out to take the stress out of moving and enjoy the process of getting into your new home.
https://myoc.io/TheHedgesTeam

NMLS # 191118

05/25/2026

Taking a moment today to remember and honor the brave men and women who made the ultimate sacrifice for our freedom. Their courage and service will never be forgotten. 🇺🇸

NMLS # 191118

05/19/2026

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/TheHedgesTeam

NMLS # 191118

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/TheHedgesTeam

NMLS # 191118

Address

Raleigh, NC
27609

Website

http://southerntrust.com/james-hedges

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