Davis Horbal - Loan Officer at Southern Trust Mortgage NMLS #2462652

Davis Horbal - Loan Officer at Southern Trust Mortgage NMLS #2462652 Loan Officer NMLS # 2462652

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

Since market conditions and mortgage programs change frequently, it’s important to work with a skilled home loan professional who is able to give quick and accurate financial guidance. I am committed to providing outstanding customer service and helping you make an informed decision about the mortgage that will best suit your needs. Whether you’re purchasing a first home, subsequent home, a vacation home, or an investment property, I can provide you with numerous financing options for you to choose from. These commonly include VA, FHA, USDA Guaranteed Rural Housing, FHA 203K Renovation, and JUMBO loans to name a few.

The market may look different, but your goals are still worth pursuing. Stay consistent, keep showing up, and focus on w...
09/16/2026

The market may look different, but your goals are still worth pursuing. Stay consistent, keep showing up, and focus on what you can control.

If a new home is on your radar, contact me to get started!

NMLS # 2462652

You don’t have to know everything about buying a home. That’s what I’m here for! I’m here to help guide you through the ...
09/09/2026

You don’t have to know everything about buying a home. That’s what I’m here for! I’m here to help guide you through the process, answer your questions, and help you feel confident from pre approval to closing.

If you’re thinking about buying a home, message me today and let’s talk about your goals and next steps!

NMLS # 2462652

Happy Labor Day!Thank you to everyone who helps make our day-to-day possible! Enjoy a much needed and well-deserved brea...
09/07/2026

Happy Labor Day!
Thank you to everyone who helps make our day-to-day possible! Enjoy a much needed and well-deserved break.
https://myoc.io/davishorbal

NMLS # 2462652

Getting a mortgage shouldn’t feel like solving a mystery 🔍🕵️‍♂️At Southern Trust, we know the home financing process can...
08/25/2026

Getting a mortgage shouldn’t feel like solving a mystery 🔍🕵️‍♂️

At Southern Trust, we know the home financing process can feel overwhelming, but you don’t have to figure it out alone. Our team is here to guide you every step of the way and make your journey to closing as smooth and stress-free as possible.

Think of us as your mortgage detectives. We uncover the best loan options for your unique situation, answer your questions, keep you informed, and help solve the puzzle of home financing, so you can focus on finding the perfect place to call home.

NMLS # 2462652

Ready to streamline the mortgage process? Download STM Connect, our mobile app where you have access to:️⭐ Secure Docume...
08/18/2026

Ready to streamline the mortgage process? Download STM Connect, our mobile app where you have access to:

️⭐ Secure Document Submission
⭐ Easy-to-Use Mortgage Calculators
⭐ Loan Status Updates in Real Time

Experience a seamless modern experience with STM Connect. Message me for more info!

NMLS # 2462652

A bridge loan can help connect the gap by providing short-term financing while you transition from one home to the next....
08/11/2026

A bridge loan can help connect the gap by providing short-term financing while you transition from one home to the next.

With the right strategy, you may be able to:
✨ Buy first, sell second
✨ Leverage your home's equity
✨ Make stronger offers
✨ Enjoy a smoother move

Don't let timing stand between you and your next chapter. Let's talk about your options.

NMLS # 2462652

Did you know that Southern Trust Mortgage offers CE credit opportunities for real estate partners?Whether you're looking...
08/04/2026

Did you know that Southern Trust Mortgage offers CE credit opportunities for real estate partners?

Whether you're looking to satisfy your CE requirements or expand your mortgage knowledge, our team offers engaging classes designed to help you stay informed, better serve your clients, and grow your business. This is one more way to support agents and set them up for success with the help of our in-house specialists.

Let me know if you’re interested in attending an event to satisfy your CE requirements!

NMLS # 2462652

If your home has been sitting on the market, or if you're just entering the market, it's time to think about your summer...
07/30/2026

If your home has been sitting on the market, or if you're just entering the market, it's time to think about your summer strategy.

Here's how you can win this summer and sell your home with confidence:

☀️ Keep it cool indoors

☀️ Nail the first impression with curb appeal

☀️ Take advantage of the long summer days for bright, inviting listing photos

☀️ Meet with your trusted home team to get your home sold and prepare for your next move with confidence

NMLS # 2462652

Summer is a great time to buy! Need more of a reason to start the process?☀️ Increased inventory☀️ Nicer weather for hou...
07/28/2026

Summer is a great time to buy! Need more of a reason to start the process?

☀️ Increased inventory
☀️ Nicer weather for house tours
☀️ See homes in their peak season

If you've been considering starting the homebuying process, connect with me today!

NMLS # 2462652

Summer Nights✨There's nothing quite like summer nights at home.🌙 Relaxing on the back porch🔥 Hosting backyard cookouts✨ ...
07/23/2026

Summer Nights✨

There's nothing quite like summer nights at home.

🌙 Relaxing on the back porch
🔥 Hosting backyard cookouts
✨ Watching fireflies with family and friends
🏡 Making memories in a place that's truly yours

If homeownership is one of your goals this year, let's connect and create a plan to help you get there!

NMLS # 2462652

Address

295 Bendix Road #400
Virginia Beach, VA
23452

Opening Hours

Monday 9am - 6pm
Tuesday 9am - 6pm
Wednesday 9am - 6pm
Thursday 9am - 6pm
Friday 9am - 6pm

Telephone

(757)3732998

Website

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