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

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

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Virginia Beach, VA
Davis Horbal - Loan Officer at Southern Trust Mortgage NMLS #2462652

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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.

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/davishorbal

NMLS # 2462652

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 # 2462652

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/davishorbal

NMLS # 2462652

10/29/2026

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 # 2462652

10/22/2026

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 # 2462652

10/15/2026

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 # 2462652

10/08/2026

Love the house, but it needs some work? That’s okay! That’s what a renovation loan is here for!

Say goodbye to the days of falling in love with your dream property just to be let down by an outdated interior – there are options! If a home has good bones, we could look into a Renovation Loan to create your dream space and have the cost combined with your mortgage payment!

Message me today to learn more about your options!

NMLS # 2462652

10/01/2026

Feeling overwhelmed by the idea of buying a home in today’s market? You don’t have to figure it all out on your own. 🏡

I’m here to help you understand your options, answer your questions, and find a loan that makes sense for you.

If you’re thinking about buying, reach out to me to get pre-approved and let’s start the conversation!

NMLS # 2462652

09/30/2026

If you have been considering a move, fall is the perfect time! Fall buyers are seeing benefits that the summer market didn’t offer, including:

🍂 Less Competition

🍂 More Motivated Sellers

🍂 Faster Closing Times

🍂 Less Stress

If you’d be interested in learning more about a move this season, let me know!

NMLS # 2462652

09/23/2026

Buying a home is a team effort, and I’m here to help guide you every step of the way. From building a strong offer to staying ahead of potential surprises, having the right team by your side can make all the difference.

Better together and committed to making home happen! 🙌

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

https://www.southerntrust.com/davis-horbal/, http://www.nmlsconsumeraccess.org/

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