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 vacati

on 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.

Moving Milestones are common indicators that may mean a move is in your future. Swipe to see some of these common miles...
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 # 2462652

While eligibility for each program varies by program, there are options to help those in need. If you’re looking to buy ...
06/08/2026

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 # 2462652

Taking a moment today to remember and honor the brave men and women who made the ultimate sacrifice for our freedom. The...
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 # 2462652

Moving day is a very exciting time but depending on how much you have to move may make the process overwhelming and stre...
05/19/2026

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/davishorbal

NMLS # 2462652

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/davishorbal

NMLS # 2462652

Work with a team you can TRUST. If buying a home is on your radar, let us help you! Everyone’s financial situation is di...
05/05/2026

Work with a team you can TRUST.

If buying a home is on your radar, let us help you! Everyone’s financial situation is different, and our team is well-versed in a variety of loan products and scenarios that best fits your needs.

Message me today to start the conversation!
https://myoc.io/davishorbal

NMLS # 2462652

An Adjustable-Rate Mortgage (ARM) is a home loan with an interest rate that can change periodically after an initial fix...
04/27/2026

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 # 2462652

A rate lock protects your interest rate while your home loan is being processed. Once your rate is locked, it won’t chan...
04/20/2026

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/davishorbal

NMLS # 2462652

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/davishorbal

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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