Kylie Raffi - Loan Officer at Southern Trust Mortgage - Nmls# 2233835

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Kylie Raffi - Loan Officer at Southern Trust Mortgage -  Nmls# 2233835 Loan Officer- NMLS # 2233835
Southern Trust Mortgage, LLC Equal Opportunity Lender. NMLS # 2921

When it is time to buy, refinance, or build a new home, homebuyers have a lot riding on their loan specialist. Ensuring that you make the right financial choices for yourself and your family is my ultimate goal. Whether you’re interested in purchasing a first home, a vacation home, an investment property, or refinancing a current home, I am committed to providing my customers with mortgage services that exceed their expectations. At Southern Trust Mortgage, we provide many loan options and programs to best fit your individual needs.

10/30/2026

❤️ THERE’S STILL TIME TO DONATE! ❤️

A little goes a long way, and together we can make a BIG difference for families right here in our community!

We’re collecting toiletries and everyday household essentials to support local families through THRIVE Peninsula! 🧴🧼🪥

📍 DROP-OFF LOCATION:
Abbitt Realty – Newport News
11835 Fishing Point Drive, Suite 205
Newport News, VA

❤️ Just look for the RED BIN!

Whether it’s a bottle of shampoo, laundry detergent, toothpaste, or paper towels, every donation counts!

Let’s show up for our neighbors, Hampton Roads! ❤️

10/30/2026

Your BAH could be doing a whole lot more than paying rent!

One VA loan could be the start of a real estate portfolio, and YES, you can use your VA benefit more than once!

Stop sleeping on one of the BIGGEST financial benefits you’ve earned. Let’s talk about building wealth BEFORE retirement!

10/29/2026

NOT EVERY DENIED BUYER SHOULD BE DENIED. Hear me out.

Just because one lender couldn’t get it done doesn’t mean it can’t be done.

Sometimes it’s not the buyer. It’s the loan structure, the program, or simply someone not willing to dig a little deeper.

I’ve seen buyers get denied for things that had solutions. I’ve seen files that needed a little creativity, extra documentation, and a whole lot of patience.

Not every denial can be overturned, but every buyer deserves someone willing to look at the WHOLE picture before telling them no.

A denial from one lender is not a denial from every lender. 👏

And sometimes the hardest files turn into my favorite closings. 🏡

While y’all are looking for a CTC, I’m over here fighting for your buyer’s grant money like it’s coming out of my own ba...
10/28/2026

While y’all are looking for a CTC, I’m over here fighting for your buyer’s grant money like it’s coming out of my own bank account. 🤣👻

Another condition? Sure.
Another bank statement? WHY NOT.
Another explanation letter? At this point, just ask for my firstborn. 💀

This is the life of a loan officer who willingly chooses to do grants. 😂

Do they make my life 10 times harder? ABSOLUTELY.

Would I change it? Not a chance.

Because if a little extra paperwork means my buyers get to keep thousands in their pockets, I’m going to fight for every dollar.

So when you text me asking, “Are we CTC yet?”

I PROMISE YOU I’M WORKING ON IT. 😭🤣

I’m just over here fighting demons, deadlines, and grant conditions down to the last $50 deposit. 👻

10/27/2026

Your preapproval amount is NOT a spending challenge. 👀🏡

Just because you CAN afford the house doesn’t mean you should max out your budget to buy it!

Here’s something most buyers don’t realize…

On a $300,000 mortgage at 6.5%, making just ONE extra mortgage payment toward your principal each year could save you approximately $87,000 in interest and shave almost 6 YEARS off your mortgage! 🤯

SIX YEARS. GONE.

Sometimes the smartest financial move isn’t buying the biggest house you qualify for. It’s buying a home that gives you the freedom to build wealth beyond your mortgage payment.

As a lender, my job isn’t to tell you how much you CAN spend. It’s to help you understand what makes the most sense for your future.

Buy smart. Pay strategically. Build wealth. 🏡

Example assumes a $300,000 loan, 30-year fixed rate at 6.5%, with the equivalent of one extra principal-and-interest payment applied annually through monthly additional principal payments. Savings are approximate. Taxes and insurance excluded.

$30 MILLION FUNDED. 🎈🥹This week, I hit a milestone that means more to me than I can really put into words.Last year, I s...
10/23/2026

$30 MILLION FUNDED. 🎈🥹

This week, I hit a milestone that means more to me than I can really put into words.

Last year, I set a pretty BIG goal for myself: $30 million in a market that hasn’t exactly made our jobs easy. And here we are in October, with that goal already behind us.

But there is absolutely NO way I got here alone.

To Meg, my assistant, who deals with the chaos behind the scenes and keeps me sane (most days 😂). To Wes, who continues to push me, believe in me, and challenge me to be better. To my entire STM team, who helps make the impossible possible. And to my incredible referral partners who continue to trust me with the deals that aren’t always pretty. THANK YOU. ❤️

Here’s something I’m especially proud of.

Roughly 80% of my business comes from buyers who have already been told NO by another lender.

I don’t just take the easy ones. I take the complicated ones. The ones with bumps in the road, the ones that require a little creativity, a whole lot of patience, and sometimes a few late nights figuring out how we’re going to make it work.

And you know what? I wouldn’t change a thing.

Because behind every one of those tough files is a real person or family who deserves someone willing to put in the work.

Over 100 families helped and $30 million funded. That’s what I’m celebrating. Not just the dollar amount, but the people and stories behind it.

So what’s next for 2026?

More of the same. More tough deals, more problem-solving, and more families getting the keys they were once told they couldn’t have.

Because the easy deals are great, but the hard ones? Those are the ones I’ll always be proudest of. ❤️🏡

👻 Plot twist: The ghost is actually the least terrifying thing about adulthood.Mortgage rates? Manageable. 💅Your front c...
10/22/2026

👻 Plot twist: The ghost is actually the least terrifying thing about adulthood.

Mortgage rates? Manageable. 💅

Your front camera opening unexpectedly? A hate crime.

Your card declining with a line behind you? Immediate cardiac event.

Hearing “we need to talk”? Straight to the afterlife.

Moral of the story: Stop letting mortgage rates haunt you. Life is already doing a phenomenal job. 🌼🦋

10/13/2026

🚨 STOP NEGOTIATING JUST THE PRICE. START NEGOTIATING THE PAYMENT. 🏡💰

Everyone wants a lower interest rate, but what if I told you the SELLER could help lower your mortgage payment for the first TWO YEARS?!

On a $350,000 home, a seller-paid 2-1 buydown could mean:

💰 Year 1: Over $5,000 in payment savings!

💰 Year 2: Another $2,600 in savings!

🔥 That’s nearly $8,000 in payment relief over 24 months!

And NO, we’re not crossing our fingers and hoping rates drop so you can refinance. 🙃

The seller funds the temporary payment reduction upfront, and you qualify at your full interest rate.

BUYERS: Stop assuming the listing price is the only thing you can negotiate.

REALTORS: Stop leaving creative financing strategies on the table!

The best deal isn’t always the cheapest house. Sometimes it’s the smartest financing strategy. 👏

📲 Before you write your next offer, let’s run the numbers!

Address

295 Bendix Road #400
Virginia Beach, VA
23452

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