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

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.

08/21/2026

Don’t let your buyer fall down the rabbit hole of a lazy lender. 🐰🕳️

The market doesn’t stop for the weekend—and neither do we.

Get in touch with an STM lender TODAY and make sure your buyers are WEEKEND READY with answers, numbers, and pre-approvals when they need them. 🏡🔥

Weekend showings need weekend-ready lenders. 📲

I’m so excited to celebrate over $3.9 million in loan volume this month!So much goes into every closing, and I’m incredi...
08/13/2026

I’m so excited to celebrate over $3.9 million in loan volume this month!

So much goes into every closing, and I’m incredibly appreciative of the clients who trust me and the referral partners who continue to support me. 💚

Feeling very lucky to do what I do and excited for what’s ahead! 🔑✨

27… damn, what a year. 🥹🤍Almost 60 pounds down.$25M President’s Club.98 families helped.An All-Star Award.Opportunities ...
08/11/2026

27… damn, what a year. 🥹🤍

Almost 60 pounds down.
$25M President’s Club.
98 families helped.
An All-Star Award.
Opportunities I never saw coming.
Jumped out of an airplane. 😂
Caught up with old and new friends, spent countless days on the water, traveled, laughed until I cried, loved my people hard and made some memories I’ll never forget.

There were long days, plenty of chaos, some hard lessons and a whole lot of figuring life out as I went.

But looking back at the last 365 days, I’m just really freaking grateful.

For the people who believed in me.
For a career I genuinely love.
For my health.
For my people.
For the experiences.
And for a life that somehow keeps getting better.

I don’t think I realized how much could change in one year until I looked back at 27.

What a privilege it is to get older when life is this damn good. 🥹🥂

Here’s to 28. 🤍

#

07/28/2026

POV: You thought you needed $20,000+ saved to buy your first home… 👀🏡

Here’s what I wish more first-time homebuyers knew:

Getting into a home with little out of pocket IS possible — but having the right team matters.

It starts with connecting with a lender who actually knows how to utilize grants, down payment assistance, first-time buyer programs, seller credits, and other resources to build the smartest path for YOU.

Then you pair that with an agent who knows how to negotiate and structure the contract to make those resources work together.

I’ve watched buyers go from “I don’t think I can afford to buy yet” to holding the keys to their first home. 🔑

Don’t count yourself out before you know your options.

Homeownership might be a lot closer than you think.

07/10/2026

“If it’s happening overseas, why should I care?”

Because global uncertainty can shake financial markets—and when investors react, mortgage rates often react too.

That’s why a headline from across the world can impact your monthly payment here at home.

Save this so the next time rates move, you’ll know why.

06/17/2026

Morning meetings at sign STM up! Thanks Nick’s for letting us crash!

06/09/2026

Over 100 real estate professionals joined us at the Delta Hotel for our Condo Seminar, and what a great afternoon it was! 🏢

With so many upcoming condo guideline changes, reserve requirements, insurance updates, and financing considerations, we wanted to make sure our agent partners had the knowledge they need to confidently guide their clients.

A huge thank you to everyone who took time out of their day to attend, ask questions, and invest in their business. The turnout was incredible, and it proves that education is still one of the most valuable tools in our industry.

We’re grateful for the opportunity to share, learn, and grow together. If you missed it, don’t worry we’ll have more classes and industry updates coming soon!

SouthernTrustMortgage

05/20/2026

🚨 REALTORS — if condos are part of your business this is a class you do NOT want to miss.

Major condo financing changes are here, and they’re going to impact approvals, HOA reviews, reserve requirements, insurance, delinquency limits, and even how much buyers can put down to “cure” issues.

Translation? Deals that used to work may not anymore. 👀

Join us June 3rd as Southern Trust Mortgage Condo Specialist Cheryl Young breaks down:

✔️ The new FNMA/FHLMC condo changes
✔️ What’s changing immediately vs. 2027
✔️ Why some condos may become ineligible
✔️ How these updates affect buyers, sellers, and agents
✔️ What you need to know BEFORE writing offers

PLUS waterfront happy hour, networking, and raffle prizes after 🍹🌊

📍 Delta Marriott – Virginia Beach
🗓 Wednesday, June 3
⏰ 3:00 PM – 4:30 PM

The agents who understand condo financing are going to stand out BIG over the next year. Be the one clients call when everyone else is confused. 👏

2025 President’s Club 💫I sat here for a minute trying to think of something polished to say… but that wouldn’t be me.Bec...
05/01/2026

2025 President’s Club 💫

I sat here for a minute trying to think of something polished to say… but that wouldn’t be me.

Because this year? It wasn’t pretty.
It was gritty. It was emotional. It was a whole lot of “we’ll figure it out” moments.

$25 MILLION.
98 families.
And a version of me that got built in the middle of the chaos.

Because let’s call it what it is…
$25 million doesn’t come from easy loans.
It comes from the files that make your stomach drop.
The ones that unravel… then somehow come back together at the very last second.
The ones people say “no” to… and you decide you’re not done yet.

There were nights I stared at my phone waiting for updates.
Weekends that didn’t feel like weekends.
Moments I questioned myself… and then chose to show up anyway.

Because this was never just about numbers for me.

It’s about the single mom who didn’t think it was possible.
The first-time buyer who needed someone to believe in them.
The families who trusted me in one of the biggest moments of their lives…

That’s what this $25M actually represents.

To every realtor partner and friend who put their name next to mine thank you. You trusted me with your people, and that means everything to me.

And to Wes Flowers you didn’t just teach me how to do loans… you taught me how to change people’s lives. You pushed me, challenged me, and believed in me long before I fully believed in myself. The last 4 years changed everything for me.

Also thanks to Meg… she absolutely crushed it for us this year every chaotic moment she kept me level headed.

3rd President’s Club trip… and it still doesn’t feel real.

But if you know me… you know it’s not stopping here.

2026 ➡️ $35 MILLION.

Let’s run it back.

04/23/2026

From slinging drinks AND placing… to pulling up in matching shirts like we had a strategy all along 😂⛳️

At the Tidewater Mortgage Bankers Association golf charity tournament:

Drinks were flowing
Swings were… questionable at times
But the FITS?? Unreal.

Somewhere between hole 3 and “one more round,” they decided we were athletes 🏆

Nothing more dangerous than a coordinated group of mortgage lenders with a little confidence and a leaderboard spot 😎

Address

295 Bendix Road #400
Virginia Beach, VA
23452

Telephone

+17576182948

Website

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