Pat Miller Mortgage- Loan Officer at Southern Trust Mortgage NMLS# 698968

06/08/2026

Look, we’d love to hit the “ask manager” button the way retail employees do when someone wants a discount, but unfortunately mortgage preapprovals don’t work like that. 🏡

Your mortgage loan preapproval is based on things like income, credit, assets, and debt…not how nicely you ask (or how much we like you).

The good news? We can help you understand what impacts your buying power and what steps may help you qualify for more in the future.

Thinking about buying a home in Hampton Roads? Let’s see what you qualify for and get you on the path to homeownership. 👊

06/05/2026

06/03/2026

Get your head out of the gutter. 🫠

Of course we meant pre-approvals.

Every day, we work with first-time homebuyers, growing families, military families, and homeowners throughout Hampton Roads to turn “Can we buy a house?” into “When do we get the keys?”

A mortgage pre-approval is often the first step toward homeownership, and there’s nothing we love more than helping our clients understand their options, build a plan, and confidently move forward.

When you win, we win. That’s why we’re committed to making the home loan process as smooth and stress-free as possible.

06/01/2026

Word on the street is that he is still waiting on those docs. 🤪

In all seriousness, the faster you send in your documents, the smoother the process tends to be. Delays in receiving paperwork can slow down underwriting, impact closing timelines, and create unnecessary stress for everyone involved.

When you’re buying a home, every document plays a role in keeping your loan moving forward. Bank statements, pay stubs, tax returns, and other requested paperwork help us verify information and meet important lending deadlines.

Our goal is to make your home loan experience as seamless as possible, and timely communication is a huge part of that. We’re always here to answer questions and help you understand exactly what’s needed to get that pre-approval done quickly. 👊

05/26/2026

Most people think being a mortgage loan officer is just approving loans and showing up at closing… but behind the scenes, we’re reading credit reports, bank statements, tax returns, pay stubs, and about 47 other documents to help get our clients to the closing table.

Buying a home in Hampton Roads is a huge deal, and our goal is to make the mortgage process feel a whole lot less stressful and a lot more understandable. Whether you’re buying your first home, using a VA loan, or refinancing, we’re here to walk you through it every step of the way.

Thinking about buying a home and not sure where to start? Give us a call (757) 390-6314 and we’ll help you understand your options, answer your questions, and get you pointed in the right direction.