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

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

Southern Trust Mortgage, LLC Equal Opportunity Lender. NMLS # 2921
https://nmlsconsumeraccess.org/

When it comes to buying, refinancing, or building a new home, homebuyers have a lot riding on their loan specialist. I am proud to specialize in many home loan programs including First-Time Home Buyers, FHA, VA, Conventional, New Construction, and Refinancing current loans. Ensuring that you make the right choice for yourself and your family is my ultimate goal. I am committed to providing my customers with mortgage services that exceed their expectations. Since market conditions and mortgage programs change frequently, you need to make sure you’re dealing with a top home loan professional who is able to give you quick and accurate financial advice.

09/14/2026

Playing the number game 🤔💭

Can they guess it? Watch and see!

09/11/2026

NEW Funded Friday with Pat loading…

09/08/2026

No loan officers were injured in the making of this reel.

…at least, we think they’re all okay. 🤔😬

09/04/2026

Welcome to Funded Friday. 🏠

After being in the mortgage industry for years, I’ve learned a thing or two about what makes the home loan process easier…and every Friday, I’m sharing those tips with you!

From getting pre-approved and understanding interest rates to navigating the mortgage process and avoiding common homebuying mistakes, I’m breaking down the things I wish every homebuyer knew. 🔑

Whether you’re a first-time homebuyer or a seasoned homeowner, my goal is to make mortgages easier to understand and help you feel confident throughout the process.

Follow along every Friday for my Funded Friday mortgage tips! 🏠 What should I talk about next?

09/02/2026

Not approved for a mortgage? That doesn’t always mean “never.” 🏡

Sometimes it just means “not yet.” And that’s where the right mortgage loan team can make all the difference. 👏

If you’re not approved, we can help you understand why, review your credit, look at your debt-to-income ratio, discuss income or employment considerations, and create a personalized game plan to help you become mortgage-ready.

Depending on your situation, that could mean:
✔️ Improving your credit score
✔️ Paying down certain debts
✔️ Correcting credit report errors
✔️ Exploring different loan programs
✔️ Adjusting your price range
✔️ Building a stronger financial profile
✔️ Creating a step-by-step plan toward pre-approval

Getting told “no” today doesn’t have to be the end of your homeownership journey. Let’s figure out what’s standing in the way and work toward getting you to “approved.” 🔑

08/25/2026

RIP to all of the deals that didn’t make it to the finish line.

Next time, you’ll listen to our advice (and use the PMM team). 😜🫶

Address

295 Bendix Road #400
Virginia Beach, VA
23452

Telephone

+17573906314

Website

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