Andrew Kellam- Loan Officer- Southern Trust Mortgage NMLS# 200234

07/17/2025

🌟 Andrew Kellam | Branch Manager. Mentor. Top Producer. 🌟

21+ Families Served in June

With decades of experience and a heart for service, Andrew leads by example. As a Branch Manager, trusted mentor, and high-performing producer, he continues to raise the bar for excellence in mortgage lending.
Whether guiding clients home or empowering the next generation of Loan Officers, Andrew brings clarity, consistency, and care to every step of the journey.
Proud to celebrate his leadership and lasting impact!

04/08/2025

2nd home financing with no points! Don't get caught up in paying unnecessary out of pocket cost to finance that vacation home!

01/10/2025

Incredibly honored to have been recognized as a top producer for December.
A heartfelt thank you to my clients for your trust and my referral partners for your continued support. Together, we’ve achieved great things, and I can’t wait to see what we can accomplish in 2025. Let’s make it an unforgettable year!

08/12/2024

Rolling out this excellent 2nd home program...close with ZERO POINTS! Financing available on 5/1, 5/5, 7/1 and 10/1 ARMS. Don't get stuck paying higher rates and points to finance that vacation spot!

08/12/2024

09/27/2022

With the recent rise in interest rates, many buyers are finding loan payments increasing to uncomfortable levels. Our 15/15 ARM product is still priced well below 30 year fixed pricing. The beauty of this product gives the buyer the comfort of knowing that their rate and payment is fixed for the first 15 years, giving them added flexibility wait for the next window to refinance. Eligible for loan amounts from $300,000-$729,750 with as little as 5% down and no PMI. Call me today for current pricing...you will be glad you did.

757-348-4177

10/13/2017

With all of the natural disaster devastation we have seen these past couple of months, the Guanacaste area of Costa Rica endured tremendous flooding from Tropical Storm Nate. Many local residents lost everything they owned. Tamarindo is a special place to us and this disaster pales in the notoriety of the Caribbean, Puerto Rico, Houston and Florida. Keep Costa Rica in your thoughts too. Pura Vida!

Imagine What It Would Be Like If You And Your Family Lost Their Home... That is what A LOT of families are dealing with in our area... The Hurricane Nate in Costa Rica was devastating and really displaced the poorest and vulnerable people in our community. These are working people who live a...

12/16/2016

The Federal Housing Finance Agency (FHFA) increased Fannie Mae and Freddie Mac loan limits from the 2007 $417,000 to $424,100 in low-cost areas, and up to $636,150 in high-cost areas. It’s been so long because the Housing and Economic...