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

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

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Loan Officer NMLS # 200234

Southern Trust Mortgage LLC, Equal Opportunity Lender NMLS # 2921 www.nmlsconsumeraccess.org

Andrew is proud to specialize in many home loan programs including first-time homebuyers, FHA, VA, and conventional loans. Currently, he is licensed in every Coastal state from NJ to FL, although his concentration is in his own back yard of Hampton Roads, VA. A Virginia Beach native, Andrew graduated from Cox High School and continued his education at Virginia Tech, where he received his Bachelors in Chemical Engineering – go Hokies! Andrew is known for his vast mortgage product knowledge and excels at advising his team of loan officers and clients. His focus this year is offering high-value client consultations in navigating the tedious underwriting and compliance requirements of today’s mortgage environment.

10/15/2026

Think you need 20% of the home’s purchase price saved before you buy? Think again!

NMLS # 200234

10/08/2026

A renovation loan can help qualified buyers purchase a home and finance eligible renovations as part of the mortgage.

Think of it as a way to look beyond what a home is today and see what it could become.

Have a home with potential in mind? Let’s talk about your options!

NMLS # 200234

10/01/2026

Don't let a little work scare you away from a home with potential.

A renovation loan may help qualified buyers finance eligible improvements and turn a house into something that feels like home.

NMLS # 200234

09/30/2026

Think there's only one way to finance your next home? Think again.

Depending on your circumstances, you may have options through conventional, FHA, VA, USDA, or other specialized loan programs.

The right financing strategy can potentially change how much you need upfront and how your monthly payment fits into your budget.

Ready to learn about which financing solution would work best for you and your goals? Connect with me today!

NMLS # 200234

09/23/2026

Buying in the fall means you could be settled into your new home just in time for the holiday season! 🍂🏡

If a new home is on your holiday wish list this year, I’d love to help you get started. Message me today to get pre-approved and let’s talk through what your next steps could look like!

NMLS # 200234

09/16/2026

Choosing the right people for your home team makes the biggest difference in your homebuying journey. As you're looking around to build your perfect home team, use these tips to help!

If you have any questions about your homebuying journey, message me today!

NMLS # 200234

09/09/2026

Buying a home shouldn’t feel overwhelming. The more you understand the mortgage process before you begin, the easier it is to make clear decisions.

Our goal is to help you create a plan to take the stress out of homeownership. Ready to develop a plan? Message me today to get started!

NMLS # 200234

09/07/2026

Happy Labor Day!
Thank you to everyone who helps make our day-to-day possible! Enjoy a much needed and well-deserved break.
https://myoc.io/af3VHTctA1t

NMLS # 200234

Address

295 Bendix Road
Virginia Beach, VA
23452

Telephone

+17573484177

Website

https://www.southerntrust.com/andrew-kellam/

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