Kelly Barnes - Loan Officer at STM - nmls# 1841372

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Kelly Barnes - Loan Officer at STM - nmls# 1841372 Kelly Barnes - NMLS 1841372
Southern Trust Mortgage LLC, Equal Opportunity Lender NMLS # 2921

Since market conditions and mortgage programs change frequently, it’s important to work with a skilled home loan professional who is able to give quick and accurate financial guidance. I am committed to providing outstanding customer service and helping you make an informed decision about the mortgage that will best suit your needs. Whether you’re purchasing a first home, subsequent home, a vacation home, or an investment property, I can provide you with numerous financing options for you to choose from. These commonly include VA, FHA, USDA Guaranteed Rural Housing, FHA 203K Renovation, and JUMBO loans to name a few.

Own a business and looking to purchase, but have a ton of questions? Start here! Have a question we didn't answer? We're...
10/22/2026

Own a business and looking to purchase, but have a ton of questions? Start here!

Have a question we didn't answer? We're here to help you make a home happen.

NMLS # 1841372

Being your own boss comes with plenty of perks, but getting a mortgage can sometimes feel a little more complicated. Th...
10/15/2026

Being your own boss comes with plenty of perks, but getting a mortgage can sometimes feel a little more complicated.

The good news? Self-employed buyers have options!

From understanding how your income is calculated to knowing what documentation you’ll need, having the right mortgage professional in your corner can make the process easier.

Your built the business. Now we can work together to make home happen.

NMLS # 1841372

If you’re self-employed and thinking about buying a home, there are a few things you should know before you start house-...
10/08/2026

If you’re self-employed and thinking about buying a home, there are a few things you should know before you start house-hunting:

✔️ Your income may be calculated differently than a traditional employee's

✔️ Tax returns and other financial documentation may be needed

✔️ Business expenses can impact qualifying income

️✔️The length and stability of your self-employment can matter

✔️ There are mortgage options designed to help most financial situations

The biggest piece of advice? Start the conversation early.

Understanding what you may qualify for before you fall in love with a home can help you shop for you new home with confidence.

NMLS # 1841372

Before you start house hunting, start with the right questions. 🏡 A mortgage is about more than just the interest rate o...
10/01/2026

Before you start house hunting, start with the right questions. 🏡

A mortgage is about more than just the interest rate or purchase price. Understanding your budget, monthly payment and down payment options can help you shop with a clearer picture of what homeownership could look like.

Save these questions for your next conversation with a mortgage professional!

NMLS # 1841372

Buying a home is a team effort, and I’m here to help guide you every step of the way. From building a strong offer to st...
09/30/2026

Buying a home is a team effort, and I’m here to help guide you every step of the way. From building a strong offer to staying ahead of potential surprises, having the right team by your side can make all the difference.

Better together and committed to making home happen! 🙌

NMLS # 1841372

The market may look different, but your goals are still worth pursuing. Stay consistent, keep showing up, and focus on w...
09/23/2026

The market may look different, but your goals are still worth pursuing. Stay consistent, keep showing up, and focus on what you can control.

If a new home is on your radar, contact me to get started!

NMLS # 1841372

One buyer may benefit from a seller concession. Another may prefer a temporary buydown. Someone else may prioritize keep...
09/16/2026

One buyer may benefit from a seller concession. Another may prefer a temporary buydown. Someone else may prioritize keeping more cash in savings or choosing a different loan program.

That's why your mortgage strategy should start with you, not a headline rate.

This fall, don't just ask, “Can I afford this home?” Ask, “What financing strategy makes the most sense for me?” 🏡

Connect with me to learn more!

NMLS # 1841372

Choosing the right people for your home team makes the biggest difference in your homebuying journey. As you're looking ...
09/09/2026

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 # 1841372

Happy Labor Day!Thank you to everyone who helps make our day-to-day possible! Enjoy a much needed and well-deserved brea...
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/g3ibye5yOLx

NMLS # 1841372

Address

1630 Military Cutoff Road #104
Wilmington, NC
28403

Telephone

+19102970448

Website

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