- Fixed Rate Mortgage: Southern Trust Mortgage offers fixed rate mortgages that provide stability and predictable monthly payments. This type of loan is suitable for long-term homeownership goals.

- Adjustable Rate Mortgage (ARM): With an ARM, borrowers can take advantage of lower initial interest rates for a specified period before the rate adjusts. This option is ideal for those planning to sell or refinance in the near future.

- FHA Loan: The Federal Housing Administration (FHA) loan program allows buyers with lower credit scores or limited down payment funds to qualify for home financing. Southern Trust Mortgage helps clients navigate the FHA loan process.

- VA Loan: Southern Trust Mortgage supports veterans and active-duty military personnel by offering VA loans. These loans provide favorable terms, including no down payment, low interest rates, and relaxed eligibility requirements.

- USDA Loan: Through the USDA loan program, Southern Trust Mortgage assists borrowers in rural areas who meet specific income and property eligibility criteria. This loan is designed to encourage homeownership in rural communities.

- Jumbo Loan: Southern Trust Mortgage provides jumbo loans for individuals seeking higher loan amounts than the conventional loan limits. This product accommodates luxury home purchases or refinancing large mortgages.

- Construction Loan: For those building a new home, Southern Trust Mortgage offers construction loans that cover the cost of construction and convert into a permanent mortgage upon completion.

- Reverse Mortgage: Southern Trust Mortgage assists eligible homeowners in accessing their home equity through reverse mortgages. This program allows seniors to receive funds while retaining ownership of their home.

- Refinance Options: Southern Trust Mortgage helps homeowners explore refinance options, including rate and term refinance, cash-out refinance, and streamline refinance, to potentially lower monthly payments, consolidate debt, or access home equity.

- Other Programs: Southern Trust Mortgage offers specialized programs tailored to unique situations, such as first-time homebuyer programs, renovation loans, and investment property financing.

Please note that the provided information might not be exhaustive, and it is recommended to contact Southern Trust Mortgage directly for more detailed program descriptions and eligibility requirements.