Maddy Armstrong - Home Loans

Madelyn Armstrong Loan Originator | NMLS #916952 The Cowart Team of NFM Lending [email protected] NFM's NMLS #2893 (

How cute is this home in Dinwiddie? Congrats to Shari who closed on this adorable cape last week! We were able to get her 100% financing and all of her closing costs covered! Thank you for your business!

I will be returning to work Friday the 13th, but in the meantime I’m soaking up some rays with my husband in Dominican Republic! Thank you for your business!

Amanda B in Midlothian, VA says: Thank you for all of your help and expertise!

To all my wonderful clients- be on the lookout for some exciting mail this week! So grateful to have helped you with your mortgage this year!!

What a way to end your week- closing on your first home 🏡 Congratulations to you, Lindsay! I am so happy for you and Jordan!

Lindsay is a community hero and serves as a firefighter for Henrico County which means she qualified for an $8,000 grant to go towards her home purchase loan. Thank you for your service - this is well deserved!

Had the best time at closing yesterday with these two! Congrats to JoAnn for closing on your new condo in the city. You were such a joy to work with! And shout out to my long-time friend, Kyle, for all of the hard work you put into this deal! Always a pleasure, sir!

Good morning! Yesterday was a great day to buy a home and that’s exactly what Sheilla and John did! I am so excited for you guys to be back in the city and I can’t wait to see what you do with the place! Congratulations and THANK YOU for the business!⠀⠀⠀⠀⠀⠀⠀⠀⠀
#congrats #newhome #homeowner #richmond #realestate #richmondrealestate #mortgage #lending #homeloan #loanofficer #moveinday #lowrates #southerntrustmortgage #STMRVA #homebuyers #home #prequal #closing #citylife #pizzadelivery #grocerydelivery

Ashleigh Kaye T in Rockville, VA says: Maddy was a joy to work with. This is the 3rd house that we have closed on in our marriage and this was by far the smoothest process. She was an excellent communicator and always made us feel like we were her only clients. We are so thankful for her guidance and will definitely be passing her name t...

Good morning! And happy Thanksgiving to you all! I woke up today feeling incredibly grateful and I’m ready to load up on some carbs!! I hope you get to relax and enjoy this day with family/ friends!

What a way to start your Thanksgiving holiday- closing on your first home! Congrats to A+D for buying your first house this morning. You guys crack me up 😂Thank you for trusting me to guide you through the home-buying process!
And shout out to @catenasrealestate for making this all happen!

Another adorable home is officially off the market! Help me in congratulating my clients, Terry and Karen, who closed on their second home in Richmond this past Thursday! I am SO glad we crossed paths- you two were rockstar clients! Thank you so much for trusting me with your home loan!

Emily N in Henrico, VA says: Maddy was amazing! She was so helpful and knowledgeable, always answering any question I had. Maddy made the home buying experience an easy one and I’m forever grateful for everything she did for me!

Happy Friday! Congratulations to my clients , D+B, who closed on their refinance this past Wednesday! We were able to save them over $700/ month AND they got almost $40k cash back to help pay for home improvements! How awesome is that? Thank you for your business D+B! ⠀⠀⠀⠀⠀⠀⠀⠀⠀
Rates are so low right now- if you or anyone you know may need some free estimates run to see if we can save you money- call at 804-305-2344!

B+K you bought a house! Congratulations 🎉 I’ve known Bryan since I was a teeny bopper serving tables at #Firebirds and it was so cool to work with him and @philipbissoon on this closing! Took me way back- it’s funny how things come full circle. I’m am SO excited for you B+K on buying this gorgeous home out in the country. Now, it’s time to get some chickens!

Over the 🌙 excited for my clients Christine and Chris, who close on their first home today! It’s clients like these that make my job so fulfilling- I appreciate your business and wish you the very best in your new home!

And thank you to @racheldallman_realtor for knocking this one out of the park! You are a ROCKSTAR!

I’m a day late, but that’s what happens when you fall victim to a stomach bug 🤢 I hope all you wonderful mothers out there had a great Mother’s Day weekend! You are the real MVP ❤️

Richmond Association of REALTORS

Good morning! ☀️ I am so excited today because C+E close on their very first home! They had a unique circumstance in which they both run their businesses out of their home so we needed to find the perfect home with a separate entrance. We head to the closing table this afternoon! Congrats to C+E and thank you for your business!

[05/08/19]   It’s a shame I didn’t snap any pictures from last night! What a fantastic evening. Congratulations to all of the top producing agents in town and to RAR for holding such a great event.


Richmond’s newest homeowners! Congrats to S+P for closing on your first home! I can’t believe that after a year of working together- we are finally here! And you were able to find the PERFECT house! Thank you from the bottom of my heart for letting me be a part of this wild ride.

Y’all... more good news is hitting your feed! Gabe and Kirstie close on their FIRST HOME today! I could not be more excited for them. They utilized our Priority Approval program where they got approved by underwriting prior to finding their dream home! This put them above the rest of the buyers who put offers in on this home. Less than 30 days later- we’re headed to the closing table! THANK YOU, Gabe and Kirstie, for your business and trust. Wishing you all the best in your new home! 🏡🥂


Congratulations to Lilian and Roger for closing on this stunning home in Church Hill. This house is one of a kind and a little piece of history built in 1852... #housegoals 🏡 I am incredibly honored to have been a part of this journey as we welcome you back to Richmond! Wishing you all the best in this next chapter of your lives!

Thank you to @michellerosman for all of your hard work to bring this to the closing table on time and with ease!

Cheers to the weekend, my friends! I’ll be around Saturday and Sunday if you have any clients who have mortgage questions or need to be prequalified! Call or Text: (804)305-2344 🌷

I’m all about promoting local businesses! If you’re in need of a new spa- Impulse Skin and Laser is the place for you! Located off 95 in Ashland, so it’s super convenient to get to. I cannot say enough good things about my friend Lauren, the master esthetician there. They are a full service spa- waxing, facials, tattoo removal and more!! Go check them out 🤗

Tattoo Removal Tuesday! Check out these results after just 2 treatments! We offer free removal consults and have the most affordable prices in Richmond. 804-723-2430 #impulseskinandlaser #lasertattooremoval #astanzaduality #tattooremovaltuesday #rvatattooremoval #rvaskincare

14300 Helmsley Rd

Check out this new listing in Salisbury! Who do you know looking for a 4BD, 2.5BA in a desirable neighborhood?

I can help run numbers for this home- just give me a ring at 804-305-2344!

Have a great weekend!

This is "14300 Helmsley Rd" by HD BROS. on Vimeo, the home for high quality videos and the people who love them.

Megan Napier- Napier Realtors ERA

The market is hot! And interest rates are down! Perfect time to get prequalified for a new home!

Thank you Megan Napier for including me on your Marketing Minute.

There has been a lot of buzz lately about mortgage interest rates, are they going up, down, staying same. Check out my latest marketing minute with local mortgage lender, Maddy Armstrong from Southern Trust Mortgage. Maddy is sharing her expertise on the loan process and good news on current interest rates.

The real estate market is hot 🔥 If you are considering buying a home this year, give Maddy a call to start the qualification process 🏡

Visit Richmond VA

Yes yes yes! BIG fan of Richmond! Will never leave this place I call home ❤️

The James River. Acclaimed restaurants. 30+ craft breweries. Hot music scene. Bike trails. Museums. A thriving creative culture. And oh so much more. It's easy to see why everyone keeps buzzing about Richmond. Come get to know us when you plan your next vacay in RVA!

mary l in ashland, VA says: Words don't do Maddy justice for how helpful, encouraging and patient she was with me during this loan process. She was always responsive and ready to answer any question I had. She listened to my concerns, and knew my priorities and comfort level with the loan and monthly mortgage payment I wanted....

14339 Kenmont Drive Midlothian VA 23113

Another beautiful listing that just hit the market today! This beautiful Georgian home has the space you’ve been searching for. You’re greeted at the front door by two spacious living areas and a formal dining room - recently updated with cabinet uplighting. The ample kitchen is joined by the casual family space, perfect for hanging out while cooking m...

In the market for a home in Glen Allen- low $200ks? This house is ADORABLE and will sell fast!!

🎊 BEAUTIFUL home just listed in Glen Allen!! 🎊

Listed in the low 200's‼️

🌟 Want to know more?? 🌟
🌟 TEXT "3119" to 613-707-0300 for more photos and info!!

4 bed, 2 bath Cape with gorgeous hardwood floors and a large back yard! 🏠

Clear View mansion hits the market at $4M - Richmond BizSense

Gorgeous home for sale!! Who’s got $4mil? Oh.. you need a lender? I know someone! 🤩 The former River Road estate of one of Richmond’s most philanthropic couples is up for grabs following a top executive’s exit from a local Fortune 500.

Happy First Day of Spring! The Richmond Real Estate Market is on fire! I have plenty of buyers who are looking for the perfect home. Good news- they are getting their offers accepted because they’ve already been submitted to Underwriting and have a full credit LOAN APPROVAL!! This puts them a step above the rest of the other bidders who just have a prequal letter. Our underwriting turn times are speedy fast at

Words cannot describe how happy I am for my client, Shawn! This morning, he closed on his first home! Shawn got THE HOOK UP- let me tell you how... with a VHDA loan, giving him 2% in down payment assistance. He also went through Housing Opportunities Made Equal and got himself another community grant to go towards down payment. And when you combine the two programs, we discount your interest rate by an entire percentage! #WHAT I’m so excited for you, Shawn!

How cool is that? Buyers right here in #RICHMONDVA have opportunities like this? Who do you know that is throwing money away in rent every month? I’d love to help them become a #homeowner!!

Thank you to everyone involved who helped bring Shawn to the finish line! Y’all are the real MVPs!

It’s closing day! Congrats to my client, Scott, who is finally closing on his first home! I am beyond happy for you- getting into this newly renovated home with 0% down.

Thank you to all who were apart of this closing! Real estate transactions aren’t always perfect, but when you have a great team to work with... it makes it THAT much easier to push through to the end for our buyer!

Southern Trust Mortgage

Hi guys! It's been a few weeks since our last market update. Following the MBS and economic trends is a pertinent part of my job. Rates are still super low compared to the second half of 2018, just in time for the Spring market!

For more information on interest rates- check out Hance in the video below. He is the smartest man I know, and I'm thankful he is a part of Southern Trust!

NEW Mortgage Market Update: - Get the latest mortgage industry news and analysis that you need to know from Southern Trust Mortgage's Head of Capital Markets, Hance Thurston. #capitalmarkets #mortgageindustry #loanofficers #personalfinance #creditandlending #mortgage #interestrates

Good morning ☀️Spring is in the air! Well, the Spring market. 🏡 It’s still 28* outside in RVA. •
I sat down with a couple yesterday and we discussed self-employment income, first time buyer options, and their specific needs for their new home given they will be running a company out of their new house. •
So, what is it that you have to have in your new home? •
For me, it’d be this stunning WHITE closet with hardwood floors. This just speaks to me! •
Comment below on some of your must haves!

Congratulations to my buyers Taylor and Alexandra for closing on your first home this past Thursday! I’m so excited that you guys found your fully renovated DREAM home! Wishing you all the best in your new home! Thank you, from the bottom of my heart, for allowing me to be a part of your journey!

Anna- you did it! Congratulations on becoming a homeowner! I’m so proud of you!

Anna is a first time buyer who was eligible for free grant money from @vhdahousing - do you know anyone else who is a first time buyer and could use Down Payment Assistance? Let me help!

Who’s ready for Spring?? 🙋🏼‍♀️ I’m ready for sunshine, flowers, porch nights and new homebuyers!

Reasons to meet with a local lender:
1. I can help set realistic expectations
2. You can still shop around
3. It helps catch the sellers eye when writing an offer
4. You’ll get paperwork finished early
5. Helps you understand the terms of programs available to you like: #interestrates #pmi #downpayment #closingcosts #prepaids

Tag a friend below who is still renting and who could benefit from a free consultation with me! #locallender

Wow- these words from a client mean so much to me. It is my goal to make a difference in their home buying experience! It was such a pleasure to work with you, Katy and Kevin!

Year in review- proud to be a part of the #SouthernTrustFamily

52 Astonishing Facts You Never Knew About U.S. Presidents

Happy President's Day! Here are some fun facts about our past presidents! Which president enjoyed skinny-dipping? Which one befriended his burglar while in office? Presidents are people too, and they have been wild, wonderful, and just plain weird.

On this gloomy Monday I leave you with some wise words from Paul, Sr. #getpreapproved

Yes, it’s very important to get PRE-APPROVED!!!
#movewithmurphy #onpointe

Congrats to my clients who bought their first home this past week! They scooped a BEAUTIFULLY renovated home in Northside. They were also lucky enough to get 2% in FREE down payment assistance through VHDA. Oh- and we closed a week early! Can every deal be this sweet? 🍩🍭🍬🍫

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Videos (show all)

5 Documents You'll Need to Buy a Home




4121 Suite #118 Cox Road
Glen Allen, VA
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