Steve Joyce - Southern Trust Mortgage NMLS 484244

Ensuring that you make the right choice for you and your family is my ultimate goal. And I am committed to providing my customers with mortgage services.

Coming this weekend!

Posting a little bit early...

2019 is almost here! New loan limits!

Just taking a few minutes...

Please be aware for the storm that's on the way!

4006 Timber Falls Ct, Houston, TX 77082 - 3 beds/2.5 baths

If you were looking for your dream home, you may have JUST missed it... check out the pics. (HARMLS) For Sale: 3 bed, 2.5 bath ∙ 1894 sq. ft. ∙ 4006 Timber Falls Ct, Houston, TX 77082 ∙ $179,900 ∙ MLS# 9985417 ∙ Unassuming 2 story home in the Timbergate gated community holds a special surprise ins...

Have a great weekend, everybody.

The 6 Pillars Of Summer Landscaping — Southern Trust Mortgage Summertime is the perfect season to show off your landscape and gardens, but let's not forget that soaring temperatures and frequent storms can wreak havoc on it as well...

Do You Really Need A Real Estate Agent In 2018? — Southern Trust Mortgage

Short Answer...YES. We're here to tell you that as tempting as it may be to forego an agent and try to find a home on your own, you'd be doing yourself a major disservice. Real estate agents are still imperative to a smooth home buying process and here are the reasons why...

6 Curb Appeal Projects That Make a Big Difference — Southern Trust Mortgage

Improving the looks of your home's exterior... You never get a second chance to make a first impression... That being said, it's pretty important to make a good first impression on potential homebuyers w

An Interview With Southern Trust Credit Expert, Mike McNamara — Southern Trust Mortgage

A service we provide that I have not seen elsewhere. A REAL FICO score expert to assist borrowers during the mortgage process. In early 2018, Southern Trust Mortgage took our commitment to offering the very best tools for success to our borrowers, loan officers and referral partners to the next level with the addition of VP Credit Officer, Mike McNamara. Mike is solely dedicated to helping our borrowers understand and resco...

7 Ways To Prep Your Home For Summer — Southern Trust Mortgage

A few ideas... The official start to summer is less than a month away (June 21st to be exact). Now is the perfect time to make sure your home is ready for the warmer days ahead… Outdoor Summer Prep Inspect Gutters Many people think that they only need to clean out their gutters in the fall, but spring …

Let's remember what this holiday is really about.

The 5 Most Common Mortgage Myths — Southern Trust Mortgage

It's good to know stuff. When making a decision as big as taking out a mortgage to purchase a home, you need to remember one thing…knowledge is power. With so much misinformation out there, it’s easy to get lost when navigating an unfamiliar process such as home buying. Don’t get caught up believing every story you he...

Summer 2018 Home Design Trends — Southern Trust Mortgage Summer can be the perfect time for freshening up a room or two in your home. And so far, 2018 has proven to be chock full of fun trends that will add a stylish touch to just about any type of house.

Top 10 Things Current Homebuyers Are Looking For — Southern Trust Mortgage

Check it out. Even in the midst of a ‘Sellers’ Market’, putting your home up for sale can be a daunting task. Chances are your home already has some great features you can highlight. However, making small upgrades and improvements will usually get your home sold faster and increase the value. To make things...

How Local Lenders Give You An Edge In A Hot Housing Market — Southern Trust Mortgage

A few words of wisdom... Shopping “local” has been all the rage in recent years…but why stop at clothes and groceries? Did you know that using a local lender for your mortgage can actually help you stand out in today’s increasingly competitive housing market? Here’s how… Knowledge of the Local Market & Local Rel...

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Your Perfect Summer Vegetable Garden — Southern Trust Mortgage Few things say Summer like the vibrant colors and crisp tastes of fresh veggies – and what could be better than being able to step outside and pick them ripe off the vine from your very own harvest? We know it’s still Spring, but this is the perfect time to explore your green thumb. Planning, .....

3 Steps To Selling Your Home With Social Media — Southern Trust Mortgage In these fast-paced days of the digital era, if you’re not using social media, you’re getting left behind. No matter what industry you’re in, you can benefit from the vast engaged audience that social media provides. This can come in especially handy when trying to leverage the potential of th...

My Friend Ramona Townsend Rember has this beautiful listing for sale with an Open House this Sunday. If you're in the market and in the area, drop by and check it out!

OPEN SUNDAY 1-4. 810 Melody Ct, Leesburg

Priority Approval at Southern Trust Mortgage — Southern Trust Mortgage

Our recently introduced process that gets a borrower full underwriting approval - in 1 business day after submission - before they write an offer! In the beginning of 2018, we set out to empower our partners and borrowers alike, with an initiative that provides the absolute quickest way to make the strongest offer. Thus, the Priority Approval program was born. Since then, Priority Approval has helped countless homebuyers and their agents make....

4 Tips for Navigating the Spring Homebuying Season — Southern Trust Mortgage IT’S THAT TIME AGAIN. THE SNOW HAS (ALMOST) MELTED AND THE SPRING HOMEBUYING FRENZY HAS BEGUN – AND ALTHOUGH IT MAY BE THE MOST POPULAR TIME TO BUY A HOME, IT IS DEFINITELY NOT THE EASIEST. So far in 2018 we’ve already seen a trend of record low listings (the lowest in three years actually), ....

Perks of Condo Living — Southern Trust Mortgage For many years, condominiums were viewed as a “last resort” home purchase, for those who couldn’t afford the traditional detached single-family home. Those days, along with those views, are long gone… In fact, most people aren’t aware that condos can actually be attached, freestanding, 1-s...

What Not To Do When Getting A Mortgage — Southern Trust Mortgage Starting the mortgage process can be equally exciting and daunting. You will find yourself hastily preparing all documentation needed and consulting with your loan officer on a pretty regular basis. While your loan application is being reviewed and moving towards approval, there are a number of thin...

Why Adjustable Rate Mortgages Aren't So Scary After All — Southern Trust Mortgage Adjustable Rate Mortgages are often an option many don’t want to touch with a ten foot pole. However, what you really could be doing is avoiding your very best option. Here’s why… Back before the financial crisis of 2008, Adjustable Rate Mortgages (ARMs) were pretty popular. In fact, they made...

Everything You Need To Know About Interest Rates — Southern Trust Mortgage

Here's a blog post I hope you find useful! We hear about them all the time, especially in recent weeks. So what's all the buzz about interest rates? ...And how much do they actually affect your mortgage loan

Steve Joyce - Southern Trust Mortgage NMLS 484244's cover photo


To the Greatest Generation, I say...

Happy Thanksgiving to Everyone! We all have a lot to be thankful for!

To all who served, we commemorate Veterans Day.

Steve Joyce - Southern Trust Mortgage NMLS 484244's cover photo

Steve Joyce

Timeline Photos

Southern Trust Mortgage

Buying a #home can be a complicated process. It is likely the largest transaction you will ever complete. It is important to understand all of the mortgage terms before you apply for a mortgage. This can give you confidence when you sign the papers on your first home.

The following are some of the most common terms you’ll come across when going through the process of choosing a #lender. 🏡

Go with Glenn - RE/MAX Select Properties, Inc.

Jobs coming to Northern Virginia! Amazon!

This is a big win for our area! #gowithglenn #remax #amazon


Check this house out - Nice, Michelle Orsinger Palomo ! Broadlands South with a very special lot & location!1/2 Acre lot! 5 Bedrooms & 4 Full Bathrooms on the upper bedroom level. Over 4,600sf just on the upper 2 levels, plus - Walk-out basement with full windows and patio doors that lead to the outdoor living space, brick patio along the full back of th...

Southern Trust Mortgage

For our increasing volume in the Maryland Mortgage Program

We are excited to announce that Southern Trust Mortgage recently won the "Rising Star" award from the Maryland Department of Housing and Community Development. Dennis Sullivan, VP/Regional Manager attended the event to accept the award.

The Maryland Mortgage Program Awards Breakfast honored the program's top-performing lender and real estate partners in 2016. The department announced 13 awards in six categories, recognizing the awardees' efforts to increase homeownership through the Maryland Mortgage Program.

STM has branches in Crofton, Ellicott City, Owings Mills, Solomons, Timonium, and Nottingham, Maryland.

Steve Joyce - Southern Trust Mortgage NMLS 484244's cover photo

Southern Trust Mortgage

Check out this blog post by one of my associates for a program that allows 5% down with NO Mortgage Insurance on loan amounts to $729,750!

"At Southern Trust Mortgage, we have a unique product and it’s by far one of my favorites! It’s a #JumboLoan that requires just 5% down for primary and second home purchases ($300,00 - $729,750 loan amount). The beauty is there’s NO Mortgage Insurance required and NO Additional Reserve Requirements!" - Bill Evans at Southern Trust Mortgage NMLS 197337

Read More:

Beautiful house in Potomac Station listed by Katherine Forno!


JUST LISTED in Potomac Station in LEESBURG!!!

43050 Kingsport Drive,
Leesburg, VA 20176

List Price: $639,000

Gorgeous and elegantly updated 4 bedrooms, 3 Full, 2 Half Bathrooms. An entertainer's dream!!! Full Daylight basement Featuring a full wet bar complete with an industrial wine fridge, dishwasher, theatre room with seating and projector/screen. Custom patio and deck overlooking mature landscaping!!! Hardwood floors, corian countertops, travertine tile, seamless glass shower enclosure in the Master bathroom suite. Spacious walk in closet in the Master bedroom with custom built-ins. Separate Princess Suite. This one won't last long!!!

Beautiful house listed by Katherine Forno!

Sunday, May 21st, 2017

Rarely Available, 1 of ONLY 6 homes with this Magnificent Golf Course and Goose Creek View!!

43757 Bent Creek Terrace,
Leesburg, VA 20176

List Price: $589,000

Beautifully appointed&rarely available Michael Harris constructed TH in the prestigious & gated community of River Creek.Dramatic views overlooking Goose Creek and 7th green. 3Bed/3 1/2bath. Gourmet kitchen with granite countertops and maple cabinets, stainless steel appliances. Floor to ceiling bay windows, stunning hardwoods & french doors that lead out to a large deck and that spectacular view!!!

Timeline Photos

4 bed / 3 full, 1 partial baths Townhouse in Ashburn for $527,000

My friend Mary Boyce Sleeter is listing this beautiful townhouse in Belmont Country Club!! Belmont CC-Lives like

Want your business to be the top-listed Finance Company in Leesburg?

Click here to claim your Sponsored Listing.




C/o SONA Bank 1 E Market St
Leesburg, VA
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680 Potomac Station Drive NE
Leesburg, 20176

David Boswell - Fairway Independent Mortgage David Boswell - Fairway Independent Mortgage
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Leesburg, 20147

David Boswell - Mortgage Advisor NMLS #1118442 Fairway Independent Mortgage Corporation - NMLS #2289

Anthony Barr - The Barr Group Anthony Barr - The Barr Group
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Leesburg, 20175

Anthony Barr - Senior Home Loan Consultant - NMLS #483887 ( Equal Housing Lender

Rich Young, NMLS: 1572889 Rich Young, NMLS: 1572889
1602 Village Market Blvd SE
Leesburg, 20175

I’m Rich Young, NMLS: 1572889, Loan Officer with PrimeLending, a national mortgage lender making the home loan process simple.

Anita L. Parris - Mortgage Loan Officer - NMLS # 1649725 Anita L. Parris - Mortgage Loan Officer - NMLS # 1649725
44160 Scholar Plaza, Suite 400
Leesburg, 20176

Whether you are interested in buying your first home or refinancing your existing home, I am here to guide you through the process.

Advance America Advance America
545 E. Market St., Ste C
Leesburg, 20176

OneMain OneMain
531 E Market St
Leesburg, 20176

Scott Jedlinski, Your Mortgage Banker -  NMLS 853077 Scott Jedlinski, Your Mortgage Banker - NMLS 853077
1602 Village Market Blvd SE Suite 330
Leesburg, 20175

Capital One Bank Capital One Bank
19301 Promenade Drive
Leesburg, 20176

Lawrie Vick NMLS #181846 - Loudoun Mortgage Lady Lawrie Vick NMLS #181846 - Loudoun Mortgage Lady
11350 Random Hills Rd, Suite 800
Leesburg, 20176

Premier Real Estate Financing in Virginia with a focus on Loudoun County. UHM NMLS #2229, NMLS 181846, MLO-2813VA. Equal Housing Lender.

Capital One Bank Capital One Bank
401 East Market St
Leesburg, 20176

101 Catoctin Cir SE
Leesburg, 20175