Jean and her team where wonderful to work with. Everyone was very responsive to my questions, knowledgeable about refinancing and personable and patient as they guided me through a first time experience of refinancing my second home. They made the process easy to understand and to follow by providing clear directions on what documentation would be needed and by when. Their secure online portal was easy to navigate with document submissions. I couldn't be happier with my experience working with Jean and her team. Through their guidance I was able to lower my interest rate and monthly payment, include property taxes and insurance in escrow, and transition to more comprehensive insurace coverage at lower rate. I highy recommend Jean Hedges and her outstanding team at Southern Trust Mortgage.