Scott Spencer - Digital Sales Manager - NMLS # 607867

Highly recommend Mr. Spencer and his team. Made everything happen as promised. Very happy.

Scott is very good at what he does and will help you answer any questions you may have and will answer your texts calls and emails very quickly. Im happy to have had him helping us on our first home purchase great guy!

As first time home buyers this was a great experience. Scott was easy to talk to, broke everything down for us to understand, and answer all of our questions. Scott made what I would have assumed to be a super stressful time to be smooth, he settled of a lot of our worries.

If it wasn't for Scott I don't think I could have gotten through the entire process. He was extremely helpful and I put me at ease when I had some questions and had to process paperwork. Buying a home is a lot of work and stressful but working with Scott and Jamie made the entire process a lot easier. I am very grateful for all their assistance.

Scott was always available when needed. Scott and his team did a great job of getting me everything I needed for a smooth closing. I would definitely recommend Scott for someone purchasing a home.

Scott is always an absolute godsend to work with. I will never use another person to work with for mortgages. He makes everything easy and has the clients best interest in mind, always.

Scott and his team were very responsive and explored all options to make the buying experience seamless. I will highly recommend Scott to anyone purchasing a home.

Scott Spencer with Southern Trust Mortgage made buying our home so easy! He answered ALL of my many questions, with thoughtful and easy to understand responses. He was easy to get in touch with, replied quickly, and their online application process was very easy to work with. I highly recommend Scott for anyone in need of mortgage financing.

I would work with Scott Spencer 1000x over. He made this process so seamless for me and ensured that I was informed every step of the way. Him and Jamie both were available when needed and worked diligently to get us to close on time! I really can not talk highly enough about Scott. I’ll never use anyone else!

My wife and I are forever grateful for Scott’s help! He was patient, knowledgeable, and had an incredible work ethic. He saw us from beginning to end, and made sure we were able to obtain our dream home. Whatever you do, you must use him as your loan officer. You’ll thank me later!

Scott was exactly what we needed: Smart and understanding. He was great about providing information and answers to my many questions! We never felt overwhelmed in this huge process and I have Scott to thank for that!

Scott was awesome to work with!

I met Scott through my real estate brokerage where I am a newly licensed agent in Virginia. My husband and I relocated to Hampton Roads area with the Navy. Although I have 23 years experience in the mortgage and real estate industry, I had never worked with a VA loan until my husband and I were purchasing our own home with a VA loan. Scott sent me a link to apply for a mortgage and we uploaded our documents on January 26th. On January 27th, Scott called to tell me that he had approved us for a loan. We began looking at properties that weekend and we were under severe time constraints as my husband was scheduled to ship out in March. If we were going to buy a house, we either had to do it now or wait until April. If we did not find something in April, our next opportunity would not happen until December due to deployment. Knowing the market would heat up in April and prices were likely to go up, we rushed the process. Scott was available over the weekend to answer my questions. I gave him a few addresses, he calculated the property taxes and purchase price to make sure we were within our limits. When I told him we were ready to make an offer, he sent the preapproval letter over. By Monday, January 30th, only 4 days later, we had submitted our offer and our approval letter and our offer was accepted! Scott would text me to ask if I was available every time he had a question or an update. He was diligent in follow up and helped me structure the loan and offer terms before submitting the offer. This allowed us to roll our closing costs into the purchase price, minimizing our out of pocket expenses. By February 22nd my husband was signing loan docs and picking up the keys to our new house. From the time I submitted our mortgage application and income documents to the time we closed and picked up keys it had only been 27 days. Scott took the time to listen to our needs, our timeline, and work with us to get the loan closed within a very short window. We had to move up our closing date in order to meet the move out requirements of our rental and in doing so Scott saved us an additional month's worth of rent. The level of Scott's communication, availability, and willingness to prioritize our needs made all the difference. With 23 years experience in the business, I know that in referring clients to Scott they will be well taken care of. Working with a lender like Scott will also help listing agents prioritize my clients offers over other agents offers. If you want a lender that can collaborate with you and give you peace of mind, I highly recommend working with Scott whether you are a buyer or an agent representing a buyer/seller.

I highly recommend Southern Trust mortgage Scott Spencer was amazing to deal with he is very professional and knowledgeable.he walked me through the process step by step and went above and beyond to make sure my home purchase went smoothly

Scott, you and Jamie were awesome and I appreciated all of your help, knowledge and support

Easy process, quick follow-ups, and always available to answer questions.

Scott and Jamie were amazing!

Always great to work with! Scott has helped me with eight house purchases, and I will always continue to use him and his team!

Confident in job performance. Acknowledge every worry and question we had through the house buying process and answered with great explanations.