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Abbitt Realty encourages you to research the wide array of lender options available to you for lending but we are pleased to present one of our lending partners, Southern Trust Mortgage.

At Southern Trust Mortgage, we're in the business of "making home happen". From the beginning, we've been committed to creating a home loan experience that we'd want to receive ourselves. As we continue to grow, we remain focused on guiding and empowering homebuyers from application to closing with clear and constant communication.

Meet Your Trusted Lending Team

Kylie Raffi built her career from the ground up, starting at Southern Trust’s front desk to one of the top producing loan officers on the #1 team in Hampton Roads. Known for her relentless dedication, deep program knowledge, and next-level communication, she’s mastered the art of making home happen, even for the toughest credit or financing scenarios.

 

Ben Lacey brings precision, speed, and a calm professionalism that clients and agents rely on. He ensures every loan is airtight behind the scenes, keeping timelines tight and surprises nonexistent. His attention to detail and commitment to accuracy means every file gets the five-star treatment.

 

Patrick Avery brings a long-standing career of excellence in mortgage lending, offering customized support to every buyer he works with. His passion serving the local community combined with his experience creates the perfect balance that builds trust and confidence with his clients. 

 

Together, Kylie, Ben, and Patrick create an exceptional, approachable, and unique mortgage experience that makes the process feel simple, strategic, and human. Whether you’re a first-time home buyer, a seasoned investor, or a veteran using your benefits, you can count on their team to deliver more than a mortgage, they deliver peace of mind.

 

💬 Fast responses. Flawless files. Fierce dedication.
That’s the experience you can expect working with Southern Trust.

Kylie Raffi

Mortgage Loan Officer

NMLS # 2233835

757-618-2948

kraffi@southerntrust.com

Connect with Kylie

Ben Lacey

Mortgage Loan Officer

NMLS # 2005162

757-912-2180

ben@southerntrust.com

Connect with Ben

Patrick Avery

Mortgage Loan Officer

NMLS # 1508062

757-274-9443

pavery@southerntrust.com

Connect with Patrick

Southern Trust Mortgage LLC, NMLS #2921 (www.nmlsconsumeraccess.org) lends in the following states: District of Columbia - #MLB-2921 | Delaware –#036386 | Maryland | North Carolina – #205483 | Pennsylvania –#94064| South Carolina | Tennessee | West Virginia –#ML-34191 | Virginia – #MC7387 | Florida – MLD #2151; Southern Trust Mortgage, LLC d/b/a Southern Residential Lending in the following states: Georgia –#16579 | New Jersey – Licensed by the N.J. Department of Banking and Insurance. By refinancing a consumer’s existing loan, the consumer’s total finance charges may be higher over the life of the loan. Equal Housing Lender.