ATTRACTIVE HOME LOAN OPTIONS FOR DOCTORS & DENTISTS

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1 ATTRACTIVE HOME LOAN OPTIONS FOR DOCTORS & DENTISTS Sonabank customers who are MDs, DOs, or Dentists can now take advantage of special home lending options available through our lending partner, Southern Trust Mortgage. Through this great offer, you could finance up to $1 million for your new home with no mortgage insurance required. To see if you qualify, stop by your local branch today to speak with one of our Sonabank team members. To learn more call ) or visit us online at MD,DO & DENTIST

2 YOUR NEW HOME SHOULD COME WITH A GREAT RATE We believe our customers should love their home financing just as much as they love their new home. That s why we ve partnered with Southern Trust Mortgage. Southern Trust Mortgage s licensed loan officers work with you to find the home loan option with a rate that s right for your unique situation and that you ll love for years to come. To learn more, visit a Sonabank branch today. LOW RATES

3 FLEXIBLE HOME LOAN OPTIONS NOW AVAILABLE A FHA Loan is a great option for homebuyers in many different phases of life. Through our lending partner, Southern Trust Mortgage, Sonabank customers can take advantage of the lower down payment requirement and more lenient credit requirements that a FHA Loan may offer. FHA LOANS

4 HOME LOANS THAT HONOR YOUR MILITARY SERVICE VA Mortgages are available to service members, veterans and eligible surviving spouses. These loans do not generally require a down payment and do not require mortgage insurance. VA Loans are provided by private lenders and a portion of the loan is guaranteed by the Department of Veterans Affairs. Sonabank customers who have served honorably or who are now serving in the military may be able to take advantage of the more favorable loan terms offered with a VA Loan. VA LOANS

5 BUY YOUR DREAM HOME 5% DOWN NO MORTGAGE INSURANCE If you re looking to buy a home with a loan amount between $300,000 and $729,750, you should consider exploring the 5/5 ARM from our lending partner, Southern Trust Mortgage. While most jumbo loans require 20% down, this competitive program only requires 5% down with no mortgage insurance. That s a massive savings for Sonabank customers. 5/5 ARM LOAN

6 BUY YOUR FIRST HOME WITH CONFIDENCE Owning a home is an exciting step in your financial journey. And with so many options and programs available, you ll want the right team of professionals by your side during the process. Sonabank customers have access to friendly, licensed home lending experts through our partnership with Southern Trust Mortgage. Get your homeownership journey started today. NEW HOME LOANS

7 BUY YOUR FIRST HOME WITH CONFIDENCE Owning a home is an exciting step in your financial journey. And with so many options and programs available, you ll want the right team of professionals by your side during the process. Sonabank customers have access to friendly, licensed home lending experts through our partnership with Southern Trust Mortgage. Get your homeownership journey started today. NEW HOME LOANS

8 LIVE WELL IN YOUR GOLDEN YEARS WITH A REVERSE MORTGAGE A Reverse Mortgage is a financial tool that allows homeowners age 62 and older to access some of the equity in their home without ever having to make a monthly mortgage payment. This loan from our lending partner Southern Trust Mortgage, can convert a portion of your home s equity into tax-free money so that you can focus on the important things in life. REVERSE MORTGAGE

9 CONVENIENT HOME FINANCING FOR NEW CONSTRUCTION With a construction-to-permanent loan, you can combine your lot and construction financing in a single loan. When your home is complete, we ll simply modify your construction loan to a permanent mortgage. Enjoy all of this with the same competitive fixed rate during and after construction. Take advantage of this incredible program from our lending partner Southern Trust Mortgage. To learn more or discuss your options, NEW CONSTRUCTION

10 HOME LOANS WITH RENOVATIONS IN MIND Sonabank customers have access to Renovation Loans through our lending partner Southern Trust Mortgage. These programs are designed for buyers who want to finance the cost of home improvements into a new loan. If you re looking to buy a home that needs some repair, this may be the home loan you ve been searching for. To learn more or discuss your options, RENOVATION LOANS NMLS ID #2921 ( Southern Trust Mortgage, L.L.C. lends in the following states: D.C.(Lic #MLB2921), DE, GA(Lic #16579), MD, NC,

11 SAVINGS, IMPROVEMENTS OR ADVENTURES REFINANCING CAN TAKE YOU THERE As a Sonabank customer, you could gain access to extra cash from your home s equity by refinancing with our lending partner Southern Trust Mortgage. If you don t want to take cash out, refinancing to a lower interest rate could lead to major savings on your mortgage payment. No matter what your refinancing goals are, we have you covered. REFINANCING NMLS ID #2921 ( Southern Trust Mortgage, L.L.C. lends in the following states: D.C.(Lic #MLB2921), DE, GA(Lic #16579), MD, NC,