STM PARTNER P
POWERING GROWTH THROUGH BUILDER & LENDER COLLABORATION
LET'S WORK TOGETHER!
In today’s dynamic new construction market, aligning with a strategic lending partner is essential. At Southern Trust Mortgage, we specialize in supporting builders with marketing, financing strategies, and white-glove service to move more homes faster. This guide outlines our comprehensive builder support program designed to help you sell inventory, attract qualified buyers, and deliver an exceptiona e process.
MARKETING FOR GROWTH
STM PARTNER PROGRAM
TURNKEY MARKETING FOR MODEL HOMES, NEW COMMUNITIES, AND INCENTIVES
Leverage the power of digital platforms with our targeted online campaigns:
Promote new communities, spec homes, and incentive programs
Facebook/Google ads targeted at buyers seeking new construction
Dedicated landing pages for model homes or phases
READY TO MOVE INVENTORY AND GROW YOUR COMMUNITY FASTER? LET’S CREATE A CUSTOM MARKETING AND FINANCING STRATEGY THAT HELPS YOU MEET SALES GOALS AND BUILD STRONGER BUYER EXPERIENCES.
CONTENT & BRANDING CO-MARKETING CAMPAIGNS
Build credibility and engagement through high-quality content: Co-Branded Flyers & Brochures: Professionally designed materials for open houses and mailers.
Personalized Video Marketing: Short, engaging videos featuring both you and your STM loan officer.
Blog & Newsletter Features: Cross-promote on each other’s platforms to expand your audience.
GHOST WRITING, ANIMATED VIDEOS, QUICK REEL TEMPLATES, MATERIALS FOR YOUR LISTINGS CREATED WITH YOUR BRAND IN MIND.
EVENTS & NETWORKING
STM works hand-in-hand with builders to craft engaging events that attract buyers, build relationships, and accelerate sales.
Event planning strategy sessions
Custom flyers, signage, and digital invites
Paid ad support (Meta, Eventbrite, Google)
On-site lender support for pre-approvals
Post-event lead follow-up and analytics
PROPERTY FLYER
SOCIAL GRAPHIC SIGN IN QR CODE
WHETHER IN PERSON, VIRTUAL OR A GRAND OPENING- STM PROVIDES THE SUPPORT NEEDED TO MAKE EVERY EVENT SPECIAL & SUCCESSFUL.
DIRECT MAIL & TRADITIONAL MARKETING
Enhance your marketing mix with physical outreach:
Postcards & Mailers: Co-branded real estate updates, farming, prospect retention, and competitive market farming campaigns.
Door Hanger Campaigns: Target specific neighborhoods with a collaborative approach ex. Apartment Complexes.
Join the Client Connection Program: Homeowner retention program for closed buyers with special referral incentives for new buyers.
DID YOU KNOW THAT TRADITIONAL MARKETING HAS A LONG TERM IMPACT ON CLIENT RETENTION? MULTI-TOUCH & MULTI CHANNEL STRATEGY FOR HIGH ROI.
PREFERRED FINANCING SOLUTIONS
YOUR BUYER’S PERKS
PREFERRED LENDER PERKS
POWERFUL FINANCING TOOLS TO SELL MORE HOMES—FASTER
Partnering with Southern Trust Mortgage as your preferred lender means more than just loan approvals. It means unlocking exclusive financing benefits designed to support your sales goals, ease buyer concerns, and streamline the path from contract to close. With our tailored solutions, builders can offer real savings, increase buyer confidence, and keep deals on track no matter the market
LENDER CREDIT
We provide a 1% lender credit toward closing costs for every buyer who uses STM as the preferred lender maximizing affordability and helping you stand out in a competitive market.
SELLER PAID BUYDOWN
Help buyers ease into their mortgage with seller-paid temporary buydowns, including the impactful 3-2-1, 2-1, or 1-0 options lowering payments in the early years when buyers need it most
3-2-1 Buydown: 3% lower interest rate in year one, 2% lower in year two, 1% lower in year three then fixed for the life of the loan
Promote affordability while keeping your pricing intact
PREFERRED REFINANCE PROGRAM
When rates drop, your STM buyers get a head start with our Preferred Refinance Program, which includes:
Discounted lender fees
Streamlined approvals for past clients
Built-in customer loyalty for long-term retention
UPDATED RATES AND NEW PRODUCT OFFERINGS PROVIDED TO SITE AGENTS, AND BUILDERS WEEKLY.
SAMPLE WEEKLY RATE UPDATE
Bonds were higher again today helping with some losses from early in the week As expected, the Fed didn’t cut rates this week, but they did decide to change their balance sheet runoff What does that mean? It means they are only going to allow $5B per month in runoff vs. the previous $25B. They will now have to start purchasing at least $20B a month in treasuries starting next month. The market responded favorably to this news, and this is expected to continue. A few notables coming next week are New Home Sales, Consumer Confidence, Mortgage Apps, and Personal Consumption Expenditures(the Feds favorite measure of inflation). Have a great weekend!
Meet the Experts
Condo Specialist
Over 30 Years of Mortgage Experience
FHA DELRAP Certified
Works directly with Builders for Condo approvals
VA- Full project submissions; End Loan Reviews
Submissions reviewed in 24 Hours.
Credit Expert
Analyzes an average of 25 reports daily for rescores & pricing improvements.
Average rescore 72 Hours & 45 point score increase
Provides homebuyer seminars & continuing education for Realtors
Resolves issues directing with bureaus
income specialist
Self Employed Income Specialist
Reviews Tax Returns and determines income in 24 hours for timely approvals
Provides guidance for product placement to best fit the borrowers financial goals
Loan Product Spotlight
AGENCY GOVERNMENT, STATE BOND & Downpayment assistance
Seller/Lender Funded Buydown
HomeReady/Home Possible
FHLB Grant Funds Available
$17,500 1st Time Buyers
$20,000 Community Partners
Virginia Housing Approved Lender
Capital markets
Overnight Protection
Lock & Shop
Long Term Locks with Float Down
niche products
STM Signature up to 95%
Higher than Conforming Loan Amounts
ARM program with lower than market rates
NO LLPA
FROM THE TEAM OF EXPERTS, CREATING BUYING OPPORTUNITY TO THE OUT OF THE BOX PRODUCT OFFERING, STM PROVIDES CREATIVITY AND PERSONAL
WHITE-GLOVE SERVICE TO GET THE JOB DONE.
making home happen
