Norfolk, VA homebuyers: Meet Hemang Oza, your dedicated mortgage expert at Southern Bank and Trust Company. Navigating the mortgage process can be complex, but Hemang simplifies it. He offers personalized loan solutions and expert guidance to help you achieve your homeownership dreams in the Norfolk area. Available during business hours, 9 AM to 5 PM, Hemang provides comprehensive mortgage services tailored to your unique needs. Contact him today for a seamless and stress-free mortgage experience.