---
canonical_url: https://lendb.ai/lo/john-bernhardt-2590402
json_url: https://lendb.ai/lo/john-bernhardt-2590402.json
nmls_id: 2590402
last_verified: 2026-10-09
---

# John Bernhardt

Mortgage Loan Officer at Southern Trust Mortgage, Virginia Beach, VA. NMLS ID 2590402 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/2590402)).

**Summary:** John Bernhardt (NMLS 2590402) is Mortgage Loan Officer at Southern Trust Mortgage, based in Virginia Beach, VA. Lists North Carolina and Virginia on the lender page (not yet checked with the state regulator). Focus areas shown on the lender page: Real estate investor. Last verified 2026-10-09.

## At a glance

- Earliest state license record: none on file. A record date from the state rosters we hold, not proof of continuous licensure or total experience.
- Licensed in: North Carolina (NC, lender_reported), Virginia (VA, lender_reported)
- License confidence: confirmed = state regulator roster; lender_reported = listed on the lender page only; federal_registration = inferred from a bank or credit union employer.
- Languages: not listed
- Profile: unclaimed
- Status: active

## Specialties

- **Real estate investor** (`investor`): lender page, confidence 0.85, verified 2026-10-09. Source: https://www.southerntrust.com/john-bernhardt/

## About

John is recognized as a leading professional in the North Carolina and Virginia market for mortgage financing. He specializes in VA, FHA, and USDA loan programs and is known for efficient, on-time closings and detailed file preparation.

Source: LenDb summary of the lender page, verified 2026-10-09.

## Facts from the lender page and intro

- service_area: North Carolina and Virginia markets. Source: https://www.southerntrust.com/john-bernhardt/, verified 2026-10-09.

## Licenses

| State | Type | Number | Status | Confidence | Issued | Source | Verified |
|---|---|---|---|---|---|---|---|
| NC | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-09 |
| VA | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-09 |

## Employment history

- ? to present: Southern Trust Mortgage (NMLS 2921), Virginia Beach, VA. Source: https://www.southerntrust.com/john-bernhardt/, verified 2026-10-09.

## Disciplinary history

Disciplinary history not yet checked by LenDb. Verify at NMLS Consumer Access: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/2590402

## Contact

- linkedin_url: https://www.linkedin.com/in/john-bernhardt96/ (source: lender_site, verified 2026-10-09)
- View profile at Southern Trust Mortgage: https://www.southerntrust.com/john-bernhardt/
- Office phone and Email on file: shown at https://lendb.ai/lo/john-bernhardt-2590402#contact after a quick human check (not available in this file, the API or MCP).

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/2590402
- lender_site: https://www.southerntrust.com/john-bernhardt/

Cite as: John Bernhardt (NMLS 2590402), Southern Trust Mortgage. LenDb.ai, https://lendb.ai/lo/john-bernhardt-2590402, last verified 2026-10-09.

_Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access._