The Wagner Team

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The Wagner Team Lenders

Jan Wagner

VP, Producing Production Manager

NMLS ID#: 152431

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About The Wagner Team

The Wagner Team is led by Jan Wagner, a Certified Residential Mortgage Specialist® with over two decades of experience in the metro Atlanta mortgage industry. She caters to a diverse clientele, from first-time homebuyers to seasoned buyers and retirees, excelling in construction to permanent lending. Jan is a consistent recipient of the Mortgage Bankers Association of Georgia Top Producer Gold Award since 2006, recognized for her exceptional communication and personalized approach. Jan’s career in banking began in 1987, starting with managing retirement accounts and advancing through loan processing to origination. She later owned Canton Street Mortgage for a decade, earning the title of Broker of the Year in 2008 from the Georgia Association of Mortgage Brokers. In 2012, she joined BankSouth Mortgage and, after two years in Roswell, successfully launched the Milton branch in 2014. Her son, Jacob Wagner, joined the team in recent years, contributing his talents in the mortgage field to help provide every client with a smooth and stress-free loan experience. The Wagner Team is committed to providing expert advice, exceptional service, and a positive experience for you. Trust us for all your mortgage needs and let us be part of your journey.

Loan Support Team

Jacob Wagner
LOA & Processor Support
Margaret Mitchell
Team Processor

Reviews

4.9

Ratings

597

Total Reviews

Drew Bielfelt

Posted on May 4, 2026

5.0

When I was shopping for mortgage rates, Jan was the only one of five who actually sent a PDF with a breakdown of rates and costs instead of simply sharing over the phone. It was a level of transparency that was very reassuring and led me to believe that she would be the most professional of the group. I was not disappointed, as my assumptions proved true. I would certainly recommend Jan as a partner in the home buying business.

Renee Lipham

Posted on April 28, 2026

5.0

Jan Wagner was amazing to work with. She and her team went above and beyond to help us throughout the approval process and closing. We are so grateful to have had someone so professional and knowledgeable throughout. We cannot say enough positive things about Jan Wagner and BankSouth.

Renee Lipham

Posted on April 20, 2026

5.0

Jan Wagner and her team were extremely helpful and attentive throughout our entire mortgage process. I will highly recommend her to anyone needing mortgage assistance.

Kasey Pursley

Posted on March 3, 2026

5.0

Jan came recommended to us and did not disappoint! Amazing team to work with! Highly recommend. Efficient and kind. Couldn’t imagine working with anyone else.

Cara Inman

Posted on March 2, 2026

5.0

Jan and her team provide exceptional service and keep my clients informed at each step along the way. Always a smooth, stress free process!

Cary Marsh

Posted on March 1, 2026

5.0

Jan and her team communicate often, are efficient, professional and very responsive when questions arise that need answers. I highly recommend.

Pop Marsh

Posted on February 27, 2026

5.0

Jan and her Team were GREAT! They helped me through the process of applying for and getting approved for a mortgage. The process has changed allot since my last encounter with a bank or mortgage company 23 years ago. Using an app and updated technology we were able to complete applications and sign documents quickly and efficiently and at a time that was convenient for us. Communication was great and I was able to contact and ask questions when I needed too. Very responsive. I highly recommend.

Leigh Psaris

Posted on February 23, 2026

5.0

Jan was wonderful to work with! Made the process extremely easy and was available when needed to help clarify any issues that came up. We would recommend her to any of our friends and family!!

Nevordia Lowe

Posted on February 20, 2026

5.0

We had a wonderful experience working with Jan at BankSouth Mortgage. From start to finish, she made the entire loan process feel easy and stress-free. She was incredibly informative and took the time to explain everything clearly so we always understood what was happening. Jan was patient, helpful, and always available whenever we had questions — no matter how small. She made us feel confident and supported every step of the way. We truly appreciate her professionalism and dedication, and we would highly recommend her to anyone looking for a smooth and positive mortgage experience!

Nevi Lowe

Posted on February 20, 2026

5.0

Alice Sin

Posted on January 29, 2026

5.0

Jan is amazing, she is very prompt and helped me get a lower rate. She will make sure to get the ball rolling for the loan process ASAP! I would highly recommend her.

PJ Beidel

Posted on January 14, 2026

5.0

I highly recommend Jan and her team.

Nikki Grant

Posted on January 6, 2026

5.0

Jan and her team are 2nd to NONE. They were able to get me to the closing table in record time for 10 properties with the utmost professionalism and knowledge. Project 10 for the WIN!!!!

Matthew Brown

Posted on December 19, 2025

5.0

The are the best in the business. Great communication and super fast closing times. We have used them many times and it’s always a great experience. Highly recommended!!!

James Alfano

Posted on November 21, 2025

5.0

We have worked with Jan and her team 5 times now and we wouldn't contemplate working with anyone else for our mortgage needs.

Caleb Riso

Posted on October 26, 2025

5.0

Excellent job! Thank you!

Caleb Riso

Posted on October 24, 2025

5.0

5 STARS! This process can be difficult, but Jan made this easy. Thank you Jan and team.. we are super excited!

Brian Seifried

Posted on October 19, 2025

5.0

Working with Bank South Mortgage and Jan Wagner is truly professional experience and they are a testament to their profession. The entire team is knowledgeable, professional and very polite. They are always available day/night or weekends. I can't say enough about their depth of experience and thoroughness and professionalism. They are a full service team and a trusted advisor. Jan Wagner and Bank South Mortgage make my job easier.

Thor Goricki

Posted on September 24, 2025

5.0

Jan had a client with special loan needs and did a great job getting it through the finish line.

Casey Small

Posted on September 23, 2025

5.0

Jan worked so hard to get me approved for a mortgage when nobody could. Her efforts are greatly appreciated. I would highly recommend Jan Wagner and all the folks at Banksouth Mortgage.

The Mortgage and Lending Services You Need

There are a lot of different types of mortgages out there. Our job is to find you the right one. We’ll help you understand how your home financing works for you when you close and for decades to come.

Your mortgage isn’t far away. A customized mortgage plan puts you in control with down payments and mortgage payments that make sense for your lending needs. You can take the steps to this investment in your future.

It’s your life. It’s your future. We’re here to make it happen for you.

Conventional

Multiple, standard mortgage options for qualifying homebuyers and homeowners.

Construction

Create your dream home with a loan that provides funds to cover the cost of building or rehabilitating a home.

FHA

Mortgages insured by the Federal Housing Administration requiring lower minimum credit scores and down payments - especially popular with first-time homebuyers.

USDA Rural Housing

A USDA home loan helps low to moderate income families buy affordable homes in rural areas.

Refinancing

Replace your old mortgage with a new one to lower your rate, reduce your loan term, or cash out home equity.

Special financing for military veterans, service members, and surviving spouses offering favorable terms with options to buy, build, renovate, or refinance a primary residence.

Low to No Down Payment

VA loans, USDA loans, FHA loans and other options that help buyers finance their new home while putting less money down.

Jumbo Loans

For buyers considering higher-end properties – Jumbo loans can help provide the financing you need.

Renovation Loans

Want to fix up your existing home? A renovation loan gives you the funds to make those renovations updates to your home.

Mortgage Ready When You Are with ReadyLoan®

What can ReadyLoan® do for you?

Estimate what you can afford

Explore your mortgage options with calculators that help you understand how much you may qualify to borrow and what future payments might be look like.

Get preapproved for a loan

Ready to look for a home? A preapproval gives you – and sellers – confidence that you’re ready for the next step.

Easily Apply for Your Mortgage

Apply anytime and anywhere - from your phone or tablet. No waiting, No paper. No need to visit a loan office.

Securely submit, review and sign

Submit required documents and forms through our state-of-the-art app with our encrypted and secure portal.

Track your loan progress

Check the status of your mortgage and see what steps are ahead in the process.

Stay in touch

Securely communicate with your loan officer and agent if you have questions or need to provide other information.

Close quickly, enjoy your home sooner

Review your closing package and sign most documents prior to closing.

Apply Online

Download the App

Mortgages Don’t Have To Be Scary

Buying a home is a big deal. You deserve clear language, clear timelines, and clear expectations. At BankSouth Mortgage, we believe that your lender should be on your side.

We’ll make sure you feel comfortable with your choices, confident in your decisions, and informed every step of the way.

Learn how the process will work, meet the people you’ll be working with, and get the information you need to move forward.

What Happens After I Prequalify?

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Step 1

Initial Mortgage Consultation

When you begin thinking about buying a home, contact BankSouth Mortgage to get prequalified. A prequalification gives you an estimate of the size of mortgage loan you qualify for based on your credit history, income, and assets. At this time, your mortgage banker will discuss loan options, down payment requirements, and current interest rates. Simply follow this link to securely apply online. This will give your loan officer the preliminary information they need to determine your prequalification. This is also the perfect time to get set up with our electronic portal to make it easier to securely exchange documents and information throughout the mortgage process.

Step 2

Initiate Loan Application

Once you go under contract, we will provide you with an initial list of documentation needed to begin processing your loan. Quickly providing all requested documentation is essential to moving through the loan process without delays. Also, your BankSouth Mortgage expert will discuss locking in your interest rate and encourage you to get a hazard insurance quote from an insurance agent.

Step 3

Disclosures

Once we have a complete application, we will prepare a packet of disclosures for you to sign. Included in these disclosures is the Loan Estimate, which contains information on the cost of your loan. It is very important to review this closely and talk to your loan officer about any questions you may have. Revisions to your loan later on in the process may push your closing date back. It is extremely important for you to sign and return all disclosures within 24 hours from receipt. Any delay with returning your disclosures may delay your closing. Fees for your appraisal will be collected once we have received your disclosures and payment information.

Step 4

Estimated Market Value

Once you have received your Loan Estimate and disclosed your intent to proceed, BankSouth Mortgage will order your title work and appraisal. The appraisal process identifies the market value for the property. These generally take at least 10 days from the date requested to delivery. As soon as we receive the appraisal, we will provide you and your realtor* with a copy.

*We commit to providing timely and accurate information to your realtor when prior authorization is received from you.

Step 5

Loan Processing

Next, the loan moves to a loan processor, who reviews the file to ensure all the proper documentation is included. You may be contacted to provide any outstanding or additional items, and verifications of employment, etc. may be obtained. Once all the requested information is gathered, the loan will be passed on to underwriting so that a final determination can be made. By this point in the process, please try to limit changes to your contract to ensure a smooth closing.

Step 6

Underwriting

An underwriter will investigate the information in the file and make the final decision on the loan approval. Underwriting can take as little as one day and up to two weeks, depending on the type of transaction and market conditions. Because each loan is unique, it is common practice for the underwriter to request additional documentation to support what was submitted in the original file. We will notify you if additional items are needed, as well as when a final decision has been made.

Step 7

Review Your Closing Disclosure

A critical component of the loan process is YOUR confirming receipt by signing the Closing Disclosure (CD) a minimum of 3 business days before closing. This document further reviews the cost of your loan. BankSouth Mortgage makes every effort to send you this document with ample time to review. However, due to the often expedited nature of the mortgage process, you may receive this document close to the third day prior to closing deadline. As soon as you are able to review this document, it is imperative you sign and return it as quickly as possible. Signing only confirms your receipt of the CD. This integral step requires close communication with your lender to ensure an on-time closing.

Step 8

Closing!

Three days after you return your signed Closing Disclosure, you are able to close on your loan! Depending on the amount due at closing, you may need to send a wire to the closing attorney. At the closing, you and the seller will be required to sign the final loan closing documents. After the closing documents are signed, BankSouth Mortgage will wire funds for the amount of the loan to the closing agent. The closing agent will disperse the funds. The deed that transfers the title from the seller to you will be sent to the county in which the home is located to be recorded. You will receive the original deed once it has been recorded along with your owner’s title insurance policy if you purchased insurance at closing.