Home Mortgage Loans with ReadyLoan®
Enjoy a simpler mortgage process that blends smart technology and personal support.
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 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.
ReadyLoan® from BankSouth Mortgage is an all-in-one digital app that makes your part of getting a mortgage easy. Whether you’re a first-time homebuyer, a current homeowner looking to refinance or purchase again, or a real estate agent with clients ready to buy, the ReadyLoan app makes the loan process simple and convenient. Of course, our local loan officers are always nearby to guide you through our stress-less, no-surprises process.
Ready to go?
Homeowners Love Us. It’s Mutual.
You love where you live; we do, too. Buying a home is about more than a loan. It’s about life. It’s about being with each customer we serve, every step of the way, building and encouraging sustainable home ownership and thriving communities. One mortgage at a time.
We think that type of commitment sets us apart; so, do our customers.
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Mortgage Loan Options
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.
VA
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.
More About Mortgages
You’re not just financing a home. You’re building a life. Here’s the support you need to make the best decisions.
Calculators
Get the facts and figures to give you more borrowing knowledge or confidence. Estimate payments. Explore options. Plan for your goals and more.
Frequently Asked Questions
You have questions; we have answers. Many borrows have similar questions about mortgages, borrowing and finances. Here’s some of the questions we hear most often... and our answers.
Education Center
Our Blog for homebuyers, realtors, builders and more – insights to smooth the mortgage and home purchase process.
Mortgage Loan Calculator
BankSouth Mortgage Company, LLC, NMLS #690971 is not a bank or other depository institution and is not FDIC-insured.
BankSouth Mortgage Company, LLC is a wholly owned subsidiary of BankSouth, NMLS #688851, a federal savings bank and Member FDIC.
Alabama Consumer Credit License #MC 21415 DBA LoanSouth Mortgage.