The Fowler Team

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The Fowler Team Lenders

Jerry Fowler
VP, Producing Production Manager
NMLS ID#: 35135
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Kelli Fowler
VP, Sr. Loan Officer
NMLS ID#: 35136
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About The Fowler Team

Rooted in Lake Oconee and built on more than 40 years of combined experience, The Fowler Team—led by husband-and-wife duo Jerry and Kelli Fowler—offers a uniquely personal and professional mortgage experience. Whether you're a first-time buyer, relocating to Georgia’s Lake Country, or investing in a second home, The Fowler Team delivers expert guidance, responsive communication, and a calm, confident approach that makes financing feel manageable. Backed by the strength and stability of BankSouth Mortgage, Jerry and Kelli specialize in conventional, FHA, USDA, second-home, and investment property loans. Their partnership offers clients the best of both worlds: Jerry’s strategic, solutions-driven mindset and Kelli’s empathetic, service-first care. Together, they’re known for building long-term relationships with both homebuyers and referral partners alike. Beyond the numbers, The Fowler Team is deeply engaged in the community. From volunteering with Make-A-Wish Georgia and Habitat for Humanity to leading industry boards and supporting local events, Jerry and Kelli embody the spirit of giving back. Their consistent recognition, from industry awards to client testimonials, reflects their reputation as trusted leaders in Lake Country real estate lending. With The Fowler Team, you're not just getting a mortgage, you’re gaining a team that truly cares about your homeownership journey and your long-term success.

Loan Support Team

  • Erin Vaughn
    Loan Officer Assistant II
  • Lori Abramson
    Processor

Reviews

4.9
Ratings
765
Total Reviews

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BirdEye.com
B
Barry Barth
Posted on March 4, 2026
5.0
Outstanding Service - thanks to the entire Fowler Team!
M
Micki Tanner
Posted on February 20, 2026
5.0
Jerry, Kelli and the Fowler Team could not have been easier to work with. I consider them great colleagues and more importantly, good friends.
Y
Yolande Williams
Posted on February 16, 2026
5.0
Jerry and his team were great to work with to help us navigate the mortgage process.
C
Cynthia Hodge-White
Posted on February 7, 2026
5.0
Y
Yvette
Posted on January 24, 2026
5.0
5⭐️’s - We’ve moved 10 times and by far the easiest financing we’ve ever had. Jerry was able to get our loan processed in 10+ days, during the holidays, and we closed on-time. He is communicative, professional and picks up his phone every time. Outstanding and thank you Jerry !!!
S
Stewart Richter
Posted on January 14, 2026
5.0
Jerry and his staff made the potentially stressful process of getting approved for a mortgage stressless.
S
Stewart Richter
Posted on January 10, 2026
5.0
Jerry and his team were great to work with. They responded to my calls and texts promptly and clearly answered all my questions. They made the process of getting my mortgage stress free.
A
AB C
Posted on January 9, 2026
5.0
Jerry and team worked hard throughout the process. Thank you
R
Roy Chandler
Posted on December 26, 2025
5.0
Five star service always with this group
S
Stephen Kaestner
Posted on December 21, 2025
5.0
Been with Jerry since 2005 and several mortgages later he is absolutely still our first call. He never disappoints and the customer service is way over the top!
k
kevin collins
Posted on December 20, 2025
5.0
Everything went extremely well and the process was simple to follow on the bank’s app. We appreciate Jerry and all the others behind the scenes for making this new home possible.
J
James Simpson
Posted on December 11, 2025
5.0
Very professional and personable.
C
Christine Tenley
Posted on December 9, 2025
5.0
The team was excellent to deal with at all stages and offered competitive pricing.
V
Vicki Hammerly
Posted on December 9, 2025
5.0
Our closing couldn’t have gone better!! Excellent start to our new life in GA!
J
Jessica Dawkins
Posted on December 9, 2025
5.0
Wonderful team of people! This was my first home-buying experience, and Jerry and his team made everything seamless and a breeze. Best in town!!!
T
Trey Daniels
Posted on December 8, 2025
5.0
It is always a pleasure to do transactions with this exceptional team of professionals! They are the best in the Lake Country area!
J
Jessica Dawkins
Posted on November 27, 2025
5.0
This was my first time buying a home Jerry and his team were wonderful they made the entire process seamless and amazing!!
C
Cheryl Price
Posted on November 22, 2025
5.0
Excellent
h
haprice3
Posted on November 20, 2025
5.0
D
David Hammerly
Posted on November 17, 2025
5.0
Jerry Fowler and his team provided excellent service and communication during the mortgage loan experience. The Bank South app was incredibly easy to use, making every task quick and hassle-free.
5
Ratings
2
Total Reviews

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c
connie gresham
Posted on July 8, 2023
5.0
Kelli Fowler and her team stayed in excellent communication throughout the entire process to get us to closing.
C
Charlie Martz
Posted on June 6, 2022
5.0
This is our third mortgage/loan with BankSouth and Kelli Fowler has been fantastic! Kelli and her team truly had our best interest in mind, she held our hand through the entire process and gave us advice not only as a lender but as a friend, too. She was in constant contact with us about the status of our loan. Kelli is knowledgeable, professional, and super easy to work with. This is what I love about small town banks.

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.

Multiple, standard mortgage options for qualifying homebuyers and homeowners.

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

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

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

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.

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

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

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?

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.

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

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

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

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

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

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

Apply Online

Download the App

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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.

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Telephone: (678) 551-7120
Toll Free: (833) 540-7120

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BankSouth Mortgage Company, LLC, NMLS #690971, is a wholly owned subsidiary of BankSouth, NMLS #688851, a federal savings bank and Member FDIC. BankSouth Mortgage Company, LLC, is not a bank or other depository institution and is not FDIC-insured. Alabama Consumer Credit License #MC 21415 DBA LoanSouth Mortgage.