Rabun Lending Team

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Rabun Lending Team Lenders

Alan Rabun
VP, Producing Production Manager
NMLS ID#: 1060854
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About Rabun Lending Team

The Rabun Lending Team is a seasoned mortgage team with over 21 years of collective experience in the industry. Consistently ranking as one of the top lending teams in Georgia, our success stems from our extensive knowledge of financial products, ensuring that we always surpass your expectations. Our years of hard work and dedication have rewarded us with the privilege of being the preferred lender for some of the largest builders and real estate agents in our community. Our vast network and years of experience make us capable of handling a wide range of transactions, from purchasing your first home to investing in properties, buying land, or even building your dream home. The goal of every transaction is to have both our clients and agents leave the closing table with a smile, expressing how simple the lending process was and how our team provided exceptional communication and service, even during late nights and weekends. Our journey has been marked by recognition, including multiple Gold, Platinum, and Diamond awards from the Mortgage Bankers Association of Georgia. In 2022, we had the honor of being named the Best Mortgage Lender by the Home Builders Association of Greater Aiken-Augusta Region. Throughout our careers, we have also been privileged to be part of various Chairman's and Presidents' clubs. "Our goal is to enhance the lives of each and every client by acting with professionalism, respect, integrity, dedication, and excellence."

Loan Support Team

  • Riley Anne Rabun
    Loan Officer Assistant
  • Patti Plummer
    Team Processor

Reviews

5
Ratings
93
Total Reviews

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B
Brooke Jefferds
Posted on October 28, 2024
5.0
L
Linda Blessing
Posted on September 11, 2024
5.0
We had so many extra problems for the team to work through!!! GREAT JOB!!!
R
Russell Marra
Posted on September 3, 2024
5.0
Due to my career I've had to move numerous times, Alan and his team are hands down the best mortgage team that I've ever worked with.
C
Christopher Williams
Posted on August 28, 2024
5.0
We had a great experience with Alan and his team. I would highly recommend them to anyone looking in a home purchase.
N
Nico King
Posted on August 14, 2024
5.0
Alan and his team, Riley and Patti did an excellent job with helping me purchase my home. They were thorough and helped save me a lot of time and money in the process. There were a few obstacles I presented to them, but they made sure we had everything taken care of and closed on-time. I can't thank them enough and I am extremely happy with their hard work and dedication to getting the deal done.
C
Chrystalyn McDaniel
Posted on August 10, 2024
5.0
Could not have asked for a better experience! There was excellent communication between us and the loan processors that made the whole process as smooth as possible. Definitely recommend!!
L
Laura Walker
Posted on July 2, 2024
5.0
Professional, Prompt, and great communication throughout the transaction!
C
Candace Riddle
Posted on June 6, 2024
5.0
Hands down one of my favorite lenders to recommend to my clients! Always 5 star service!!
N
Nicole Mann
Posted on June 1, 2024
5.0
Alan was so amazing to work with!! He was always easy to contact, and answered my hundreds of questions (even on nights or weekends!). He gave us every option available, and was able to lock in the rates and payment we were hoping for. This loan was so much easier than mortgage loans in the past, and I'm so glad we had a hometown lender to work with. Don't plan on purchasing ever again, but if we do Alan will be our guy!
J
Jamison Jeter
Posted on April 20, 2024
5.0
I've purchased several homes and no one has come close to the attentiveness and resourcefulness of Alan and their BankSouth team. If I ever choose to refinance or speak with anyone looking to purchase a home, Alan Rabun's team is the only option as far as I'm concerned. They made the entire process seamless.
J
Jaime Hembree
Posted on April 14, 2024
5.0
Excellent, friendly communication. Very efficient flow of loan process. Alan and team are fantastic to work with. Would highly recommend to others.
G
George Hembree
Posted on April 14, 2024
5.0
Thank You!
M
Michael Joseph Mekha Gerges
Posted on April 10, 2024
5.0
Helpful Team and great experience
M
Micah John Long
Posted on April 10, 2024
5.0
Alan is a great communicator and responds very quickly to both calls and emails. He took a great deal of time talking me through the process and explaining all of my options. Very straightforward and efficient. I would definitely use him again in the future.
R
Richard Barden Jr.
Posted on April 7, 2024
5.0
Alan answered at any time I decided to call and always had a answer for me fast. I was very impressed with him answering even tho he was at his kids ball game and still got me information relatively quickly I will definitely use him again
K
Kathleen Gurley
Posted on April 6, 2024
5.0
Alan was amazing to work with! His communication was fantastic so we knew exactly where we stood in the mortgage process. I can’t recommend Alan enough!
D
Debby Dixon
Posted on April 5, 2024
5.0
The people that I delt with.
A
Alec Delapena
Posted on January 7, 2024
5.0
Knowledgeable and always willing to give guidance in the loan process
D
Daphney Wade
Posted on December 30, 2023
5.0
Everyone was fantastic! They answered all my questions and sometimes even answered them before I could ask! They are very knowledgeable and make sure you have everything you need to take care of business quick and easy. 100% recommend everytime!
M
Matthew Wright
Posted on December 28, 2023
5.0
Working with Alan and his team was grade. This highly professional team made the lending process easy

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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