Builder you trust. Lender you deserve.
Rocklyn Homes and New Construction Lending Experts, the Smith-Rhoades Team, have partnered to make the homebuying process fast and simple.
2325 Gees Mill Rd NE, Conyers, GA
1584 Old Salem Rd. Conyers, GA
1806 Flat Shoals Rd SE, Conyers, GA
Nic Smith, NMLS #1513238
Rebecca Rhoades, NMLS #754808
Address:
1960 Satellite Boulevard,
Sutie 4200
Duluth, GA 30097
Email: [email protected]
Phone: (678) 222-3970
Q: How do I get pre-approved for a new construction home with BankSouth Mortgage?
A: Start by completing our online application or contacting the Smith-Rhoades Team. We will walk you through every step, from documentation to closing.
Q: What types of mortgage loan programs are available?
A: BankSouth Mortgage offers a variety of loan programs, including Conventional, FHA, VA, and USDA loans. We have flexible mortgage options for non-traditional income buyers and provide options where you can choose your term. The Smith-Rhoades Team can help you choose the right one based on your goals and eligibility.
Q: Can I lock my mortgage rate early when building a home with Rocklyn Homes?
A: Yes. Ask the Smith-Rhoades Team about rate lock options available for new construction buyers and BankSouth Mortgage’s complimentary rate float-down.
Q: What credit score do I need to buy a home in Georgia?
A: A: Many homebuyers qualify with a score of 580 or higher. The Smith-Rhoades Team can review your full financial picture and help you understand your options.
Q: Are down payment assistance (DPA) programs available?
A: Yes. There are several DPA options available for qualified homebuyers in Georgia. Not all loan types are eligible for these programs. The Smith-Rhoades Team can help you understand which programs may apply based on your financial profile and home purchase goals.
Q: Is BankSouth Mortgage local to Georgia?
A: Yes. We are a Georgia-based lender with deep roots and extensive local expertise.
Q: What sets Rocklyn Homes apart in the Atlanta market?
A: Rocklyn Homes offers thoughtfully designed floorplans, family-friendly amenities, walkable neighborhoods, and a strong reputation locally.
Promotional Disclaimers: GA — *Terms and conditions subject to credit approval, market conditions, and availability. Limited funds available. Primary residence only. Contact Rocklyn Homes for a list of eligible properties. 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. *4.99% Interest Rate/ 5.91% APR based on FHA 30 Year Fixed, 96.5% LTV, Rate based on 700 credit score. Special rates available for scores 580+, $279,900 Purchase Price, $274,829 Total Loan Amount, $1596.63 Monthly Payment of Principal Interest and Mortgage Insurance. Example payment does not include escrowed property taxes and insurance or HOA fees. Total monthly obligation will be greater. Standard lender fees apply. Other LTVs and loan programs are available under this reduced rate offering. **Must make full loan application and have fully executed contract by 2/20/26. Loan must close by 3/11/26.
