BankSouth Mortgage Celebrates the 2025 Circle of Excellence Winners

BankSouth Mortgage is proud to recognize and celebrate our 2025 Circle of Excellence winners—an…
A woman sits at a kitchen table reviewing paperwork while holding a coffee mug, with a notebook and phone nearby in a bright, modern home.

National Home Warranty Day: What Every Homebuyer Should Know Before Closing

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Each year on February 10, National Home Warranty Day serves as a timely reminder for homebuyers…

The Fowler Team Named #1 Lender in BankSouth Mortgage’s 2025 Circle of Excellence

BankSouth Mortgage is proud to recognize The Fowler Team, led by Jerry and Kelli Fowler, as…
Young couple unpacking boxes in their new home, symbolizing a hopeful start to homeownership.

Low or No Credit Score? You May Still Qualify for a Mortgage

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A Big Change That Could Help You Qualify For A Home Loan Have you ever been told you couldn’t…
Real estate agent showing a home to a young couple with a baby, discussing mortgage options

How Real Estate Agents and Builders Can Help More Clients Get Approved with Flexible Loan Solutions

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Not every buyer fits the traditional mortgage mold, and in today’s shifting market, you can’t…

Carol Schretter to receive Georgia DCA 2025 Homebuyer Advocate Award

BankSouth Mortgage loan officer Carol Schretter has been selected for the Georgia Department…
Self-employed woman reviewing bills and bank statements at home with laptop and calculator while preparing for a mortgage application

How to Get Mortgage-Ready When You’re Self-Employed

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Many self-employed borrowers assume they can’t qualify for a mortgage without W-2s, but that’s…

Mortgage Recast: A Smart Way to Lower Your Payment After You Sell

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Picture this: your agent wants your current house spotless and staged so you can snag a top-dollar…

Kim Nelson Named to HousingWire’s 2025 “Women of Influence” List

BankSouth Mortgage is proud to announce that Kim Nelson has once again been recognized by HousingWire…

First-Time Buyers Surge in 2025: What 58% Means for Gen Z, Millennials, and the Market

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The Next Generation of Homebuyers Is Here—and They’re Making a Statement First-time homebuyers…

Fowler Team Honored as #1 Lender of 2024 at BankSouth Mortgage and Lake Oconee Country Board of Realtors’ Affiliate of the Year

In a remarkable year marked by excellence and community engagement, The Fowler Team at BankSouth…

BankSouth Mortgage’s Savannah Branch Voted “Best Mortgage Lender” by Readers of Best of Savannah Homes

BankSouth Mortgage is proud to announce that its Savannah branch has been voted “Best Mortgage…

Cleveland Miller Honored as 2024 Business Partner of the Year by the Athens Area Association of Realtors

BankSouth Mortgage proudly congratulates Loan Officer Cleveland Miller on being named the 2024…

Celebrating Excellence – Keith Spain Named Among Who’s Who in Atlanta

At BankSouth Mortgage, we pride ourselves on empowering individuals and families to achieve…

Unlocking Homeownership: Simplifying the Mortgage Process with ReadyLoan®

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ReadyLoan®, a digital mortgage platform by BankSouth Mortgage, is revolutionizing the home…

The Pros and Cons of Private Mortgage Insurance (PMI)

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At BankSouth Mortgage, we understand that the path to homeownership is different for everyone.…

Tips for Securing the Best Mortgage Rates

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Securing the best mortgage rate can significantly impact your home-buying journey, potentially…

Mortgage 101: What Every First-Time Homebuyer Needs to Know

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Welcome, future homeowners! At BankSouth Mortgage, we understand that buying your first home…
Group photo of BankSouth Mortgage employees celebrating at the 2024 Cyber City Awards Ceremony. From left to right: Mac Cregger, Debra Taylor, Riley Rabun, Alan Rabun, Cyndi Eber, and David Godwin.

BankSouth Mortgage Augusta Named “Best Mortgage Lending Company” at Cyber City’s Best 2024 Community Choice Awards

BankSouth Mortgage is delighted to announce that its Augusta branch has been honored as the…

Gen Z and Millennials Making Waves in the Housing Market

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Dreaming of owning a home? At BankSouth Mortgage, we believe in your vision. Despite market…

Building Wealth: The Homeownership Advantage

When it comes to financial growth, the decision between renting and buying a home is a pivotal…

Navigating New Construction: Insights & Opportunities in Today’s Market

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Are you considering building your dream home? Navigating the new construction landscape can…

iBuyers: Turning Dream Home Purchases into Reality with Speed and Simplicity

In the dynamic realm of real estate, a game-changing trend has emerged, offering prospective…
You-Can-Challenge-Inaccurate-Appraisals

You Can Challenge Inaccurate Appraisals

Accurate appraisals play a crucial role in maintaining the integrity of mortgage lending, the…

Unlocking Affordable Homeownership with Lender-Paid Buydowns

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For those looking to buy a home, understanding the various mortgage options can feel overwhelming,…

Interest Rates vs. Homeownership: The Resilience of Real Estate

For many prospective homebuyers, the allure of historically low interest rates, particularly…

Why Aren’t ARMs More Popular in This Increasing Interest Rate Environment?

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The answer to this question involves an intricate dance between risk, time, and interest—all depicted in a single graph: the Treasury Yield Curve.
Resources in Spanish to Help with the Mortgage Process

Recursos en español para ayudarle con el proceso del crédito hipotecario

Las instituciones financieras manejan las solicitudes de hipotecas y los cierres de operaciones…

Discover Your Home’s Value: The Power of Cash-Out Refinancing

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If you're a homeowner, you're most likely sitting on some serious cash with the equity in your…

Overcoming Rising Rates: Solutions to Unlock Your Dream Home with BankSouth Mortgage

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If you've been keeping up with the news on interest rates, you might feel discouraged about…

BankSouth Mortgage Loan Officers Rank in the Top 1% for Customer Satisfaction by Experience.com

BankSouth Mortgage, one of the nation's leading home loan originators, is proud to announce…

The New Expectations for Mortgage Excellence: A Personal Connection with an Expert in a Digital World of Convenience

In the constantly evolving landscape of the mortgage industry, many have been swayed by the…
Kamusta. Hello in Tagalog and Filipino

Mga Mapagkukunan sa Tagalog upang Tumulong sa Proseso ng Mortgage

Pinangangasiwaan ng mga institusyong pampinansyal ang mga aplikasyon at pagsasara ng mortgage…
한국어. Hello in Korean.

주택 담보 대출 과정에서의 한국어 자료

금융 기관에서는 주택 담보 대출 신청 및 클로징 업무를 영어로 처리하기…
Xin chào. Hello in Vietnamese.

Các nguồn lực bằng Tiếng Việt hỗ trợ cho Quy trình Vay thế chấp

Các tổ chức tài chính xử lý đơn xin vay và giấy tờ hoàn tất khoản vay…
Nǐ hǎo. Hello in Chinese

帮助完成抵押贷款流程的中文资源

金融机构以英语处理抵押贷款申请和过户结算手续，如果您的偏好语言是中文，这可能会造成语言障碍。值得庆幸的是，我们有各种中文资源可以帮助您了解抵押贷款流程和您的贷款文件。本文将介绍可帮助您完成抵押贷款流程的资源。 《贷款费用估计表》 贷款机构将以英文向您提供这份文件，其中包含有关所提供贷款的重要详细信息。我们建议您查看此空白中文版，以帮助您了解您的《贷款费用估计表》。 《统一住宅贷款申请表》 您将收到一份英文版的贷款申请表，其中包括初始信息披露包和贷款结算文件。您可以使用此中文版来帮助您确认申请表上填写的信息是否正确。 …

National Financial Awareness Day: Building Financial Security Through Homeownership

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Happy National Financial Awareness Day! Today, we celebrate the importance of financial literacy…

Navigating the Home-Buying Journey: Your Route to a Successful Purchase with Pre-Approval

The home-buying journey can often feel like a thrilling roller coaster ride. From the excitement of browsing through listings to the exhilarating rush when you find 'the one', each moment is a blend of anticipation and intrigue...

Understanding How Lenders Estimate Property Taxes: What You Need to Know

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When you're applying for a loan, understanding the various costs involved is crucial. One of…

Understanding FHA Loans: Your Key to Affordable Homeownership

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If you're in the market for a home, you may have come across FHA loans as an option for financing.…

What is an Escrow Payment?

When buying a home, navigating the complex world of real estate transactions can be overwhelming.…

BankSouth Mortgage’s Fowler Team Awarded 2022 Affiliate of the Year

BankSouth Mortgage proudly announces that The Fowler Team, comprised of Kelli (Sr. Loan Officer)…

Tax Deductions for Homeowners: Mortgage Interest, Property Taxes, and Closing Costs

If you own a home, you may be eligible for certain tax deductions that can help lower the taxes…

April is National Fair Housing Month

National Fair Housing month is a time to reflect on the importance of fair housing and fair…

Revamp Your Home with Renovation Loans: A Head-to-Head Comparison of HomeStyle® vs CHOICERenovation®

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Fannie Mae HomeStyle® and Freddie Mac CHOICERenovation® are two popular renovation loan programs…

Essential Resources to Navigate the Mortgage Process in Your Preferred Language

Español | 中文 | Tiếng Việt | 한국어 | Tagalog  For those who feel more…

Interest Rates: How Are They Determined?

Did you know that mortgage interest rates vary from person to person? Interest rates are based…

Benefits of Partnering with BankSouth Mortgage, a Bank-Backed Lender

Purchasing a home is a complex and often stressful process for a buyer. As a real estate agent,…

Improving Curb Appeal: What to Look For and Ways to Finance It

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Spring is right around the corner, and with it comes warmer temperatures and the anticipation…

BankSouth Mortgage Launches New Website

As part of its ongoing effort to provide mortgage excellence, BankSouth Mortgage, along with…
Buying-Down-Rates-Blog

“Paying Points” to Buy Down Interest Rates

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In this interest rate climate, it’s nice to have options for reducing what may otherwise…
The Best Money Saving Tips

The Best Money Saving Tips to Help Grow Your Savings

Saving money can seem like a daunting task, especially if you’re living paycheck to paycheck.…

The Basics of Selling Your Home

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Like buying a new home, selling your home can be an emotional and complex process. You can…
Increasing-Your-Home's-Value

Increasing Your Home’s Value

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For many of us, our home is our largest asset. Maintaining and improving your home can increase…

How to Find Your New Home

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There are two main ways to search for your new home.  First, you can calculate how much you…

Know Your Mortgage Loan Options

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Major types of mortgage loans include: Fixed-rate loans. Because they offer a monthly…

Understand the Variety of Mortgage Lenders & Brokers

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There are hundreds of mortgage lenders on the Web that will prequalify and pre-approve you…
A Digital Mortgage Done Right

A Digital Mortgage Done Right: Balancing Fast, Easy and Smart

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The best mortgage experience features equal amounts of digital convenience and personal service…

Avoiding & Reporting Scams

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Protect your finances and personal information by staying alert against fraud How to avoid…
The-Truth-About-Mortgage-Rates

The Truth About Mortgages

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We’ve been hearing from clients who are concerned about mortgage interest rates. We’d like…

First Come, First Served: An Additional $7.2 Million of Loan Assistance Funding is Available

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Updated on 5/17/2023 Apply for up to $15,000 of Homeownership Set-Aside funds to help purchase…
What is a 2-1 Buydown

What is a 2-1 Buydown?

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Reduce mortgage payments for the first two years of the loan with a 2-1 buydown from BankSouth…
Fed-Rate-Hikes-and-Mortgage-Rates

Why is the Fed hiking rates, and does it affect mortgage rates?

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The U.S. Federal Reserve has hiked rates a few times this year. You may be wondering, why is…
Loan-Comparison-Calculator

Should I pay points to lower the rate?

Should I Pay Points to Lower the Rate As your trusted partner in helping you navigate the…
Home Equity Line of Credit Calculator

Which is better: 15- or 30- year loan term?

Deciding on the right mortgage term for your home loan is an important step in your homeownership…
Amortizing Loan Calculator

How much should I put down for a new home?

Are you ready to unlock the door to your dream home? At BankSouth Mortgage, we understand that…
Rent vs Buy Calculator

Am I better off renting?

Unlock the Door to Your Future: Rent vs. Buy Deciding between renting and buying is a significant…
Application Checklist

Application Checklist

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The following is a list of the documents that will be requested at the beginning of the loan…
Things-You-Should-Know

10 Things You Should Know

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1. Length of Process The length of the process varies for each borrower, depending upon your…
Borrower-Tips-and-Advice

Borrower Tips and Advice

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During the processing of your loan, there are certain things to keep in mind that may affect…
Understanding-Credit

Understanding Credit

No one can predict the future. Credit scores are the universally accepted way to best determine…

BankSouth Mortgage’s Kim Nelson Named as one of HousingWire Magazine’s 2022 Women of Influence

ATLANTA, GA – BankSouth Mortgage, which operates 13 offices across the Southeast, announces…
Fixed-vs.-Adjustable

Fixed-Rate vs. Adjustable-Rate

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What is an ARM, and does it matter? When it is time to get a mortgage, it’s important to…
The-Mortgage-Process

The Mortgage Process

Initial Mortgage Consultation When you begin thinking about buying a home, contact BankSouth…
The Fed, Policy Rates and Inflation – What This Means For Mortgage Interest Rates

The Fed, Policy Rates and Inflation – What This Means For Mortgage Interest Rates

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At their most recent meeting, the Federal Reserve moved policy rates up by 0.5%. The Fed’s…
Mortgage Credit Score

Mortgage Credit Score

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Credit scores are used to determine the risk in lending money to a borrower. In other words,…
Unpacking-the-Mortgage-Process--Home-Inspections,-Appraisals,-&-Closing

Unpacking the Mortgage Process: Home Inspections, Appraisals, & Closing

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Home inspections, appraisals, and closings, oh my! Aspects of the homebuying process can seem…
Fighting-Inflation,-Rate-Impact

Fighting Inflation, Rate Impact

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Looking to purchase or refinance a home? It may pay to act before rates rise further! Here’s…
What Can Cause Inflation?

What Can Cause Inflation?

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CAUSE: More money floating around the economy EFFECT: Rising prices on goods and services…
Aerial-Row-of-Houses

Assessed Value Vs. Appraised Value Vs. Market Value: What’s the Difference?

If you’re in the market to purchase a home, you’ve probably seen an assessed value, appraised…

Steps You Can Take to Reduce Telemarketing Calls

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Across the mortgage industry, customers are complaining about receiving unsolicited mortgage…
Protect Against Wire Fraud

Protect Against Wire Fraud

Mortgage wire fraud occurs when a criminal impersonates a real estate closing firm, a lender,…
Couple reviewing homebuying options on a laptop while planning their future together

The Cost of Waiting to Buy a Home in Today’s Market

Thinking about waiting to buy a home? It’s a common question, and a smart one to ask. But…
home-buying-mistakes-to-avoid

Home Buying Mistakes to Avoid

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If you’re thinking about buying a new home soon, you’ve taken the first step to homeownership!…
Forbearance--Separate-Facts-from-Fiction

COVID Forbearance: Separating Fact from Fiction

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What You Need to Know FACTS As part of the CARES Act, the federal government states that…
What is Homestead Exemption?

What is Homestead Exemption?

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How to Lower Property Taxes with Homestead Exemption If you have recently closed on a home…
Tips-for-Quick-and-Easy-Home-Improvements

Tips for Quick and Easy Home Improvements

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We have all seen the home improvement TV shows where the bathroom or kitchen gets an easy update…
Mortgage-Refinancing-Checklist-Your-Ultimate-Resource

Mortgage Refinancing Checklist: Your Ultimate Resource

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Sometimes you need something when you don’t, and other times you think you don’t need something…
Why You Should Consider Refinancing Your Mortgage

Why You Should Consider Refinancing Your Mortgage

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Get a Lower Rate, Take Cash Out of Equity, or Get Rid of PMI When you refinance a loan, you…
Secrets-to-Budgeting-for-Your-First-or-Next-Home-Purchase

Secrets to Budgeting for Your First or Next Home Purchase

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Gain a better plan rather than living paycheck-to-paycheck with your next mortgage Homeownership…
What is a renovation loan

What is a renovation loan?

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A renovation loan is a type of loan that borrowers can use to make renovations to their current…

Your Holiday Mortgage Guide: Navigating Do’s and Don’ts

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Don’t Make These Mistakes During the Holidays or You’ll Jeopardize Your Mortgage Loan! Your…
5-VA-Loan-Questions-Answered

5 VA Loan Questions Answered

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November is National Military Family month, and it also includes Veterans Day on Friday, November…
How Buying a Home in Winter Can Save You Money

How Buying a Home in Winter Can Save You Money

Waiting to buy a home until spring or summer seems like the obvious choice for most families.…
Thinking about buying a home

Thinking about buying a home in the new year?

If buying a home is on your list of New Year’s resolutions, now is the perfect time to start…