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Essential Resources to Navigate the Mortgage Process in Your Preferred Language

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Español | 中文 | Tiếng Việt | 한국어 | Tagalog  For those who feel more comfortable speaking a language other than English, the mortgage process can be an overwhelming task. Financial institutions often conduct their mortgage application and closing process in English, creating a language barrier that can be intimidating to navigate. However, there’s no need to worry, as […]

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

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BankSouth Mortgage is delighted to announce that its Augusta branch has been honored as the “Best Mortgage Lending Company” at the Cyber City’s Best 2024 Community Choice Awards. The Cyber City’s Best Community Choice Awards celebrate excellence across various industries, recognizing businesses that have made significant contributions to their communities. This esteemed recognition underscores BankSouth […]

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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 challenges, countless Gen Z and Millennials are turning their dreams into reality. Keep reading to discover the latest trends and practical tips that will help you achieve your homeownership goals with confidence. Gen Z Homebuyers: The Emerging Market Movers Making […]

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April is National Fair Housing Month

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National Fair Housing month is a time to reflect on the importance of fair housing and fair lending practices in the real estate and mortgage industries. Fair lending laws exist to ensure that all borrowers, regardless of their race, ethnicity, gender, religion, or other protected status, have equal access to credit and are treated fairly […]

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How to Lock in a Mortgage Rate: A Comprehensive Guide

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Securing the best mortgage rate is a critical step in the home-buying process. Locking in a rate ensures you are protected against market fluctuations during the often lengthy process of finalizing your mortgage. Here’s a detailed guide to help you understand how to lock in a mortgage rate effectively. What Does It Mean to Lock […]

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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 is a goal that most of us have. In order to make this dream come true, future homebuyers need to do some financial planning and budget their money in order to save for a home. Let’s take a look at a possible […]

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BankSouth Mortgage Opens New Branch in Gainesville, GA

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BankSouth Mortgage proudly announces the grand opening of its new location at 100 Main Street, Gainesville, GA 30501, marking a significant stride in its continued commitment to serving its home state of Georgia. The expansion exemplifies its dedication to fostering quality service and expertise, ensuring residents of Gainesville and its surrounding regions access a first-class […]

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Tips for Securing the Best Mortgage Rates

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Securing the best mortgage rate can significantly impact your home-buying journey, potentially saving you thousands over the life of your loan. At BankSouth Mortgage, we believe that being informed and prepared is the key to unlocking the best rates. Here are some practical tips to help you understand what influences mortgage rates and how you […]

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

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BankSouth Mortgage, one of the nation’s leading home loan originators, is proud to announce that four of its loan officers have been recognized among the top 1% performers in Customer Satisfaction by Experience.com, a leading provider of Customer Experience Management Software. The recipients of this prestigious accolade are Jessica Jakulski Bernstein, Kristy Ragsdale, Shannon Bradshaw, […]

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BankSouth Mortgage Launches New Website

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As part of its ongoing effort to provide mortgage excellence, BankSouth Mortgage, along with its parent company, BankSouth, is proud to announce the launch of its new mortgage website. The strategic decision to launch www.banksouthmortgage.com was made to expand its digital capabilities in order to better support homebuyers and business partners in the vast number […]

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Jenny Terrell

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Jenny Terrell is an accomplished mortgage loan officer who made Athens home in 1996 by attending the University of Georgia and deciding she never wanted to leave.  Jenny holds a Bachelor of Arts degree from UGA.  Prior to her mortgage career, you might have heard Jenny’s voice as a morning radio host on the much-loved […]

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Understanding Loan-Level Price Adjustments (LLPA): A Simple Guide

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When navigating the mortgage process, you might come across a term called Loan-Level Price Adjustment, or LLPA. While it may sound complex, it’s essential to understand this concept to make the most informed decisions about your mortgage. In this blog post, we’ll break down the basics of LLPAs in easy-to-understand language, so you can feel […]

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Steps You Can Take to Reduce Telemarketing Calls

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Across the mortgage industry, customers are complaining about receiving unsolicited mortgage offers and wondering why they’re being bombarded with these calls. Their first question is often, “Did you sell my information?”. Rest assured, BankSouth Mortgage is not in the business of selling your information. What’s happening is an industry-wide issue caused by “trigger lead” sales. […]

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Am I better off renting?

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Unlock the Door to Your Future: Rent vs. Buy Deciding between renting and buying is a significant crossroads on your journey to financial wellness. At BankSouth Mortgage, we’re not just about helping you find a loan; we’re about guiding you to a place you can truly call home. With our Rent vs. Buy Calculator, we […]

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Cathy Thompson

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Cathy has 20 years of experience in the mortgage industry. She has worked in every part of the origination process. From being a processor to a team manager, she has had experience in working through any issue that could arise on a loan. That experience has molded her into a loan officer who knows how […]

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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 circumstances. Constant communication with your mortgage banker will help keep you informed of anything that may delay the processing of your application. 2. Budget v. Affordability Just because you qualify for a certain amount of financing doesn’t mean you […]

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Paige Seibert

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Paige has been in the mortgage industry for 17 years and a Mortgage Bankers Association Gold Award winner for multiple years. Her approach to helping customers determine the right loan is simple; she treats each client as if they’re her only client. Paige maintains a thorough knowledge of industry and product-specific guidelines and prioritizes attending […]

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Know Your Mortgage Loan Options

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Major types of mortgage loans include: Fixed-rate loans. Because they offer a monthly payment that is known and does not change, fixed-rate mortgage loans remain the most popular type. Most fixed-rate mortgages are for loan terms of 15 or 30 years. A 30-year loan has lower payments but a slightly higher interest rate.  To pay […]

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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. Historically, an FHA loan, or Federal Housing Administration loan has been a popular choice for many first-time homebuyers and those with lower credit scores or limited savings. However, an increasing number of buyers have realized […]

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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 holiday to-do list is long enough without adding buying a house on top of everything else. There is decorating, shopping, wrapping, and multiple gatherings to attend. To knock one small thing off your list that makes a BIG impact, it’s keeping […]

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William Sartain

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William is a Loan Officer with a wealth of experience in the real estate industry. He was born and raised in Atlanta, and attended The Lovett School and The University of Georgia, where he lettered in Baseball. After college, he worked in accounting for three years before transitioning to residential real estate. Since 2009, he […]

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Mortgage Credit Score

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Credit scores are used to determine the risk in lending money to a borrower. In other words, how likely it is a borrower will pay bills on time. Credit scores range from 300 to 850 and reveal how well a borrower has paid bills and managed debt in the past. The higher the score, the […]

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FHA Loan Calculator: Estimate Your Monthly Payments

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When it comes to financing your home, FHA loans offer a range of benefits that make them an appealing option for many individuals and families. FHA stands for Federal Housing Administration, an agency within the U.S. Department of Housing and Urban Development (HUD) that aims to facilitate access to affordable housing for all Americans. FHA […]

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Preston Laird

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Introducing Preston, your seasoned mortgage loan officer, proudly serving Savannah, Georgia, and neighboring communities. With a robust 16-year banking career, Preston’s journey began in 2007, initially in retail banking at BB&T, followed by a tenure with The Coastal Bank of Savannah and as a Commercial Banker with Colony Bank. Later, he transitioned into mortgage origination […]

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Sue Ann Guthman

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Sue Ann has worked in the mortgage industry since 1982 and has extensive experience in both purchases and refinancing existing mortgages. She is committed to serving each client with professionalism and strives to ensure her clients receive a mortgage that fits their lifestyle and financial needs. Sue Ann’s goal is to provide excellent customer service […]

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BankSouth Mortgage Announces D.C. Aiken as VP, Producing Production Manager

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BankSouth Mortgage is pleased to announce that D.C. Aiken has recently joined BankSouth Mortgage as Vice President, Producing Production Manager. D.C. Aiken, a 44-year resident of the Metro Atlanta Area, graduated from the College of William and Mary with a BA in Economics. With more than 30 years of experience in the mortgage business, he […]

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5 VA Loan Questions Answered

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November is National Military Family month, and it also includes Veterans Day on Friday, November 10, 2023. One of the many benefits the US Government provides to past and present members of our armed forces, and qualifying surviving spouses, is backing their home loans. A VA loan is a mortgage product offered by many private […]

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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 offered by BankSouth Mortgage. There are similarities and differences between the two programs that borrowers should know before choosing which program to apply for. Eligibility: The eligibility requirements for both HomeStyle® and CHOICERenovation® loans are similar. Both programs require the property to […]

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Carol Schretter

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Carol Schretter hails from Southfield, Michigan. Carol moved to Savannah in 1984 shortly after she served in the United States Marine Corps as a sergeant in the Signals Intelligence division in Japan for the NSGA.from 1977-1981. She has worked in the real estate industry in Savannah for 33 years. Carol’s focus is to find the […]

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Taylor-Hanner Team

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We are unique because we are seasoned mortgage professionals who have worked together for many years and have been involved in many aspects of the mortgage loan process during our careers. Our experience counts for something, and our clients benefit immensely from our knowledge. We love that we are not limited to just one type […]

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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 for a mortgage loan. Major categories of mortgage lenders include: Savings & loans. Also called thrift institutions, savings and loan associations (S&Ls) are the largest traditional lenders of residential home mortgages. A government cleanup of bad loans at S&Ls that ended in the 1990s left […]

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The Wagner Team

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The Wagner Team is led by Jan Wagner, a Certified Residential Mortgage Specialist® with over two decades of experience in the metro Atlanta mortgage industry. She caters to a diverse clientele, from first-time homebuyers to seasoned buyers and retirees, excelling in construction to permanent lending. Jan is a consistent recipient of the Mortgage Bankers Association […]

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Jessica Bernstein

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Jessica has been in the mortgage industry for 14 years and has been a Mortgage Bankers Association of Georgia winner for the past several years. Her consistent communication and diligence lay the foundation for a phenomenal customer experience. Jessica is known for her quick response times and easy-going demeanor. She strives to put each buyer […]

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Kelli Fowler

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Kelli moved to Georgia in 1994 after graduating from college and has since made Lake Oconee home, with her husband, Jerry. Kelli has more than 20 years of mortgage experience and prides herself on her commitment to providing exceptional service throughout the lending process. She is an affiliate member of the Lake Country Board of […]

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D.C. Aiken

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D.C. Aiken, a 48 year resident of the Metro Atlanta Area, graduated from the College of William and Mary with a BA in Economics. With more than 30 years of experience in the mortgage business, he has a solid understanding of the local real estate market and knows how to find the best mortgage financing […]

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Alan Rabun

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Although I was born in Covington, Georgia, I’ve spent the majority of my life in the welcoming community of Columbia County. Initially, I embarked on a path in Mechanical Engineering at Augusta Technical College, but life had other plans for me. I found my true calling in sales and sales management, which eventually paved the […]

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You Can Challenge Inaccurate Appraisals

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Accurate appraisals play a crucial role in maintaining the integrity of mortgage lending, the housing industry, and our communities. Inaccuracies in valuation can have far-reaching consequences, impacting affordability, property sales, refinancing opportunities, and even the risk of foreclosure. We understand the importance of fair and precise appraisals, which is why BankSouth Mortgage is committed to […]

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Clinton Rice

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Clinton is an experienced mortgage professional with over 15 years of industry experience. He has a deep understanding of the mortgage industry and is committed to using his expertise to help you. In his previous role as a Business Development Specialist at BankSouth Mortgage, Clinton worked alongside some of the most talented mortgage bankers, agents, […]

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Shannon K. Bradshaw

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As a loan officer at BankSouth Mortgage, Shannon Bradshaw places primary emphasis on service and communication with her customers. Maintaining a comprehensive knowledge of BankSouth Mortgage’s growing list of loan product offerings is crucial to providing that exceptional service. Shannon understands the importance of staying educated with the changing market, as well as working with […]

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Jan Wagner

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Jan has been an integral part of the metro Atlanta area mortgage industry since 1997. She is a Certified Residential Mortgage Specialist® who is knowledgeable in all aspects of lending, allowing her to comfortably work with first-time home buyers as well as seasoned buyers interested in second or investment properties, and retirees alike. Jan also […]

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How much will my VA loan payments be?

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VA Loan Payment Calculator Are you a veteran, active-duty service member, or a surviving spouse of a service member? Are you looking to finance your dream home? We understand that figuring out your monthly payment for a VA loan can be challenging. That’s why we’ve provided our VA Loan Payment Calculator.  Your Home Financing […]

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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, especially in today’s ever-evolving real estate market. However, it’s essential to explore all the tools and options available to make the best decision for your future. One fantastic loan program that is gaining popularity among homebuyers is the Lender-Paid Buydown. […]

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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 compare your options. There are two different types of mortgages, a fixed-rate mortgage and an adjustable-rate mortgage (ARM). A fixed-rate mortgage has the same interest rate for the loan’s entire life (or term). This means your […]

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BankSouth Mortgage Strategically Grows Brand

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BankSouth Mortgage announced it has made strategic hires to grow its team across Georgia. In Q4 of 2022, BankSouth Mortgage welcomed quality leadership and lenders to its team. BankSouth Mortgage’s CEO, Kim Nelson, stated, “Being a good employer and serving our customers is a priority. Our leadership team believes this is the perfect time to […]

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

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BankSouth Mortgage proudly announces that The Fowler Team, comprised of Kelli (Sr. Loan Officer) and Jerry Fowler (VP, Producing Production Manager), has been honored with the Affiliate of the Year award by the Lake County Board of Realtors (LCBR). The prestigious award recognizes dedicated service to the LCBR, the community, and the entire real estate […]

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The Truth About Mortgages

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We’ve been hearing from clients who are concerned about mortgage interest rates. We’d like to offer some reassurance from the front lines. After all, we’re still helping homeowners and homebuyers every day. While interest rates have risen recently, it’s important to remember they are coming up from historic lows. No one ever thought we’d see […]

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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 and awareness, empowering individuals to make informed decisions about their money and investments. At BankSouth Mortgage, we believe that understanding finances and investing wisely is crucial, but today, we want to highlight the exceptional value that homeownership brings to financial security and […]

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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 that ultimately put you – the homebuyer – at the center of everything. There are many trade-offs to make when buying a home. Settling for an inefficient, impersonal, and intimidating mortgage process shouldn’t be one of them. An onslaught of new digital […]

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Jerry Fowler

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Jerry brings more than eighteen years of real estate and mortgage experience and is a graduate of Capstone Institute of Mortgage Finance. He has also received numerous awards throughout his career, including: The Who’s Who of American Business Leaders for four consecutive years, the 2007 and 2008 Mortgage Bankers Association of Georgia (MBAG) Gold Award, […]

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Stephanie Haase

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Stephanie Haase’s entire professional career, which spans more than a quarter century and is still going strong, has been in banking. The last 30 of those years have been devoted to her mortgage banking clients in and around Atlanta, which she calls home after re-locating from New England in 1991. A top producer many times […]

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Joy Brown

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Joy Brown has worked in the mortgage industry for 38 years. She began her career in 1980 as a processor and worked her way up thru processing to underwriting, and has been a loan officer since 2001. This wide range of experience makes her a true mortgage expert. Joy continues to be a top producer […]

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Kristy Ragsdale

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Kristy is an Atlanta native and a licensed mortgage loan originator who specializes in new construction. As a mortgage specialist, Kristy is dedicated to providing the most exceptional customer service available for both seasoned and first-time homebuyers. She has over 20 years of experience in assisting buyers in achieving the American dream of home ownership. […]

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Shachi Bhardwaj

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Shachi Bhardwaj has been in the mortgage industry since 2005 following a successful stint as an entrepreneur. During this period, Shachi has built a vast network of delighted homebuyers, realtors, and builders. She has consistently received the Mortgage Bankers Association of Georgia’s (MBAG’s) Gold Award since 2009 – an honor that is awarded to the […]

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What Can Cause Inflation?

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CAUSE: More money floating around the economy EFFECT: Rising prices on goods and services (recent example: lumber) Inflation impacts the housing market because rising prices on good and services often results in a higher base house price. Inflation may also impact interest rates for borrowers, which can impact some buyer’s purchasing power. Ready to buy? […]

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

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ATLANTA, GA – BankSouth Mortgage, which operates 13 offices across the Southeast, announces their CEO Kim Nelson has been named one of HousingWire Magazine’s 2022 Women of Influence. The Women of Influence list recognizes trailblazing women who have earned significant leadership positions and made notable contributions in the housing sector. Honorees have demonstrated market resilience […]

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Interest Rates: How Are They Determined?

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Did you know that mortgage interest rates vary from person to person? Interest rates are based on specific criteria, which can vary between financial institutions. Lenders use several factors to determine the interest rate for each borrower. These factors include loan terms, such as the loan-to-value, length of the loan, and program type. Lenders also […]

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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 the significant components of homeownership is property taxes, which can have a significant impact on your monthly payments. However, it’s essential to be aware that property tax estimates can vary among lenders. In this blog post, we will provide you […]

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What Happens During a Home Appraisal?

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The appraisal process is one of the most critical steps in a real estate transaction. This single assessment has the power to either make or break an entire deal and can be stressful for home buyers and sellers alike. Whether you’re buying or selling a home, it’s important to understand exactly how a home’s value […]

111

Angela Hanner

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With over 20 years of industry experience, Angela Hanner has excelled as a mortgage banker. Her expertise is with first-time homebuyers, construction, VA, and FHA loans. Angela’s main focus is the customer and making sure they have a good experience. She thoroughly reviews the financial picture of each client with an open-minded approach in order […]

112

Rabun Lending Team

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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 […]

113

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 use a real estate agent to help or you can try to sell it yourself which is called an FSBO — For Sale By Owner — transaction. An FSBO transaction involves more of your personal time. You will have to […]

114

Liz Taylor

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With over 30 years of industry experience, Liz Taylor has excelled as a mortgage banker. Her expertise is with first-time homebuyers, construction and construction-perm, VA, and FHA loans. Liz’s main focus is the customer and making sure they have a good experience. She thoroughly reviews the financial picture of each client with an open-minded approach […]

115

Keith Spain

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Customer service, enthusiasm, and follow-up are the words that come to mind when clients and partners are asked about Keith Spain. Since his career began in 1998, he has built a strong reputation in both the real estate and mortgage industry. Throughout his career, Spain has represented some of the nations largest financial institutions, including […]

116

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 the outcome of your loan request. Credit, income, and assets are re-verified after you have signed your initial loan application documents, and it is extremely important to avoid activities that affect your credit, such as applying for new […]

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What is an Escrow Payment?

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When buying a home, navigating the complex world of real estate transactions can be overwhelming. One term that often arises in the process is “escrow.” But what exactly is escrow, what is it used for, and how does it work in a mortgage transaction? Escrow is an arrangement in which a third party holds funds […]

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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 home, especially with the significant increases in most property values recently. The amount of equity you have is equal to the current value of your home minus the amount you may still owe on your home. Did you […]

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Senior Mortgage Banker, Shannon Bradshaw, receives seventh Five Star award

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BankSouth Mortgage Senior Mortgage Banker, Shannon Bradshaw, has been named a 2022 Five Star Mortgage Professional award winner, marking her seventh such recognition in 10 years. Bradshaw is the only Georgia-based loan originator to have won this award seven times since its inception in 2003. Five Star Professional bestows the award on outstanding real estate […]

121

Brian A. Williams

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Being an Atlanta native has provided Brian with specialized insight into the local market. His 15 years of experience in the mortgage industry have been spent mastering a variety of loan programs to best suit his clients’ needs. He’s committed to providing customers with amazing service that exceeds their expectations. Brian is personable and professional; […]

122

GA Lending Team

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We are unique because we have an extensive background and experience guiding homebuyers through the entire mortgage process, from origination all the way to closing. Our goal when working with a client is that they feel as though they are a partner in the process and that we are with them every step of the […]

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Interest Rates vs. Homeownership: The Resilience of Real Estate

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For many prospective homebuyers, the allure of historically low interest rates, particularly the coveted 3% mark, is a dream that seems to have slipped through their fingers as we transition out of the pandemic era. These rates were indeed remarkable, but it’s important to understand that they were a response to the potential economic disaster […]