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116 search results for: C-THR88-2205 Latest Test Cost 🚖 C-THR88-2205 Latest Exam Pdf 😂 Latest Braindumps C-THR88-2205 Ppt 😃 Copy URL 《 www.pdfvce.com 》 open and search for [ C-THR88-2205 ] to download for free 🏖Reliable C-THR88-2205 Exam Braindumps

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Application Checklist

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The following is a list of the documents that will be requested at the beginning of the loan process. Please be aware that additional documentation may be required dependent on your unique circumstances. For Credit Approval: Most recent two years tax returns, federal only, all pages as well as any W-2s, 1099s, or K-1s. If […]

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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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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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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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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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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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The Cost of Waiting to Buy a Home

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Waiting to Buy Can Decrease Your Purchase Power In this uncertain real estate market, many buyers may be playing the waiting game when it comes to purchasing a home. There are advantages and disadvantages to this strategy. Waiting could mean you have more time to save for a larger down payment. Waiting could also mean […]

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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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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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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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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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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 […]

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

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In the dynamic realm of real estate, a game-changing trend has emerged, offering prospective homebuyers a direct route to their dream homes. iBuyers, innovative companies revolutionizing the home-selling process, provide a unique opportunity for individuals to expedite the sale of their current homes, enabling them to swiftly secure the funds needed for a down payment […]

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Understanding Credit

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No one can predict the future. Credit scores are the universally accepted way to best determine how someone will handle their financial commitments. Your personal credit score is a major component in the loan approval process but can sometimes seem like a mystery. Understanding what affects your credit score will enable you to maximize your […]

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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 be thrilling, yet understanding the recent market trends is crucial. According to CoreLogic’s latest Quarterly Construction Insights, there’s much to be optimistic about! Key Market Trends Lumber Costs Decreasing: We’ve seen a significant drop in lumber prices, down by 23% in the U.S. […]

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

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If you’re in the market to purchase a home, you’ve probably seen an assessed value, appraised value and a market value in addition to the home’s sales price. What’s the difference? Simply put, an assessed value is the value determined by a municipality or county assessor for the purpose of determining a property’s value for […]

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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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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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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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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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The Mortgage Process

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Initial Mortgage Consultation When you begin thinking about buying a home, contact BankSouth Mortgage to get pre-qualified. A pre-qualification 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 […]

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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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Thinking about buying a home in the new year?

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If buying a home is on your list of New Year’s resolutions, now is the perfect time to start planning. The more you can prepare for a home purchase, the better off you will be. Here are some top tips to start the process. 1) Evaluate your current living situation. What do you like, what […]

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Cyndi Eber

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Cyndi Eber started in the mortgage industry in 1986. She brings more than 31 years of industry experience and mortgage knowledge to BankSouth Mortgage, having also worked in the industry as a processor and underwriter. She has built a reputation of being trustworthy, open, and straightforward with her clients. She stands behind her word and […]

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Stephen Hester

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Stephen grew up in Hall County, attending Johnson High School, and briefly studied at Gainesville State College. Happily married to Madison, they share a fantastic relationship, truly being each other’s best friend. In their free time, they enjoy playing pickleball, with his passion lying in golf, and recently taking up kayaking as a couple. Stephen […]

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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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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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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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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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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 […]

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Utilizing the VA Renovation Loan

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Are you a veteran, an active-duty service member, or a surviving spouse looking to buy a home that needs a little TLC? Or perhaps you’re a current homeowner who wants to make some updates to your property to increase its value and improve your quality of life. Whatever your situation may be, the VA renovation […]

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Should I pay points to lower the rate?

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Should I Pay Points to Lower the Rate As your trusted partner in helping you navigate the complex world of mortgages, we’re here to guide you through the home buying process and help you make informed decisions. Understanding Points: What are They? As a homebuyer, you may have come across the term “points” when exploring […]

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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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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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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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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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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 […]

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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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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 in an hour or less, but when we try to do that in our own home, somehow a whole weekend goes by and we aren’t even halfway done. Well, here are few things that can change the […]

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What is a Seller-Paid Buydown?

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A seller-paid buydown allows the seller of a home to reduce the buyer’s monthly mortgage payment for an initial period, typically one or two years. To increase their chance of selling their home, sellers will offer this as an incentive to potential buyers.  A seller-paid buydown can be offered by the builder of a new […]

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What is Homestead Exemption?

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How to Lower Property Taxes with Homestead Exemption If you have recently closed on a home in the past calendar year, you are able to take advantage of a homestead exemption. A homestead exemption exempts a portion or a flat dollar amount of your home’s value from your annual property tax bill. To qualify, the […]

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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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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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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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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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Sharon Simons

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Sharon Simons is passionate about turning homeownership dreams into reality. With a robust background in real estate and new home construction, she embarked on her mortgage career nearly 20 years ago, bringing a deep understanding of the housing market and construction processes. This extensive experience has been invaluable in shaping her approach to mortgage lending […]

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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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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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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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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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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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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 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 Mortgage! Buying a home is an exciting milestone but can come with additional startup costs. Between things like new furniture, fresh paint, and appliances, BankSouth Mortgage is here to offer a great solution to help balance out-of-pocket expenses! […]

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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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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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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! Are you excited? You should be! Homeownership is an exciting journey. After all, the home you’ll be in will be YOUR home, not your landlord’s. Before we get carried away in what colors you’re going to paint the walls […]

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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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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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“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 be considered a high-interest rate. This is where “paying points” to buy down interest rates could be beneficial! It’s a great alternative for today’s homebuyers. What does “paying points” mean? “Points” are additional fees a borrower or seller can pay […]

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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 […]