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A Better Mortgage Experience with BankSouth Mortgage’s ReadyLoan®

Get Pre-Approved Now Refinance Your Home
  • Zillow 4.98 out of 5
  • Experience 4.89 out of 5
  • Equal-Housing-Lender

At BankSouth Mortgage, we understand that buying or refinancing a home can be a complicated and time-consuming process. That’s why we’ve created ReadyLoan® – a streamlined and simplified mortgage solution designed to get you into your dream home faster.

With ReadyLoan®, you’ll enjoy:

  • A faster and easier mortgage process
  • A dedicated mortgage loan officer to guide you through the process
  • Competitive rates and flexible loan options
  • A fast pre-approval process that gives you more buying power

Whether you’re a first-time homebuyer or a seasoned homeowner looking to refinance, our ReadyLoan® program is designed to meet your unique needs and help you achieve your goals.

My Loan Officer (Kristy Ragsdale) at BankSouth and her team was nothing less than exceptional. I had a 3 week window to close on my home. Kristy jumped in on day 1 and she ran with it. She pulled all parties involved together and made sure everyone was doing their part to make it happen. Kristy and her team kept me informed every step of the way. They did such a good job that I was able to close on my date. I also appreciated them helping me every step of the way, answering my many phone calls and responding to my many questions....

From day one, Carol took the time to break down every step of the process so we always knew what was coming next. She was unbelievably patient with all of our questions, incredibly responsive via call and text, and made sure we got a competitive rate that fit comfortably within our monthly budget. Thanks to her guidance, our underwriting and closing process was smooth, stress-free, and ahead of schedule. If you are buying your first home and want someone who truly advocates for you, work with Carol!

Working with Carol Schretter at BankSouth was a smooth journey from the Beginning to the End. No problem at all. The you BankSouth and Mrs. Carol Schretter

Jennifer was absolutely amazing throughout this entire process! She went above and beyond to do everything in her power to help us get into our first home. Her communication was incredible, and she was available practically 24/7 to answer questions, provide updates, and make sure we always knew what was going on. She was proactive, patient, knowledgeable, and genuinely invested in helping us make this happen. Buying a home can be stressful, but Jennifer made us feel supported every step of the way. We are so incredibly thankful for all of her hard work, dedication, and the extra effort she put in to get us to the closing table. She is truly an asset to the team, and we couldn’t have asked for a better loan officer!

Kristy Ragsdale is extremely professional and pays attention to every detail throughout the loan process. She provided guidance and responded to all questions I had from start to finish. A wonderful experience!

Shawn has been an absolute pleasure to work with. Any time my wife and I had a question about the process or were uncertain, he took the time to really sit down and explain everything out for us in detail. He truly cares about your individual lending process, and I would absolutely recommend him to anybody else!

Joy kept us informed during the home loan process and made for a smooth uneventful closing!

The best mortgage lender ever! Available for questions all hours of the day. Very thorough and did everything in her power to get us in our new home.

Worked with Joy and her team. They’re very knowledgeable, responsive, and cares about their clients. Addressed my concerns and questions immediately. I highly recommend them!!

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BankSouth Mortgage Company, LLC, NMLS #690971, is a wholly owned subsidiary of BankSouth, NMLS #688851, a federal savings bank and Member FDIC. BankSouth Mortgage Company, LLC, is not a bank or other depository institution and is not FDIC-insured. Alabama Consumer Credit License #MC 21415 DBA LoanSouth Mortgage.