Home / Mortgage Process
Newly built suburban home with modern exterior, driveway, and landscaped front yard

New Construction Homes: What to Know Before You Build in Today’s Market

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Building a new home can offer flexibility, personalization, and modern features, but it also…
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…
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…

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…

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…
You-Can-Challenge-Inaccurate-Appraisals

You Can Challenge Inaccurate Appraisals

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

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.

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...

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…

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…
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…
The-Mortgage-Process

The Mortgage Process

Initial Mortgage Consultation When you begin thinking about buying a home, contact BankSouth…
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…
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…

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…

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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.