South GA Lending Team

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South GA Lending Team Lenders

Nikki Rodgers
VP, Producing Production Manager
NMLS ID#: 1160045
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Jennifer McCranie
Loan Officer
NMLS ID#: 1756638
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About South GA Lending Team

The South Georgia Lending Team is unique because we strive to not only help our customers become homeowners, but also take the extra steps to help them become knowledgeable members of the local community.  We love our market because it is growing but still has that hometown feel. During the loan process and even after, our customers will see us at the grocery store, community events, and church.  We live, work and play here and wouldn’t have it any other way!  Three words that are often used to describe our team are diligent, attentive, and committed.  That’s not by accident.  Our service is hyper-focused on delivering service that exceeds expectations both with agents and home buyers alike.  With a combined 15 years of mortgage experience in the Valdosta area, as well as additional years of banking and growing up in the area, our team has contacts and knowledge of the community that help make us your neighborhood experts.  The top need for our homebuyers is education on all options available to them when purchasing and refinancing.  We take the time to walk side by side with our clients, ensuring they get that education and never feel alone in the loan process. If you’ve been in this industry any time at all, it doesn’t take long before you understand just how important prompt communication and availability are.  We deliver on both for everyone involved in the loan process.  We can’t wait to help you secure your home loan for your new Valdosta home!

Reviews

5
Ratings
151
Total Reviews

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BirdEye.com
J
Julie Hughes
Posted on November 11, 2025
5.0
M
Michelle Held
Posted on November 6, 2025
5.0
One of the easiest home loans I've ever done great communication. Very punctual moving forward will use BSM again!
H
Hunter McNair
Posted on October 24, 2025
5.0
Nikki and the team at Bank South were awesome while we worked through a challanging relocation. Their understand of the unique challanges military familes face they provide made our home buying experience a breeze and their customer service is the definition of "Serving those who serve"! The Bank South team's flexibility releaved many burdens for us that comes with military relocation. 10 out of 10 would recommend!
R
Rachal Strong
Posted on October 7, 2025
5.0
Nikki was very professional and kept everyone informed every step of the way! She was always available to answer questions.
G
Gayle Trinder
Posted on August 28, 2025
5.0
Nicki was very helpful through the whole process and answered any and all questions that we had.
E
Ebonie Clayton
Posted on July 28, 2025
5.0
Nikki and the team were amazing! They worked with me and helped me understand the entire process!
D
Darleen Bailey
Posted on July 14, 2025
5.0
I couldn't have asked for a better experience. Nikki was wonderful and walked me throughout the entire process. Her expertise, customer service skills, and professionalism are the best. Thank you so much!
D
Darrell Roberts
Posted on July 13, 2025
5.0
Excellent experience! I would recommend for anyone looking to buy a home!
P
Paul Conkin
Posted on June 18, 2025
5.0
Nikki was amazing to work with and went above and beyond to help
D
Dennis Folsom
Posted on June 2, 2025
5.0
My home purchasing experience was excellent thanks to Nikki and her team, I will definitely be recommending them and Bank South to all my family and friends !
J
John Anderson
Posted on June 2, 2025
5.0
Nikki and team made this process, hands down, the smoothest and easiest we’ve ever had. During what can be a stressful time, they eased the burden.
K
Kathryn Hill
Posted on June 1, 2025
5.0
Nikki and her team at BankSouth were fantastic to work with—very professional, responsive, and made the loan process incredibly smooth and stress-free. Highly recommend!
D
Dennis Folsom
Posted on May 31, 2025
5.0
Nikki Rodgers and her team are absolutely the best !! Nikki and her team may the entire home buying process simple and easy. Thanks to Nikki and the entire BankSouth mortgage team we are living in our new home in Florida and loving it.
B
Blake Johnson
Posted on May 28, 2025
5.0
Working with Nikki was an absolute pleasure! From our first conversation to closing day, she was professional, responsive, and truly invested in helping us navigate the home loan process with confidence. Nikki explained every step clearly, answered all of our questions with patience, and made what could have been a stressful experience feel smooth and manageable. She worked hard to get us the best possible rate and kept everything on track with impressive attention to detail. Nikki’s expertise, honesty, and commitment to her clients are unmatched. I’m so grateful for all her help and would recommend her to anyone looking for a top-tier loan officer.
S
Shanterial Williamson
Posted on May 19, 2025
5.0
I had a great experience working with my Niki throughout the entire home-buying process. From the very beginning, she was extremely helpful, knowledgeable, and responsive. She secured me a low interest rate and took the time to explain everything clearly, making sure I understood each step of the process. I truly appreciate her patience and professionalism. She made what could’ve been a stressful experience feel smooth and manageable. I highly recommend her to anyone looking for a reliable and supportive loan officer!
S
Sandra Anderson
Posted on May 4, 2025
5.0
Nikki was such a great advisor in the process of securing funding for our new home. She was always available to answer our questions, helped us complete the myriad of forms and gave us encouragement when needed. We would definitely recommend her.
J
John Anderson
Posted on May 2, 2025
5.0
Nikki is great
J
John Anderson Sr.
Posted on April 30, 2025
5.0
Niki is very easy to work with and knows how to answer questions for older population! Loved working with her John Anderson Sr.
R
Ronald Jackson
Posted on April 29, 2025
5.0
Nikki Rodgers scored 100 percent. Purchasing a home is very stressful and Nikki understanding helped us in a very calm and professional matter. I definitely will refer family and friends to her.
A
Abby Patterson
Posted on April 7, 2025
5.0
I couldn’t have asked for a better mortgage lender! Nikki was professional, honest, and informative. This was a completely new experience for my husband and myself and without Nikki this would have been much more unnerving. She was very patient with us and willing to help in any way she could and that meant more to us than she will ever know. We have referred her to a few friends and will continue to do so! You won’t go wrong with Nikki and the Bank South Mortgage group on your team!
5
Ratings
75
Total Reviews

Powered By

BirdEye.com
L
Lori Vovk
Posted on November 29, 2025
5.0
Jennifer was patient and kind! She is very knowledgeable and took the time to answer any and all questions I had throughout the entire process!
J
Jami Perez
Posted on November 18, 2025
5.0
Jennifer and her team were amazing! They really made the home buying process easy! Highly recommend
D
Delaine Watson
Posted on November 4, 2025
5.0
Jennifer was beyond awesome and amazing!!!! 10 out of 10 recommend her to anyone, absolutely love her!!!!
S
Steven Henderson
Posted on October 27, 2025
5.0
Jennifer and her staff were Excellent! They made buying a house a pleasant experience for me.
A
Andrew Phillips
Posted on September 30, 2025
5.0
Jennifer is great to work with! She and the other staff at BankSouth made the financing process easy and straightforward for me. She’s always available to help and goes the extra mile for her customer!
A
Andrew Peri
Posted on September 22, 2025
5.0
Jennifer was phenomenal throughout the whole process! She made the experience immensely easy and effortless for me to go about buying my first house! I will absolutely be recommending her to anyone I know who is looking to buy a house!
A
Andrew Peri
Posted on September 22, 2025
5.0
10/10 I would highly recommend! Jennifer was phenomenal at answering every question or concern I had ASAP! I will absolutely be recommending her to anyone I know who is looking to buy a home! She made the process as easy and effortless as possible!
R
Ron Hollingsworth
Posted on September 6, 2025
5.0
Jennifer McCaine is AWESOME!
J
Jennifer McCranie
Posted on September 4, 2025
5.0
She closed on another client mine
J
Julie Smith
Posted on September 2, 2025
5.0
Jennifer was great to work with on my most recent transaction. She kept me and my buyer informed. She went above and beyond to help my client understand various options for a mortgage and how to maximize his investment in his new home buy using the GA Dream program. I will call on her again.
J
Julie Smith
Posted on September 2, 2025
5.0
Jennifer was great to work with on my most recent transaction. She kept me and my buyer informed. She went above and beyond to help my client understand various options for a mortgage and how to maximize his investment in his new home buy using the GA Dream program.
J
Julie Smith
Posted on September 2, 2025
5.0
Jennifer was great to work with on my most recent transaction. She kept me and my buyer informed. She went above and beyond to help my client understand various options for a mortgage and how to maximize his investment in his new home buy using the GA Dream program.
S
Steven Henderson
Posted on September 2, 2025
5.0
Jennifer and her staff made buying a house a pleasant experience for me. Would highly recommend! Thank you!
H
Heather Turner
Posted on July 2, 2025
5.0
R
Ronald Hollingsworth
Posted on June 30, 2025
5.0
Just Awesome! The best experience every!
h
harmony carroll
Posted on June 19, 2025
5.0
As a first time home buyer Jennifer was great! She answered all my questions. She communicated effectively and fast. She was super sweet and helped us get everything we wanted.
F
Florence Wood
Posted on May 23, 2025
5.0
Jennifer was truly amazing. She answered all our questions and gave us the information that we needed. She was there every step of the way and went above and beyond to help us. Every time we needed her, she was there. If we are ever in need of another mortgage, we are definitely going to call her.
L
Layla Dozier
Posted on March 7, 2025
5.0
Very responsive and easy to work with
R
Richard Munoz
Posted on January 15, 2025
5.0
Great communication. Very professional and helpful to our needs.
T
Tonora Armstrong
Posted on December 11, 2024
5.0
We had a great experience with Jennifer and her team The were very dependabl, knowledgeable and helpful. Always their to answer all of our questions. I would definitely recommend Jennifer and her team. Thanks again. The Armstrongs

The Mortgage and Lending Services You Need

There are a lot of different types of mortgages out there. Our job is to find you the right one. We’ll help you understand how your home financing works for you when you close and for decades to come.

Your mortgage isn’t far away. A customized mortgage plan puts you in control with down payments and mortgage payments that make sense for your lending needs. You can take the steps to this investment in your future.

It’s your life. It’s your future. We’re here to make it happen for you.

Multiple, standard mortgage options for qualifying homebuyers and homeowners.

Create your dream home with a loan that provides funds to cover the cost of building or rehabilitating a home.

Mortgages insured by the Federal Housing Administration requiring lower minimum credit scores and down payments - especially popular with first-time homebuyers.

A USDA home loan helps low to moderate income families buy affordable homes in rural areas.

Replace your old mortgage with a new one to lower your rate, reduce your loan term, or cash out home equity.

Special financing for military veterans, service members, and surviving spouses offering favorable terms with options to buy, build, renovate, or refinance a primary residence.

VA loans, USDA loans, FHA loans and other options that help buyers finance their new home while putting less money down.

For buyers considering higher-end properties – Jumbo loans can help provide the financing you need.

Want to fix up your existing home? A renovation loan gives you the funds to make those renovations updates to your home.

Mortgage Ready When You Are with ReadyLoan®

What can ReadyLoan® do for you?

Explore your mortgage options with calculators that help you understand how much you may qualify to borrow and what future payments might be look like.

Ready to look for a home? A preapproval gives you – and sellers – confidence that you’re ready for the next step.

Apply anytime and anywhere - from your phone or tablet. No waiting, No paper. No need to visit a loan office.

Submit required documents and forms through our state-of-the-art app with our encrypted and secure portal.

Check the status of your mortgage and see what steps are ahead in the process.

Securely communicate with your loan officer and agent if you have questions or need to provide other information.

Review your closing package and sign most documents prior to closing.

Apply Online

Download the App

  • App-Store
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Mortgages Don’t Have To Be Scary

Buying a home is a big deal. You deserve clear language, clear timelines, and clear expectations. At BankSouth Mortgage, we believe that your lender should be on your side.

We’ll make sure you feel comfortable with your choices, confident in your decisions, and informed every step of the way.

Learn how the process will work, meet the people you’ll be working with, and get the information you need to move forward.

What Happens After I Prequalify?

 
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Step 1

Initial Mortgage Consultation

When you begin thinking about buying a home, contact BankSouth Mortgage to get prequalified. A prequalification 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 interest rates. Simply follow this link to securely apply online. This will give your loan officer the preliminary information they need to determine your prequalification. This is also the perfect time to get set up with our electronic portal to make it easier to securely exchange documents and information throughout the mortgage process.

Step 2

Initiate Loan Application

Once you go under contract, we will provide you with an initial list of documentation needed to begin processing your loan. Quickly providing all requested documentation is essential to moving through the loan process without delays. Also, your BankSouth Mortgage expert will discuss locking in your interest rate and encourage you to get a hazard insurance quote from an insurance agent.

Step 3

Disclosures

Once we have a complete application, we will prepare a packet of disclosures for you to sign. Included in these disclosures is the Loan Estimate, which contains information on the cost of your loan. It is very important to review this closely and talk to your loan officer about any questions you may have. Revisions to your loan later on in the process may push your closing date back. It is extremely important for you to sign and return all disclosures within 24 hours from receipt. Any delay with returning your disclosures may delay your closing. Fees for your appraisal will be collected once we have received your disclosures and payment information.

Step 4

Estimated Market Value

Once you have received your Loan Estimate and disclosed your intent to proceed, BankSouth Mortgage will order your title work and appraisal. The appraisal process identifies the market value for the property. These generally take at least 10 days from the date requested to delivery. As soon as we receive the appraisal, we will provide you and your realtor* with a copy.

*We commit to providing timely and accurate information to your realtor when prior authorization is received from you.

Step 5

Loan Processing

Next, the loan moves to a loan processor, who reviews the file to ensure all the proper documentation is included. You may be contacted to provide any outstanding or additional items, and verifications of employment, etc. may be obtained. Once all the requested information is gathered, the loan will be passed on to underwriting so that a final determination can be made. By this point in the process, please try to limit changes to your contract to ensure a smooth closing.

Step 6

Underwriting

An underwriter will investigate the information in the file and make the final decision on the loan approval. Underwriting can take as little as one day and up to two weeks, depending on the type of transaction and market conditions. Because each loan is unique, it is common practice for the underwriter to request additional documentation to support what was submitted in the original file. We will notify you if additional items are needed, as well as when a final decision has been made.

Step 7

Review Your Closing Disclosure

A critical component of the loan process is YOUR confirming receipt by signing the Closing Disclosure (CD) a minimum of 3 business days before closing. This document further reviews the cost of your loan. BankSouth Mortgage makes every effort to send you this document with ample time to review. However, due to the often expedited nature of the mortgage process, you may receive this document close to the third day prior to closing deadline. As soon as you are able to review this document, it is imperative you sign and return it as quickly as possible. Signing only confirms your receipt of the CD. This integral step requires close communication with your lender to ensure an on-time closing.

Step 8

Closing!

Three days after you return your signed Closing Disclosure, you are able to close on your loan! Depending on the amount due at closing, you may need to send a wire to the closing attorney. At the closing, you and the seller will be required to sign the final loan closing documents. After the closing documents are signed, BankSouth Mortgage will wire funds for the amount of the loan to the closing agent. The closing agent will disperse the funds. The deed that transfers the title from the seller to you will be sent to the county in which the home is located to be recorded. You will receive the original deed once it has been recorded along with your owner’s title insurance policy if you purchased insurance at closing.

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