South GA Lending Team

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South GA Lending Team Lenders

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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!


Total Reviews
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Md R A
Posted on September 17, 2023
She is supper.
Zachariah D G
Posted on August 27, 2023
Nikki was fantastic! Always available, never got frustrated with our questions...and we had a ton! Would use her and BankSouth again in a heartbeat.
Amanda J G
Posted on August 24, 2023
Nikki is fantastic! She is always willing to answer questions and walk us through our construction loan process. She is wonderful to work with and we will highly recommend her to anyone we know looking for a home loan.
Reply from Nikki Rodgers
Thank you so much, Mandy! I'm so glad that you had an enjoyable experience. I'm here to help anyone I can, and I'm so grateful that you took the time to share your experience. Thank you for recommending me and BankSouth Mortgage - we really appreciate it!
Saul A R A
Posted on August 24, 2023
I had a great experience. This was my first mortgage for the purchase of a house. From the beginning until the end, the whole process went smoothly, fast, and efficiently. I am very pleased with Nikki Rodgers and Bank South Mortgage.
Reply from Nikki Rodgers
Thank you so much for your kind words, Saul! I am very glad that your experience with BankSouth Mortgage was a positive one. I'm delighted that you were able to purchase your first home and that the process went smoothly. I am proud to be part of the BankSouth Mortgage team and it is an honor to have served you.
Garrett T F
Posted on August 4, 2023
Nikki was excellent to work with throughout the entire process! Her entire team operates professionally, are extremely knowledgeable, and are eager to help when needed. Easy to recommend this team for your mortgage needs!
Reply from Nikki Rodgers
Thank you so much for the stellar review, Garrett! I'm delighted to hear you found our process straightforward and our team knowledgeable. It was a pleasure working with you on your mortgage needs. We deeply appreciate your recommendation and hope to assist you again in the future. Best regards, Nikki Rodgers, BankSouth Mortgage.
Kayla E
Posted on September 14, 2023
Jennifer and her team made the home buying process so easy and they were very informative anytime we had questions!
Posted on September 13, 2023
Jennifer and Donnie were so helpful and walked us through every step of the way, even all the set backs they were right there with us explaining what was going on!! We can't thank them enough and are so happy we made it to our goal of owning our home. Best Team Ever!
Reply from Jennifer McCranie
Hey Melissa, I hope you and Collin are enjoying your home sweet home! 🏡 I just wanted to take a moment to express my gratitude for your kind words and for your trust in me as your mortgage partner. It was fantastic working with you, and I hope you've settled into your new place comfortably. If you know of any friends or family who are thinking about their own mortgage journey and could use some guidance, I'd be absolutely thrilled if you could send them my way. Your recommendation carries a lot of weight, and I'd be honored to help them navigate the path to homeownership. Feel free to share my contact information or let them know about your positive experience. And, of course, remind them that mentioning your name will get you a special treat! Thanks again for choosing us as your mortgage team. Your support means the world to me, and I look forward to assisting your referrals with the same expertise and care! Kindest regards, Jennifer McCranie
Matthew D L
Posted on August 23, 2023
Jennifer made everything smooth and was helpful in so many ways. She really cares and it shows with how much she kept my fiancé and I updated on everything and how she would break things down and explain everything to us. She responds really fast as well.
Reply from Jennifer McCranie
Hey Matthew, I hope this message finds you well. 😊 It was fantastic working with you, and I truly appreciate your trust in our services. If you happen to come across anyone in your network who might benefit from what we offer, I'd be thrilled if you could give them a friendly nudge in my direction! Your referral would mean a lot to me, and it's the kind of support that keeps me going strong. Feel free to share my contact info or tell them about your positive experience. And, of course, let them know they can drop your name for a warm welcome! Thanks a million for being an awesome client, and for any referrals you might send my way. I'm here to deliver the same top-notch service that you've come to expect!
Maranda R L
Posted on July 4, 2023
Jennifer was patient with us as we went through finishing our construction and moving it over to a mortgage. She answered all our questions and phone calls, and walked us through the whole process!
Reply from Jennifer McCranie
Hey Maranda, I hope you are loving your cozy new home! 🏠😊 I wanted to send a big shoutout and a massive THANK YOU for choosing me as your trusted mortgage lender. You made my days a little brighter by working with me! Now, here comes the fun part: If you've got pals, family, or even random strangers at the coffee shop who are chatting about mortgages, please think of me and send them my way! I promise to be the secret sauce to their home-buying adventures. Feel free to drop my phone number or share my website with them. And of course, tell them that mentioning your name will unlock the secret vault of mortgage wisdom! 🤫 Your referrals mean more homes, more smiles, and maybe even more happy dances in living rooms across town. I can't wait to turn your friends into my next success stories! Thanks again for being awesome clients, and here's to more happy homes and even happier homeowners! 🏡🎉
Jonathan R L
Posted on July 3, 2023
Jennifer is very knowledgeable about the mortgage process and is very helpful. She will bend over backward for you to get your mortgage loan through to closing. Jennifer is the best! Thanks for working hard for us!
Reply from Jennifer McCranie
Hey Jonathan, Thank you and Maranda for trusting me with the refinance of your construction loan! It was my pleasure working with both of you throughout the process! I wanted to take a moment to express my heartfelt gratitude. Working with you was truly a pleasure, and it's been a joy to be a part of this journey with you. Your trust in me means the world, and I'm thrilled that you're now living in the house you designed. Please send referrals my way as often as possible. Referrals are the highest compliments that can be given. Thank you again for choosing me, and I wish you nothing but happiness and countless wonderful memories in your home. As always, let me know if I can help you with anything!

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

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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?

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


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


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


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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