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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Martha C D
Posted on April 7, 2024
Nikki was the BEST! She was very helpful and knowledgeable. She made the process easy and answered all of my questions before I even had to ask. I will defiantly use her again in the future.
Reply from Nikki Rodgers
Thank you so much for your kind words, Carrie. I'm thrilled to hear that you found the process easy and that I was able to anticipate and answer all your questions. I'm always here to help with any future mortgage needs. Thank you for choosing BankSouth Mortgage.
Kenneth W J
Posted on April 4, 2024
Mrs. Nikki Rodgers was very knowledgeable, patient, and understanding of any issues, which made the process smooth and pleasant, from start to finish. I would highly recommend Mrs. Rodgers to anyone, as I have zero doubts they would be in great hands. This review soley represents Mrs. Rodgers. Based on the service I recieved, I think the her professionalism and rapport implemented into a business training solution would make a positive impact to the customer's experience.
Reply from Nikki Rodgers
Thank you so much for your kind words, Kenneth. It was a pleasure assisting you and I'm thrilled to know that the process was smooth and pleasant for you. Your feedback is greatly appreciated and it will help us to continue to improve and offer the best possible service. Your recommendation means a lot to me and to the entire team at BankSouth Mortgage. I'm delighted to have left a positive impression and I'll work hard to continue to provide the same level of service in the future.
Rebecca F
Posted on April 2, 2024
Nikki and her team went above and beyond assisting us during the mortgage application and closing process. The team were very personable and respectful. We would definitely refer others to Nikki for their mortgage journey.
Reply from Nikki Rodgers
I'm thrilled to hear that you had a positive experience with our team during your mortgage process. We take pride in being personable and respectful to all our customers. Your kind words mean a lot to us. If you ever require further assistance, please do not hesitate to reach out. Thank you so much for considering referring others to us, it's the greatest compliment we could receive.
David F
Posted on April 2, 2024
Nikki and her team make our closing very easy. They were very helpful and curious.
Reply from Nikki Rodgers
I'm sincerely grateful for your kind words, David. I'm thrilled to know that my team and I were able to make your closing process easy and satisfying. Providing helpful and courteous service is always our top priority at BankSouth Mortgage. I look forward to assisting you again in the future. Thank you for awarding us with a 5-star rating, it means a lot!
Kelly G
Posted on February 28, 2024
Nikki was outstanding to work with. As a realtor, she always does a great job with my clients and I never hesitate to refer her to anyone. Such a great job that I decided to trust her as my lender for my own personal transaction for my first investment. She goes above and beyond and I am so thankful for all that she did for us during the process! Thanks Nikki!
Reply from Nikki Rodgers
I'm thrilled to hear such positive feedback, Kelly! It's always my goal to provide excellent service, particularly with important endeavors . Your trust in me to be your lender means a lot, and I'm glad to know that I was able to meet your expectations. I'll always be here to assist you or any of your clients with your mortgage needs in the future. Thank you so much for the wonderful review and your continued support!
Anthony R P
Posted on April 4, 2024
Jen made the nightmare of buying a house the easiest experience. 10/10 would recommend her for anyone wanting to purchase a home.
Morgan E C
Posted on April 4, 2024
So sweet & always got a quick response.
Reply from Jennifer McCranie
I'm delighted to hear that you had such a positive experience with me at BankSouth Mortgage, Morgan. Your satisfaction is my top priority and I'm glad to know that I was able to meet your expectations. I strive to provide quick and efficient service while maintaining a personable approach. Thank you so much for your kind words and the 5-star rating. I look forward to assisting you again in the future.
Rebekah M
Posted on February 19, 2024
Jennifer and her team were very friendly, informative and kind during the entire process. She was very personable yet professional at all times. I really appreciate the smooth process in buying my new home!
Reply from Jennifer McCranie
Thank you so much for your review, Rebekah! It was a pleasure to help guide you through the mortgage process at BankSouth. I'm so happy to hear that you found my team and I to be friendly, informative and kind. We strive to deliver a smooth, personable, yet professional experience to all our customers. Enjoy your new home and don't hesitate to reach out if there's anything else you need!
Derick E W
Posted on February 16, 2024
Jennifer I can't thank you enough you made this process easy and would have not been able to get through this with out you. you've gone upbove and beyond.
Reply from Jennifer McCranie
Derick, I appreciate the kind words and the highest rating. It was my pleasure to guide you through the process and ensure everything went smoothly. Your satisfaction is my priority, and I'm thrilled to hear that you felt supported. Don't hesitate to reach out if you ever need anything more. Thanks again for choosing me and BankSouth Mortgage.
Kintiyana S
Posted on February 11, 2024
Overall experience was great, We were educated on every step and was overall comfortable working with Jennifer
Reply from Jennifer McCranie
I'm truly grateful for your kind review, Kintiyana. It was a pleasure guiding you in every step of the process and I'm glad you felt comfortable working with me. Your positive feedback is what motivates me to deliver great service. Please don't hesitate to reach out to me at BankSouth Mortgage if you have any future needs or queries. Thank you for entrusting me with your business.

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.