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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Lauren L P
Posted on February 20, 2024
Nikki was absolutely phenomenal throughout the entire process! With this being my first time purchasing a home, I had no idea what this process was like. She made it so smooth, so efficient, and was so helpful every step of the way. We were able to close almost two weeks before the initial closing date because of how awesome she was! I could not have dreamed of a better experience.
Reply from Nikki Rodgers
Thank you so much for your kind words, Lauren! I'm thrilled to hear about your positive experience. As a first-time home buyer, it can definitely be a daunting process, but I'm glad I could make it smooth and efficient for you. It was absolutely my pleasure to assist you and I'm delighted we could close earlier than expected. It was a pleasure working with you and if you ever need any assistance in the future, don't hesitate to reach out. Best wishes on your new home!
Michael S
Posted on February 19, 2024
I cannot begin to tell you how fortunate I was to find VA Specialist, Nikki Rodgers. When I found the house I wanted to buy I started contacting VA Specialists that I was familiar with in the past. Each one took some of my information and promised to get back with me as soon as possible. I guess they were not that interested. Some called back in 2 - 3 days and some not at all. after numerous times trying to call them, I was frustrated, to say the least. I then found Nikki Rodgers. When I called her she immediately started the normal questioning process and said she would get back with me soon. I was very pleased whn she called me back the same day and said that she had started the process for me to purchase the home. The entire process with Nikki was outstanding! Nikki kept me informed every step of the way and answered my questions the same day without hesitation. Nikki was actually like a "Breath of Fresh Air" compared to all the other VA Specialists I had tried to work with. Nikki Rodgers, I want to thank you and your team at BankSouth for a very smooth process in purchasing this home. I most deffinitely will recommend you to other potential buyers and should I need to purchase another home in the future, you will be my first contact! Thank you so very much, Michael Smith
Verna H
Posted on January 19, 2024
Throughout the mortgage loan process, the professionalism of Mrs. Nikki Rodgers was unmatched! The entire team worked together and was always knowledgeable of the current status of our loan. They made the process enjoyable by minimizing unnecessary paperwork and being available to answer our questions. We felt valued. If we ever buy another home, we'll be sure to contact Team Nikki Rodgers!
Reply from Nikki Rodgers
I am incredibly grateful for your kind words, Mrs. Verna! It's always rewarding to hear that our dedication to professional service and efficient processes is noticed and appreciated by our clients. Our team makes it a priority to provide knowledge and assistance every step of the way, and your positive experience affirms the hard work we put in. I'd be more than happy to work with you again should you decide to purchase another home in the future. Thank you for choosing BankSouth Mortgage and Team Rodgers!
William A H
Posted on January 9, 2024
Nikki is very helpful and explains things in depth. She is easy to get in contact with and works hard to secure the best interest rate.
Reply from Nikki Rodgers
Thank you for the kind words, William! I'm thrilled to hear that you found my services helpful. It's always my goal to provide clear explanations and the best possible rates for my clients. Your satisfaction is my top priority. Thanks again for choosing BankSouth Mortgage and for the fantastic review. Looking forward to assisting you in the future.
Casey R H
Posted on January 9, 2024
Nikki went above and beyond to make this process as seamless as possible. She thoroughly answered our questions and made herself exceptionally available. We valued her professionalism, communication, and personability!
Reply from Nikki Rodgers
Thank you so much for your kind words and incredible rating, Casey. It was truly my pleasure to assist you through this process. I'm delighted to hear that you found the experience to be seamless and that you felt well-informed and supported. I always aim to be available for all my clients to answer any questions and offer clarity. Your satisfaction and peace of mind are my top priorities. I'm thrilled to have been able to provide a service that met your needs and expectations. Thanks once again for choosing BankSouth Mortgage. Looking forward to assisting you 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.
Alysse S
Posted on February 5, 2024
Jennifer was awesome! Very detailed and professional!
Reply from Jennifer McCranie
I'm truly appreciative of your kind words, Alysse. It was my pleasure to assist you and I'm thrilled that you found my services detailed and professional. Providing a seamless experience is always my goal and I'm glad I was able to achieve it for you. Thank you for choosing BankSouth Mortgage, and don't hesitate to reach out if you need any further assistance.
Andrew D
Valdosta - GA
Posted on February 4, 2024
Jennifer was a pleasure to work with, she effectively communicated and made the loan process as comfortable as possible. She was knowledgeable and professional in her work and helpful and responsive when answering questions and relaying information. Would definitely work with Jennifer again in the future as well as recommend her services to anyone.
Reply from Jennifer McCranie
I'm truly humbled by your kind words, Andrew. I strive to provide the best service to my clients and I'm glad to hear that your experience with the loan process was comfortable. I appreciate your willingness to recommend my services and I look forward to working with you again in the future. Thank you for taking the time to review my services and for choosing BankSouth Mortgage.

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

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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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