Taylor-Hanner Team

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Taylor-Hanner Team Lenders

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About Taylor-Hanner Team

We are unique because we are seasoned mortgage professionals who have worked together for many years and have been involved in many aspects of the mortgage loan process during our careers. Our experience counts for something, and our clients benefit immensely from our knowledge. We love that we are not limited to just one type of market but that we get to service many clients in various stages of life, from first-time homebuyers to those sizing up to accommodate their growing families and, with those sizing down, getting back to the basics. Whether refinancing, new construction, or various life events, our clientele is diverse, and we thrive on that variety. Words often used to describe our level of service are compassionate, accessible, and genuine. That is on purpose! We work for our home buyers and often walk hand in hand with them throughout the loan process but then serve as a resource for mortgage-related questions down the road. We wouldn't have it any other way. We are your neighborhood experts! We have lived and worked in the Fayette and Coweta County market area for over 25 years, and we have embraced the growth and evolved with the changing real estate needs and challenges. Our lending area encompasses all of Georgia and surrounding states. The needs of today's homebuyers are affordable housing, digital home search tools, mortgage options, and the expertise of a good lender to guide them through the plethora of online information and mortgage loan options that are out there. It can be overwhelming, and finding someone who knows where to start is half the battle. We approach our business by always making ourselves available and responsive. We listen and are attentive to every buyer or refinance because every situation differs, and one size does not fit all. We're creative and look for the right mortgage options for each client based on their current and future home, life, and career plans. It's a long-term purchase that our clients make, and we ensure we've educated them and advised them on the best fit for their family.

Reviews

4.98
Ratings
473
Total Reviews
Powered by Experience.com
M
Mark R C S
FAIRHOPE - AL
Posted on January 18, 2024
5.0
verified-review
My husband and I just closed on a cash out refinance on our home and Liz made the process seamless. Liz is the most professional Loan officer that I have ever met. I have been a licensed Realtor for over 30 years and Liz is the best in the business! SHEILA CARLISLE
Reply from Liz Taylor
I am absolutely delighted to hear such positive feedback, Mark and Sheila! Ensuring a seamless and efficient process for my customers is always our number one priority, and I'm thrilled to know that we were able to make your refinance experience a pleasant one. Your kind words mean a lot, especially coming from a seasoned professional like you, Sheila. Thank you for trusting me and BankSouth Mortgage with your refinancing needs. I am looking forward to our next one!
E
Elmer L S
NEWNAN - GA
Posted on December 28, 2023
5.0
verified-review
Liz Taylor is like no other mortgage representative that I have had the pleasure of meeting. She explains and responds to all inquiries, no matter how small or large. A true consummate professional who works hard and who adores her craft.
Reply from Liz Taylor
Thank you so much Lee and Erma! I'm dedicated to providing the best service possible and it's wonderful to hear that it made a difference in your mortgage experience. Your satisfaction is my top priority, and I'm thrilled that I've been able to meet your expectations. Looking forward to assisting you with all your future mortgage needs.
K
Karen C
ATLANTA - GA
Posted on December 9, 2023
5.0
verified-review
Liz and her team are amazing. They are so easy to work with and very professional. I would recommend them to anyone.
Reply from Liz Taylor
Thank you for the 5-star rating, Karen! We strive to provide a smooth and professional experience for all our clients and we appreciate your repeat business. Your recommendation means a lot to us. Thanks so much.
K
Kimberly A H
SENOIA - GA
Posted on September 21, 2023
5.0
verified-review
Liz was amazing to work with-
Reply from Liz Taylor
Thank you so much Kim. I enjoyed working with you and Kevin on the construction financing for your beautiful dream home!
H
Harry J Z
ATLANTA - GA
Posted on September 9, 2023
5.0
verified-review
Professional, responsive service
Reply from Liz Taylor
Thank you Jim! Hope you enjoy your new home!
S
Shaun K
JONESBORO - GA
Posted on November 23, 2023
5.0
verified-review
Angela was so wonderful and kind and thorough with helping me find my home. I couldn’t have had a better person to help me find my home.
Reply from Angela Hanner
Thank you so much for your kind words, Shaun. I'm thrilled to hear that you had a positive experience with me at BankSouth Mortgage. It was truly a pleasure helping you find your home. Your satisfaction is my top priority and I'm glad I could meet your expectations. I appreciate the 5-star rating and look forward to assisting you with any future needs. Enjoy your new home (and hopefully the largest TV that the walls would allow)!
A
Alyssa N
NEWNAN - GA
Posted on November 11, 2023
5.0
verified-review
Angela was always very helpful and ready to answer any questions. She made the process streamlined and supported us. She also was great at laying out options and giving us the pros and cons of each.
Reply from Angela Hanner
I'm truly grateful for your positive feedback, Alyssa. I'm thrilled to hear that you found my assistance helpful during the process. It's my job to ensure my clients feel supported and educated on all possible options to make the best decisions. Thank you for choosing BankSouth Mortgage and for your 5-star rating. Please don't hesitate to reach out in the future if further questions arise. Best, Angela Hanner.
M
Michael F M
Senoia - GA
Posted on November 8, 2023
5.0
verified-review
Angela is a true professional. She gave us expert advice all along the way tailored to our situation. Would highly recommend her.
Reply from Angela Hanner
I'm truly grateful for your kind words, Michael. It's always a pleasure to provide unique solutions tailored to each customer's needs. Your positive feedback serves as a great motivation. Thank you for trusting in me and BankSouth Mortgage. We look forward to serving you in the future!
P
Pamela K H
FAYETTEVILLE - GA
Posted on October 20, 2023
5.0
verified-review
The availability of reaching out to Angela!
N
Nicholas P
SENOIA - GA
Posted on September 21, 2023
5.0
verified-review
Communication was great. Always had great advice to share when I wasn’t sure of something
Reply from Angela Hanner
I'm absolutely thrilled to hear that you had a positive experience with my services, Nick. Open, clear communication is a priority for me, and I'm glad to know that my advice was helpful to you during uncertain moments. Thank you for taking the time to leave such a wonderful review and for the perfect rating. It was my pleasure to assist you. I look forward to any future opportunities to serve your mortgage needs. Best, Angela Hanner, 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

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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