Taylor-Hanner Team

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Taylor-Hanner Team Lenders

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About Taylor-Hanner Team

The Hanner-Taylor Team is 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. That 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.  Be it 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 homebuyer are affordable housing, digital home search tools, and 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 is different, 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 they are making…we make sure we’ve educated them and advised them on the best fit for their family.
Liz Taylor NMLS #659062 | Angela Hanner NMLS #658870


Total Reviews
Powered by Experience.com
Gwendylon T
Posted on December 30, 2022
Liz Taylor was the perfect fit for me! I sincerely appreciate how hard she fought to keep our no cash refinance alive (it was an arduous process).
Ronald T
Posted on December 28, 2022
Perseverance! Throughout the construction delays Liz and her team kept adjusting. Paperwork had to be prepared countless times and yet they remained professional and led us through closing. Great job by all involved!
Jacob D
Posted on December 28, 2022
Liz is the BEST
Andrew D
Posted on December 24, 2022
Liz was a pleasure to work with.
Charley H W
Posted on November 22, 2022
Liz and her team were phenomenal!! They were available for every question we had and treated us with respect and kindness!! We were able to close quickly because they were so organized and communicative!
Melisa P S
Posted on January 14, 2023
Angela and the entire team at BankSouth were amazing. We had received inadequate service from another finance company which lead to us having to completely start over….Angela took our situation and ran with it. She and the entire BankSouth team did such an amazing job that we were still able to meet our closing date. Not an easy task considering that this took place over the holidays and while we were out of the country for a week. We would recommend Angela and BankSouth to anyone needing financing services!
Christopher L S
Posted on January 14, 2023
Angela is remarkable! She took the time to understand our situation, our needs, and a rather aggressive timeline for the purchase of our new home. Then she went to work and kept us in the loop each step of the way. Far and away a great experience!
Penni L
Posted on December 31, 2022
Angela is amazing! She has helped us with 3 home loans. Every time she gives us multiple options and thoroughly explains everything. She is responsive, thinks out of the box, and can make your home loan experience, easy. There is nobody better!
David M M
Newnan - GA
Posted on November 3, 2022
Can’t say enough, how much we enjoyed working with Angela. Very knowledgeable, friendly and thorough. This was the smoothest loan experience we have ever had.
Nancy L M
Newnan - GA
Posted on November 2, 2022
Angela is so professional and responsive. She made this a very pleasant experience!! Thank you!!

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.

Conventional mortgages can be the perfect match for those with a good credit history looking for a variety of down payment options and loan amounts.

These mortgages follow the lending guidelines set forth by government-sponsored enterprises like Fannie Mae or Freddie Mac. A conventional mortgage can come with super low closing costs and flexible payment options.


  • Down payments as low as 3%
  • No mortgage insurance options
  • Low monthly mortgage insurance, if required
  • Multiple mortgage insurance payment structures available, if required

Did You Know?

There are several types of conventional mortgages

Fixed Rate

For borrowers that prefer to keep the same rate and same monthly payments throughout the duration of their mortgage, a fixed-rate mortgage may be right for you. BankSouth Mortgage offers a variety of down payment options for fixed-rate mortgages.

Adjustable Rate

This type of mortgage starts with a fixed rate for a set determined amount of time (3, 5, 7 or 10 years), with the possibility of the rate changing for the remaining life of the loan. ARMs typically offer lower initial rates and, therefore, lower initial monthly payments than fixed rate mortgages, which makes this type of mortgage ideal for borrowers who don’t plan to be in their home very long or who want to take advantage of falling interest rates without refinancing


Mortgages above $548,250 are considered jumbo mortgages and have special rules. Because of the large size of these loans, the interest rates tend to be higher and the approval requirements more stringent. BankSouth Mortgage offers jumbo programs with low down payments.

FHA loans offer many benefits for those seeking a low down payment with less than perfect credit. As an FHA-approved lender, BankSouth Mortgage may offer you this type of loan, which is guaranteed by the Federal Housing Administration, to provide you with more financing options.

With less restrictive qualification guidelines, these loans are designed to benefit many first-time homebuyers. In fact, some borrowers may qualify for down payment assistance. BankSouth Mortgage also offers FHA refinance products, including low documentation or streamline refinance options.

Contact a BankSouth Mortgage expert for more details


  • 3.5% down payments
  • Gift funds allowed for down payment
  • Higher debt-to-income ratios allowed
  • Non-occupant borrowers allowed
  • Thin or alternate credit allowed

Did You Know?

FHA also provides renovation loans! FHA’s Streamline Refinance program allows qualified FHA-insured homeowners to refinance without an appraisal.

BankSouth Mortgage is honored to offer this special financing to our country’s military personnel. VA loan programs offer favorable terms and include options to buy, build, renovate, and refinance your primary residence. Veterans and spouses may also qualify. Contact a BankSouth mortgage advisor for more details.


  • 100% financing options available
  • No monthly mortgage insurance
  • No borrow paid underwriting costs or lender origination fees (optional)
  • Thin or alternate credit allowed

We invite you to speak with one of our Mortgage Bankers about learning if a VA Loan or VA Renovation might be right for you.

Did You Know?

You can request proof of eligibility by contacting the VA Loan Eligibility Center (1-888-768-2131) or by having your BankSouth Mortgage Banker request this certificate on your behalf.

VA loans have a one-time Funding Fee, unless the Veteran/borrower is exempt, with no monthly fee charged.

No downpayment? No problem! Our low to no downpayment options include downpayment assistance options!

Contact a BankSouth mortgage advisor for more details.


  • 3% downpayment
  • Fixed rate loan
  • Available for primary, second and investment properties

FHLB First Time Homebuyer Program

  • Up to 100% financing
  • Up to $7,500 in assistance for first time homebuyers
  • Up to $10,000 in assistance to COVID essential workers, veterans, active-duty military or surviving spouses

Georgia Dream

  • Up to $5,000 in assistance
  • Up to $7,500 for police, fire, educator and healthcare workers
  • Available for first time buyers or those who’ve not owned a home in the last three years

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
  • Google-Play

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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