Team Garcia Dyess provides personalized mortgage solutions for homebuyers and trusted lending support for real estate agents and builders throughout Atlanta, GA and the surrounding metro area. With decades of combined experience, Theresa Garcia and Joy Dyess bring a powerful blend of industry expertise and relationship-driven service, helping clients and partners navigate the home financing process with clarity, confidence, and consistency.
As a mother-daughter team, Theresa and Joy offer a unique combination of experience, perspective, and shared commitment to the people they serve… creating a level of trust, communication, and care that extends beyond the transaction. Their approach focuses on mortgage financing solutions, including new construction loans, traditional home loans, and tailored lending strategies designed to meet the needs of today’s Atlanta homebuyers and real estate professionals.
Theresa Garcia is known for her expertise in new construction lending and builder partnerships, with over 30 years of experience structuring complex financing and coordinating closely with builders, agents, and buyers to keep transactions moving smoothly from contract to closing. Joy Dyess brings over 15 years of mortgage experience and a client-first approach focused on clear communication, thoughtful guidance, and creating a smooth, supportive experience from application through closing.
Homebuyers across Atlanta trust the team for clear, step-by-step guidance and personalized loan solutions that make the mortgage process feel manageable and straightforward. Real estate agents and builders rely on them as a responsive, solutions-oriented lending partner who communicates proactively, helps protect timelines, and enhances the overall client experience. Their focus is simple… deliver a seamless mortgage experience built on trust, attention to detail, and lasting relationships throughout the Atlanta market.
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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
Multiple, standard mortgage options for qualifying homebuyers and homeowners.
Construction
Create your dream home with a loan that provides funds to cover the cost of building or rehabilitating a home.
FHA
Mortgages insured by the Federal Housing Administration requiring lower minimum credit scores and down payments - especially popular with first-time homebuyers.
USDA Rural Housing
A USDA home loan helps low to moderate income families buy affordable homes in rural areas.
Refinancing
Replace your old mortgage with a new one to lower your rate, reduce your loan term, or cash out home equity.
VA
Special financing for military veterans, service members, and surviving spouses offering favorable terms with options to buy, build, renovate, or refinance a primary residence.
Low to No Down Payment
VA loans, USDA loans, FHA loans and other options that help buyers finance their new home while putting less money down.
Jumbo Loans
For buyers considering higher-end properties – Jumbo loans can help provide the financing you need.
Renovation Loans
Want to fix up your existing home? A renovation loan gives you the funds to make those renovations updates to your home.
Estimate what you can afford
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.
Get preapproved for a loan
Ready to look for a home? A preapproval gives you – and sellers – confidence that you’re ready for the next step.
Easily Apply for Your Mortgage
Apply anytime and anywhere - from your phone or tablet. No waiting, No paper. No need to visit a loan office.
Securely submit, review and sign
Submit required documents and forms through our state-of-the-art app with our encrypted and secure portal.
Track your loan progress
Check the status of your mortgage and see what steps are ahead in the process.
Stay in touch
Securely communicate with your loan officer and agent if you have questions or need to provide other information.
Close quickly, enjoy your home sooner
Review your closing package and sign most documents prior to closing.
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.
