Team KW

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Team KW Lenders

Ivy Eilerman

VP, Senior Loan Officer

Carla Estep

Aaron Sharp

About Team KW

The KW Team is unique because we are a tight-knit group that truly cares about the client’s well-being and overall experience during the home-buying process. We want every client to feel comfortable and know they can trust us! We love the market we serve because this is our home. Some of us were born in Savannah, while some of us moved into the Savannah area and made it home. We are all in love with everything about the diversity, culture, history, and beauty of Savannah and its surrounding communities. Our team has been described as dependable, experienced, compassionate, accountable, nimble, and accurate. We strive to meet this criterion each and every day with each and every client and agent we deal with. A few things that make us an expert in our market is how much we have truly invested in our community with our presence, charity, and true passion for helping homeowners! Today’s top needs for homeowners are understanding what to expect during the loan process, understanding what the market is doing, and knowing that a home purchase is the first step in building a financial investment while simultaneously having a place to call home. We make sure the client knows that purchasing a home is building wealth and that we pair them with the best loan product available to meet their long-term financial goals. Our approach to serving clients is simple: listen and advise with truth and compassion.

Reviews

4.91

Ratings

197

Total Reviews

Jongkeun P

Savannah - GA

Posted on December 4, 2023

5.0

for Ivy Eilerman

Great and very quick responses!!!

Cole R

SPRINGFIELD - GA

Posted on November 23, 2023

5.0

for Ivy Eilerman

Fast and Easy

Patrick K

TYBEE ISLAND - GA

Posted on November 6, 2023

5.0

for Ivy Eilerman

Organized and everything happened according to plan.

Melissa H A

SAVANNAH - GA

Posted on October 30, 2023

5.0

for Carla Estep

Carla and her team made the entire process easier on us. We appreciate all the kind support and help they provided.

Reply from Carla Estep

I'm thrilled to hear that you had a positive experience with our team at BankSouth Mortgage, Melissa. Your words truly warm my heart and motivate me to continue striving for the highest standard of service for our clients. I greatly appreciate your support and your decision to take the time to share this incredibly kind review. Best wishes to you.

Derek M L

PALM COAST - FL

Posted on October 15, 2023

5.0

for Carla Estep

Carla was amazing to work with! She made my house buying process so smooth!

Reply from Carla Estep

Derek it was our pleasure to help you with your mortgage on your First Home :)

Laura E S

DAYTONA BEACH - FL

Posted on September 9, 2023

5.0

for Carla Estep

All around pleasure working with Carla.

Reply from Carla Estep

It was my pleasure to help with your mortgage.

Sean L D

HINESVILLE - GA

Posted on October 25, 2023

5.0

for Aaron Sharp

Mr. Sharp was very helpful and responsive throughout the whole process even if it was after hours he did everything in his power to assist you

Reply from Aaron Sharp

I genuinely appreciate the positive feedback, Sean. It was a pleasure assisting you throughout the process and I'm glad to hear my availability and efforts were of value to you. At BankSouth Mortgage, we strive to provide the best service at any hour. Should you have any further needs or queries, don't hesitate to reach out. Thanks for the 5-star rating!

Darlene G R

Pooler - GA

Posted on September 29, 2023

5.0

for Aaron Sharp

AARON AND HIS TEAM WERE AVAILABLE TO US AT ANY TIME. THEY WERE EXPEDIENT WITH EVERY ASPECT OF OUR MORTGAGE, VERY THE INITIAL STAGES OF PRE-QUALIFYING TO THE CLOSING. THEY MAINTAINED PERTINENT CONTACT, AND WE WERE NOT OVERWHELMED WITH TOO MUCH COMMUNICATION. IT WAS "JUST RIGHT. " WE WOULD HIGHLY RECOMMEND AARON AND HIS TEAM. WE ARE EXTREMELY PLEASED.

Reply from Aaron Sharp

I am truly grateful for your kind review, Darlene. I am thrilled to hear that you felt our communication was "just right" and that you were pleased with the expedience of our service from pre-qualifying to closing. Our team at BankSouth Mortgage always aims to be available and efficient. Thank you so much for recommending us. We are incredibly happy that you had a positive experience with us!

William B

GUYTON - GA

Posted on September 16, 2023

5.0

for Aaron Sharp

Mr. Aaron always keep me up to date on what was going on in the buying process and if there was ever a mistake he would fix it almost immediately.

Reply from Aaron Sharp

Thank you so much Josh and Leslie for the outstanding review and the perfect rating. I'm so pleased to hear that you felt well-informed and taken care of during the buying process. Ensuring a seamless experience for my clients is always my top priority. If you ever require any further assistance, please don't hesitate to reach out. Thanks 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.

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.

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.

Mortgage Ready When You Are with ReadyLoan®

What can ReadyLoan® do for you?

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.

Apply Online

Download the App

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?

1 2 3 4 5 6 7 8

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.

BankSouth Mortgage Company, LLC, NMLS #690971 is not a bank or other depository institution and is not FDIC-insured. BankSouth Mortgage Company, LLC is a wholly owned subsidiary of BankSouth, NMLS #688851, a federal savings bank and Member FDIC. Alabama Consumer Credit License #MC 21415 DBA LoanSouth Mortgage.

Team KW

Team KW Lenders

About Team KW

Reviews

The Mortgage and Lending Services You Need