The Brown Team

Apply Now

The Brown Team Lenders

Apply Now

About The Brown Team

The Brown Team, led by Laura and Bo Brown, brings over 30 years of combined mortgage industry experience. Specializing in conventional, FHA, and VA loans, they also have extensive expertise in assisting first-time homebuyers and clients purchasing new construction. The team is dedicated to building lasting relationships with clients, viewing each interaction as an opportunity to serve as trusted advisors. Their commitment is to provide a smooth, personalized experience that not only meets but exceeds expectations, helping clients achieve their dream of homeownership.

Loan Support Team

  • Nic Smith
    Loan Officer Assistant
  • Rebecca Rhoades
    Loan Officer Assistant
  • Will Riley
    Processor

Reviews

4.8
Ratings
951
Total Reviews

Powered By

BirdEye.com
J
Jenielle Rowe
Posted on November 27, 2024
5.0
Where do I begin?? Bank south was truly amazing. There were super efficent and their communication was on point! Whenever they needed documentation from myself or my fiance, they made sure to communicate with the both of us and were clear with what was being requested. Any question we had was answered in a timely manner and they made sure to follow up with us at every turn. The website they used to have of e-sign and upload our documents was so easy to use and it made our closing process so easy. I would love to do business with them again. My fiancé and I are in our new home and loving how easy the transition was to becoming new homeowners for the very first time and during the holidays no less! I want to thank Laura, Nic, William and the entire Brown team at Bank south, thank you all so much! 
J
Javaughn Jones
Posted on October 21, 2024
5.0
I didn’t know a mortgage transaction could be so smooth. The team actually cares and takes the time to actually work with you rather than just trying to get you into a loan.
J
Jay
Posted on October 19, 2024
5.0
This is a great company with a great group of people that made this process a breeze. I wasn't overwhelmed with paperwork and I was constantly updated throughout the process. Closing was fast and everything was well organized.
H
Hope Williams
Posted on October 12, 2024
5.0
Very informative and provided detailed explanations to all my questions and/or concerns.
M
Michael Boulware
Posted on October 9, 2024
5.0
I had an excellent experience working with the Brown Team at Bank South. As my lease was nearing expiration, I needed to expedite the closing process for a smooth transition to homeownership. The team assured me that they could make it happen, and they did within three weeks! Being a first-time homebuyer, the process was daunting, but the team's professionalism, responsiveness, and support made it much easier. They ensured that I understood each step, making the underwriting phase manageable. Special thanks to William Riley for his assistance in obtaining the necessary documentation for gift funds in the correct format. I am highly satisfied with Bank South and will recommend them to my family and friends.
N
Nikki R
Posted on October 9, 2024
5.0
It was great experience having the Bank South Mortgage team working along side of me. The communication between us was very clear; and they always had the time to respond to any of my questions or concerns. I was at ease during my closing; knowing that I was in the best hands. I can not thank them enough for their professionalism and kindness during my season of change.
B
Betty Mace
Posted on September 12, 2024
5.0
Laura Brown's team is Excellent!!! They were all on point! They kept me on point and updated. (Nic, William, and Kristan) Forgive me if I left anyone out!!! You all are wonderful! I am a happy customer!
K
Kimberly Cobbs
Posted on August 14, 2024
5.0
My experience with Banksouth was nothing short of amazing! Everyone involved was kind and helpful. Anything I needed they were always a call or email away.
J
Jonathan Carmack
Posted on May 6, 2024
5.0
Had an easy time getting through the mortgage process and getting to closing. After dealing with some other banks on previous houses I've bought, this was MUCH easier to deal with.
L
Lisa Bowie
Posted on April 29, 2024
5.0
The quickness of the process.
G
Germaine Andrews
Posted on April 20, 2024
5.0
It would have been better if William Riley had been a better commentator. During most communications with William it seemed like he was unsure and distracted. Communications seemed vague.
P
Patrice Adams
Posted on April 16, 2024
5.0
My experience was awesome. The process was smsmooth and efficient. Thank you Laura Brown and team for partnering with me through this journey.
K
Kameryn Shargois
Posted on April 14, 2024
5.0
During my home buying process, this BSM was very helpful and communicated with every step of the way. The process was seamless and there were no delays. I appreciate all the hard work from everyone. Thank you
E
Esther Paul Isang
Posted on April 8, 2024
5.0
it was fast and easy with clear communication, and step-by-step solutions to any questions I had
S
ShaShona Mosley
Posted on April 7, 2024
5.0
Excellent team!
N
Natasha Floyd
Posted on April 2, 2024
5.0
I am a new Bank South mortgagor. I am thrilled to share my exceptional experience with Bank South Mortgage! From start to finish, my loan was closed in an impressive under 30 days, thanks to the tireless efforts of my dedicated personal loan officer Laura Brown and her Team. Throughout the process, I felt completely supported and heard, with all my concerns addressed promptly and professionally. I work for HUD and my FHA loan required a few more steps than normal. I was worried about delays in processing and being able to meet a tight deadline to vacate my current property. The team's diligence and expertise allowed me to sleep soundly at night, knowing my loan was in good hands. I want you to know that going forward I will highly recommend Laura Brown and her Team for a seamless and stress-free mortgage experience! UPDATE: I was faced with an unexpected emergency and needed to close on my home earlier than expected. Laura Brown and her Team went above and beyond to make it happen! Despite the tight deadline, they worked tirelessly to expedite the process and ensured a smooth closing. Thanks to their exceptional service and dedication, I was able to finalize my home purchase ahead of schedule. I'm truly grateful for their help in a time of need.
N
Natasha Floyd
Posted on March 27, 2024
5.0
My name is Natasha and I am a new Bank South mortgagor. I am thrilled to share my exceptional experience with Bank South Mortgage! From start to finish, my loan was closed in an impressive under 30 days, thanks to the tireless efforts of my dedicated personal loan officer Laura Brown and her Team. Throughout the process, I felt completely supported and heard, with all my concerns addressed promptly and professionally. I work for HUD and my FHA loan required a few more steps than normal. I was worried about delays in processing and being able to meet a tight deadline to vacate my current property. The team's diligence and expertise allowed me to sleep soundly at night, knowing my loan was in good hands. I want you to know that going forward I will highly recommend Laura Brown and her Team for a seamless and stress-free mortgage experience!
L
Lisa Robinson-Nieves
Posted on February 15, 2024
5.0
Banksouth Mortgage The Brown Team is an awesome team. They follow up and is superb with transparency and effective communication. I would recommend them to anyone purchasing a home.
A
Althea Corbett-Akinkunmi
Posted on February 11, 2024
5.0
My experience was very positive. The communication was perfect and I felt that they had all my best interests at heart. I usually get stress out in situations like this but not this time!!! Thank you for everything!!!
A
Aaron Ball
Posted on January 29, 2024
5.0
Smooth transactions between each phase

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

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

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.

Resources