The Neighborhood Lending Team

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The Neighborhood Lending Team Lenders

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About The Neighborhood Lending Team

Kim and Anne have been working alongside each other since 1997! Both moms of young children at the time, they were able to back each other up during field trips or when there were sick kids at home. Having been friends and co-workers for so long, they did the next best thing and became partners of the Neighborhood Lending Team back in 2007. Their combined experience provides valuable information, tools and resources for realtors and buyers, to ensure a smooth and stress-free financing transaction. When asked what they love about the market they serve they said, “That’s easy! We’re both natives.” Kim grew up in the Hapeville community and Anne in East Cobb. Kim now lives in Paulding County and Anne in Cherokee County, so their knowledge of the metro Atlanta area is vast. They love welcoming newcomers to the area and are always available for anything from suggestions for a date night, where to park for a Braves game, or how to navigate through 75/285 traffic! Words frequently used to describe their level of service are knowledgeable, professional, and friendly. If you spend any time with them at all, you quickly see how easy it is to arrive at the same conclusion. From their cheerful countenance to the vast array of knowledge that they share with their clients in counsel, these ladies deliver expert market insight with ease.  Their 50 combined years of experience offers a great foundation for home-owners. Whether it’s a first-time home buyer needing downpayment assistance to a seasoned investor, they understand the lending process. Having a bank that offers a wide selection of products and services enables them to offer solutions to most financial needs in the market today. Overwhelmingly, the top need of today’s homebuyers is a listening ear. Homebuyers vary and with that, their circumstances vary. Lending is much more than quoting a rate. A good lender will listen to the short-term and long-term needs of the client and make recommendations that fit both goals. When asked what their approach was to serving their agents and homebuyers alike, they responded, “It’s the BankSouth Mortgage motto of course! Be Ready, Be Responsive, Be Respectful. You can’t get better service than that!”


Total Reviews
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Posted on June 2, 2023
Anne was very supportive, she made this process very pleasant, she is very professional and knowledgeable. She was even available on odd hours making sure that the transaction be successful.
Mario B H
Posted on June 2, 2023
Anne was very supportive, she made this process very pleasant, she is very professional and knowledgeable. She was even available on odd hours making sure that the transaction be successful.
Reply from Anne Atkins
Thank you, Mario! I was honored to help you buy your first investment home!
Jordan E D
Posted on May 15, 2023
We have used Anne on both our houses and she is fantastic to work with. She is very communicative and explains everything so well. She could not make the process of buying a house any easier. This meant so much to us as we were selling and buying in the same day and was already dealing with a lot of stress from other various parts of the process.
Reply from Anne Atkins
Thank you so much for your continued confidence! It was a honor to work with you and Sarah during this exciting time in your lives!
Robert S
Posted on May 13, 2023
Anne was terrific! She was very knowledgeable, caring, and wonderful to work with!
Reply from Anne Atkins
Thank you Robert! You were a pleasure to work with and I wish you much happiness in your new home!
Willie J A
Posted on April 24, 2023
Anne was amazing to work with. She is very informative and understanding. She does everything she can to come up with a plan that works for you! BankSouth is very efficient, and they make everything very easy and secure to use! 5/5 stars! Great group of people!
Reply from Anne Atkins
Thank you Jay! It was a pleasure to work with you during this exciting time in your life! Congratulations and best wishes in your new home!
Kevin M R I
Posted on April 22, 2023
for Kim King
Kimberley A R
Posted on August 14, 2022
for Kim King
Kim was very helpful in navigating our loan process and ensuring we received the best rate lock given the ups and downs of the market. We appreciate her willingness to stay on top of things during the process.
Viviene E
Posted on May 29, 2022
for Kim King
My home buying experience was great from start to finish . My Lender Kim, was very knowledgeable, responsive to my questions and made the process as seamless as possible . I would definitely recommend Kim to all my friends and family .
Ricky B H
Posted on May 23, 2022
for Kim King
Thank you Kim!
Tyler J
Posted on May 13, 2022
for Kim King
Great mortgage experience

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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