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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Garrett S D
Posted on September 4, 2023
She is patient, informative, and dependable. She is very clear about everything, and I was very impressed by how quickly she could process paperwork and make the process move. I would not hesitate to go with her again.
Reply from Anne Atkins
Thank you so much, Garrett! And as I told you, I'm more than impressed with you - graduating from college, starting a new job, and buying a house within 2 weeks of each other is quite impressive! I wish you nothing but happiness in your first home!
Arlene S L
Posted on August 30, 2023
Anne and her team were absolutely AWESOME! They don't mess around! Communication and the Process was remarkable. Ann is the best kept secret in Atlanta!
Reply from Anne Atkins
Thank you for the glowing review of our team, your experience, and the results! It's truly rewarding to be called "the best kept secret in Atlanta". Help me spread the word! If there's anything that we can help you with in the future, please give us a call/text/email!
Andrew B
Posted on August 28, 2023
Great communication and very friendly
Reply from Anne Atkins
Thank you, Andrew! I'm so glad to hear you had a great experience with BankSouth Mortgage. I'm proud to be part of a team that strives for excellent communication and customer service. Thanks for the five stars!
Richard W
Posted on August 12, 2023
Anne kept us informed and moved the process quickly.
Reply from Anne Atkins
This was a total team effort! You and the seller were extremely responsive, our support team did a great job of moving it through quickly, and a huge shout out to Hartman Law for helping with the contract and closing it on time!
David L
Posted on August 5, 2023
She has helped us buy two houses and each experience was the same, highest quality with kindness. She is a true professional. She goes further than that GM though by caring and getting to know us.
Heather P
Posted on September 19, 2023
for Kim King
Kim was extremely patient with me and my busy schedule- she would send me e-mails with information, as well as follow up texts/calls to touch base and reiterate the most important information/upcoming deadlines. I cannot thank Kim enough- I could not have been able to navigate the home buying process without her!
Tiffany S Y
Posted on August 11, 2023
for Kim King
The clear and consistent communication was what I loved. I also loved the app. It made things as far as submitting documents a lot easier.
Reply from Kim King
Thank you so much for your positive review, Tiffany! I'm ecstatic to hear that the communication and app were helpful throughout the process. I wish you years of fun and happiness in your new home!
Robert T B
Posted on August 4, 2023
for Kim King
Kim and team are fantastic! The home buying process from start to finish was seamless. I would recommend Kim and team to all of my friends and family - 10 stars!
Reply from Kim King
Thank you for a fantastic review, Robert! My team and I are thrilled that you had a great experience from start to finish! Cheers to tons of years filled with fun and happiness in your new home!!
Julie A A
Posted on July 29, 2023
for Kim King
Kim King made everything so easy to understand and she was always available to help me with anything I needed. I’m very grateful to work with someone like her. She was very professional and always polite.🥰
Reply from Kim King
Thank you for the kind words, Julie! It was my pleasure working with you!
Kevin M R I
Posted on April 22, 2023
for Kim King
Reply from Kim King
Thank you Kevin!! I truly enjoyed working with 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.

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

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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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