The Smith-Rhoades Team

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The Smith-Rhoades Team Lenders

Nic Smith
Loan Officer
NMLS ID#: 1513238
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Rebecca Rhoades
Loan Officer
NMLS ID#: 754808
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About The Smith-Rhoades Team

Office: (678) 222-3970

Fax: (678) 336-6297

Loan Support Team

  • Will Riley
    Processor

Reviews

4.8
Ratings
961
Total Reviews

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F
Frederick Beauchamp
Posted on November 1, 2025
5.0
What a smooth process. Thanks to Rebecca and Will, I’m happily living in my new Rocklyn Home at Emerald Fields in Hudson, Florida. You were always there to answer questions during the process and you quickly resolved a minor insurance matter after the fact. Thanks.
J
Jodi Holley
Posted on October 15, 2025
5.0
The Smith-Rhoades team at Banksouth Mortgage was Great to work with! Recently, I was fortunate enough to be a buyers agent during this transaction. Will and Rebecca, were with us every step of the way. They helped the buyer feel very comfortable and explained everything to him that he asked in easy to understand terms. They were patient, Time efficient and delightful to work with through the entire process. They saved a lot of stress on our end, even when the closing date was moved up… They Made the transaction seamless. I would recommend working with this team whenever possible!
C
Christina W
Posted on September 15, 2025
5.0
Nic and his team at BankSouth Mortgage were fantastic to work with! They kept me in the loop every step of the way and made the entire process so easy and stress-free. I truly appreciated their clear communication and support throughout. Highly recommend!
C
Chasity Mcgee
Posted on August 1, 2025
5.0
C
Cecilia Escorza
Posted on July 16, 2025
5.0
I was beyond satisfied with the service I received! Nic was extremely attentive & always provided a quick response whenever I had a question. Nic also provided exceptional guidance during the entire process before closing day. As a first time homebuyer the whole process is a bit overwhelming but when you have the right guidance it makes a work of a difference. 
K
Kevin White
Posted on June 4, 2025
5.0
My experience with the Smith-Rhoades team was phenomenal. Highly recommended using BankSouth mortgage, Rebecca and Patti we’re very responsive and committed to helping me buy my first home. I couldn’t have done it without them.
C
Cherie Sebro
Posted on May 13, 2025
5.0
Nic Smith, my loan officer, was wonderful! He was informative, efficient, and really looked out for my best interests. He kept me informed about my status and answered any questions I had in a timely manner.
O
Olivia Yancey
Posted on May 6, 2025
5.0
My experience with BankSouth Mortgage company was truly great, everyone that I talked with was very helpful and professional ,thank you all so much.
T
Tammie Lowe
Posted on December 20, 2024
5.0
William Riley and the Brown Team were a breath of fresh air to work with. From beginning to end, the communication was great, and William worked tirelessly to get my client's loan to the closing table.
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.

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?

 
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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.

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