The Wagner Team

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The Wagner Team Lenders

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About The Wagner Team

Jan has been an integral part of the metro Atlanta area mortgage industry since 1997. She is a Certified Residential Mortgage Specialist® who is knowledgeable in all aspects of lending, allowing her to comfortably work with first-time home buyers as well as seasoned buyers interested in second or investment properties, and retirees alike. Jan also has extensive experience in construction to permanent lending. She has received the Mortgage Bankers Association of Georgia Top Producer Gold Award every year since 2006. Her customers and referral partners often comment on her thorough communication style, ease of doing business with, and her individualized approach to obtaining the right mortgage for each client. Jan began her career in the banking industry in 1987 where she worked her way up from initially managing retirement accounts to eventually loan processing and then originating. She owned Canton Street Mortgage for a decade, during which time she was awarded Broker of the Year in 2008 by the Georgia Association of Mortgage Brokers. She joined BankSouth Mortgage in 2012, and proceeded to open the Milton branch in 2014, after two years in Roswell. Her sons, Jacob and Tyler, joined Jan’s team in recent years, contributing their talents in the mortgage field to help provide every client with a smooth and stress-free loan experience.

Loan Support Team

  • Tyler Wagner
    Production Partner
  • Jacob Wagner
    MBA / Processor Support
  • Margaret Mitchell
    Team Processor

Reviews

4.92
Ratings
466
Total Reviews
Powered by Experience.com
R
Robert L C
CUMMING - GA
Posted on January 27, 2023
5.0
verified-review
Very responsive to all questions
J
John W R
HERMITAGE - TN
Posted on January 22, 2023
5.0
verified-review
Jan was very professional, pleasant and paid attention to every detail. We highly recommend her services.
S
Stephen M H J
COMMERCE - GA
Posted on January 9, 2023
5.0
verified-review
Very easy to deal with and the step by step process before closing made it much easier to close.
M
Matthew J B
ACWORTH - GA
Posted on December 16, 2022
5.0
verified-review
Have worked with Jan on other mortgages. She is always ahead of any issues that might pop up and does a great job at communicating.
C
Connie R B
ACWORTH - GA
Posted on December 8, 2022
5.0
verified-review
We have used Jan Wagner for several transactions and she is amazing. She and her staff are friendly, professional and communicate promptly. Great customer service!
K
Kelly S P
ATLANTA - GA
Posted on November 28, 2022
5.0
verified-review
Jan and her team were such a pleasure to work with during a stressful time. She and her team were extremely responsive, kind and knowledgeable. We had a few hiccups on our side (created by us) and the team took them in stride and helped us through the process.
D
Donna D H
ROSWELL - GA
Posted on November 21, 2022
5.0
verified-review
Jan and her team were great to work with.
D
Don S S
TAMPA - FL
Posted on November 21, 2022
5.0
verified-review
Great work for a quick preapproval and super work to get our loan closed in a challenging HOA environment!
D
Daniel R H
ROSWELL - GA
Posted on November 21, 2022
5.0
verified-review
Jan and the team at BankSouth were very responsive from application through closing for our construction loan. We felt the process was smooth, relatively easy, and streamlined and would highly recommend putting BankSouth at the top of the list if in the market for a construction loan or permanent mortgage.
A
Andre S
WOODSTOCK - GA
Posted on November 19, 2022
5.0
verified-review
Hands-down the best! Every step of the way was awesome. Answered all of my questions and responded quickly. By far the easiest purchase of a house! Jan and her team are Rockstars!!!!

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.


Highlights

  • 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

Jumbo

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


Highlights:

  • 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.


Highlights:

  • 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.


97%

  • 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

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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