The Wagner Team

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The Wagner Team Lenders

Jan Wagner
VP, Producing Production Manager
NMLS ID#: 152431
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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
517
Total Reviews
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J
Joy S M
FAIRMOUNT - GA
Posted on September 24, 2023
5.0
for Jan Wagner
verified-review
Jan is the best! I’ve enjoyed working with her & her coworkers - very professional & responsive. Doesn’t get much better than that.
P
Phillip J S
DALLAS - GA
Posted on September 24, 2023
5.0
for Jan Wagner
verified-review
Jan was always available and communicated with us very well. I felt much more confident during the whole process because of the help we received from Jan.
J
Jessica E C
DALLAS - GA
Posted on September 23, 2023
5.0
for Jan Wagner
verified-review
Jan was wonderful to work with! Quick to answer questions and always there to help!
Reply from Jan Wagner
Thank you for your kind words. I amt glad all worked out with the closing, and you will be moving into your 1st home, so exciting! Please stay in touch and reach out anytime. Referrals are always appreciated.
L
Lea R B
MARIETTA - GA
Posted on September 15, 2023
5.0
for Jan Wagner
verified-review
Jan was very patient and helpful while I was trying to purchase a ranch style home to bring my critically ill husband home from Rehab while getting our current home ready to be sold. I can not begin to sing her praises enough!!!
Reply from Jan Wagner
Lea, It was a pleasure working with you. I will keep you and Mark in my prayers. Please reach out anytime I can assist you or friends and family.
S
Steven H
MARIETTA - GA
Posted on September 13, 2023
5.0
for Jan Wagner
verified-review
Jan has been amazing in helping me getting the right mortgage for my needs. She is easily accessible by phone and the communication has been smooth. Definitely recommend
Reply from Jan Wagner
Thank you, Steven. You were definately a pleasure and i look forward to more transactions together. Reach out when you are ready.
C
Charles S
DAWSONVILLE - GA
Posted on September 7, 2023
5.0
for Jan Wagner
verified-review
Great experience working with Jan! She is very professional and operates in a timely manner. Highly recommend working with Jan!
Reply from Jan Wagner
Thank you Charlie! So happy we were able to get you in your home! Stay in touch.
R
Ricky A S
HAPEVILLE - GA
Posted on September 4, 2023
5.0
for Jan Wagner
verified-review
Jan and BankSouth as a whole have been fantastic in this purchase process! There were no issues or snafus and they took care of us the entire process even navigating a bridge loan and different lending processes!
Reply from Jan Wagner
Thank you for your kind words. You were a pleasure to work with. Please keep in touch.
J
Jennifer N
RICHMOND HILL - GA
Posted on August 31, 2023
5.0
for Jan Wagner
verified-review
Jan is a wonderful lender. She is so responsive to both text messages and emails. She helped us navigate selling and buying a home while changing jobs, always answering our questions. The online portal for signing documents and transferring files is really easy to use as well.
Reply from Jan Wagner
Jennifer i appreciated the opportunity to work together and i appreciate this review. Good luck in Savannah.
M
Matthew A T
DECATUR - GA
Posted on August 28, 2023
5.0
for Jan Wagner
verified-review
Jan and her team were amazing. Super responsive and helpful throughout the process. Would highly recommend to anyone
Reply from Jan Wagner
Thank you, Matthew. You were truly a pleasure to work with!
J
Joseph G G J
ATLANTA - GA
Posted on August 3, 2023
5.0
for Jan Wagner
verified-review
Jan was off the charts on helpfulness, efficiency and professionalism. Our loan process was very pleasant enjoyable, easy to follow and stress free. We certainly would recommend Jan and her team at BankSouth with highest marks.
Reply from Jan Wagner
Thank you, Joseph! You were truly wonderful to work with.

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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