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

The Wagner Team is led by Jan Wagner, a Certified Residential Mortgage Specialist® with over two decades of experience in the metro Atlanta mortgage industry. She caters to a diverse clientele, from first-time homebuyers to seasoned buyers and retirees, excelling in construction to permanent lending. Jan is a consistent recipient of the Mortgage Bankers Association of Georgia Top Producer Gold Award since 2006, recognized for her exceptional communication and personalized approach. Jan's career in banking began in 1987, starting with managing retirement accounts and advancing through loan processing to origination. She later owned Canton Street Mortgage for a decade, earning the title of Broker of the Year in 2008 from the Georgia Association of Mortgage Brokers. In 2012, she joined BankSouth Mortgage and, after two years in Roswell, successfully launched the Milton branch in 2014. Her son, Jacob Wagner, joined the team in recent years, contributing his talents in the mortgage field to help provide every client with a smooth and stress-free loan experience. The Wagner Team is committed to providing expert advice, exceptional service, and a positive experience for you. Trust us for all your mortgage needs and let us be part of your journey.

Loan Support Team

  • Jacob Wagner
    LOA & Processor Support
  • Margaret Mitchell
    Team Processor

Reviews

4.9
Ratings
585
Total Reviews

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N
Nikki Grant
Posted on January 6, 2026
5.0
Jan and her team are 2nd to NONE. They were able to get me to the closing table in record time for 10 properties with the utmost professionalism and knowledge. Project 10 for the WIN!!!!
M
Matthew Brown
Posted on December 19, 2025
5.0
The are the best in the business. Great communication and super fast closing times. We have used them many times and it’s always a great experience. Highly recommended!!!
J
James Alfano
Posted on November 21, 2025
5.0
We have worked with Jan and her team 5 times now and we wouldn't contemplate working with anyone else for our mortgage needs.
C
Caleb Riso
Posted on October 26, 2025
5.0
Excellent job! Thank you!
C
Caleb Riso
Posted on October 24, 2025
5.0
5 STARS! This process can be difficult, but Jan made this easy. Thank you Jan and team.. we are super excited!
B
Brian Seifried
Posted on October 19, 2025
5.0
Working with Bank South Mortgage and Jan Wagner is truly professional experience and they are a testament to their profession. The entire team is knowledgeable, professional and very polite. They are always available day/night or weekends. I can't say enough about their depth of experience and thoroughness and professionalism. They are a full service team and a trusted advisor. Jan Wagner and Bank South Mortgage make my job easier.
T
Thor Goricki
Posted on September 24, 2025
5.0
Jan had a client with special loan needs and did a great job getting it through the finish line.
C
Casey Small
Posted on September 23, 2025
5.0
Jan worked so hard to get me approved for a mortgage when nobody could. Her efforts are greatly appreciated. I would highly recommend Jan Wagner and all the folks at Banksouth Mortgage.
J
Jan Wagner
Posted on September 12, 2025
5.0
Jan Had the loan approved and ready well before the closing date. The process was very smooth.
M
Matt Becton
Posted on September 10, 2025
5.0
The process was quick, and eventually everything got sorted. No big problems at all!
S
Shelby Renee Bader
Posted on September 10, 2025
5.0
Jan was a 10/10 on every single step of buying our new home. I could not have been more pleased with her attention to detail, professionalism but yet extremely friendliness, and her knowledge in the industry. Could not recommend her enough!!! Made this process so much easier than other lenders have in the past. 
K
Kimberly Austin
Posted on August 25, 2025
5.0
Jan communicated very well! Thank you!
J
James H Pool
Posted on July 30, 2025
5.0
Perfect! Four time repeat customer. I’ve done business with Jan since faxed pay statements. Much easier now. Straight forward, no complaints!!
C
Cecilia Strain
Posted on June 25, 2025
5.0
G
Gregory Middleton
Posted on June 16, 2025
5.0
Jan was great! I would recommend her to my family and friends.
R
Rebecca Pool
Posted on June 3, 2025
5.0
We have contacted Jan Wagner over the years for extraordinary client services /clarity, honesty, and loan products. Without reservation, she is the best in the business.
C
Cassa Nova
Posted on April 4, 2025
5.0
P
Patricia Drinkwater
Posted on March 25, 2025
5.0
BankSouth Mortgage Loan Officer, Jan Wagner treated our home mortgage process as if it was the only project she had. She worked tirelessly to ensure our approval went through and we were able purchase a perfect home for us in this fast paced market! Thank you, Jan for all the time and effort.
M
Michelle Massee
Posted on March 14, 2025
5.0
Jan made the somewhat arduous process of acquiring a construction loan simple and painless. She was extremely thoughtful in assembling my loan application to give me the best opportunity to be approved. Her constant communication was much appreciated along the way. I would highly recommend her for your next loan!
M
Michelle Massee
Posted on March 14, 2025
5.0
Jan made the somewhat arduous process of acquiring a construction loan simple and painless. She was extremely thoughtful in assembling my loan application to ensure I met the criteria for approval! I appreciated her constant communication throughout the process as well. I would highly recommend her for your next loan!

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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