The Wagner Team

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The Wagner Team Lenders

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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

4.92
Ratings
531
Total Reviews
Powered by Experience.com
L
Ladan S
CUMMING - GA
Posted on February 7, 2024
5.0
verified-review
This is my second time working with Jan and her team and they are the best around ! They make the process as smooth as possible and are readily available for questions and remain communicative throughout the home buying process. 5 stars excellent service !
Reply from Jan Wagner
Ladan, I appreciate you and you always make the process so easy. I will contact you when it is time to refinance.
S
Stefanie L L
CUMMING - GA
Posted on February 4, 2024
5.0
verified-review
She worked so quickly and efficiently throughout the entire process. She was always willing to answer all of our questions and made this process easy!
Reply from Jan Wagner
You were wonderful to work with! I will reach out when the rates drop and it is time to refinance.
A
Allison W
SUGAR HILL - GA
Posted on February 1, 2024
5.0
verified-review
Jan and The Wagner Team were extremely helpful throughout the entire home buying process. They were on top of everything and helped my husband and I as first time homebuyers feel really confident. 10/10 would recommend Jan for all your mortgage needs!
Reply from Jan Wagner
Thank you Allison. I will keep an eye on rates and reach out when time to refinance and save money.
D
Drew D C
ROSWELL - GA
Posted on January 14, 2024
5.0
verified-review
Great Partner
Reply from Jan Wagner
looking forward to your future build and being neighbors!
H
Hunter W R
COLLEGE PARK - GA
Posted on January 4, 2024
5.0
verified-review
My first experience purchasing a home involved offers on several properties before the right home came along. Each time we started the process with a new offer, Jan was there quickly with essential information and advice. When the home I eventually purchased came around, Jan and her team were able to move fast and allow me to close in my requested time period. Jan and her team made closing on my first home straightforward. I would recommend their services to anyone.
Reply from Jan Wagner
Hunter thank you for this review and the google review. You were a pleasure to work with and i look forward to our next transaction together.
K
Katherine L M
DECATUR - GA
Posted on December 12, 2023
5.0
verified-review
Jan took the time to make sure we understood everything that was happening during what can be a confusing process. I really appreciated having Jan as a trusted partner making sure everything was right and that we were getting the best deal possible!
Reply from Jan Wagner
Katherine, thank you for your kind words. You were a pleasure to work with and I look forward to our next transaction together. I will keep you updated when these rates go down so we can refinance.
J
Jessica M W
LAWRENCEVILLE - GA
Posted on December 9, 2023
5.0
verified-review
This experience was so smooth thanks to Jan and her team! They were efficient and communicative during the entire process which created a stress free environment!
Reply from Jan Wagner
Loved working with you Jessica!
A
Abigale J S
ATLANTA - GA
Posted on November 15, 2023
5.0
verified-review
Jan, Thank you very much for all of your assistance. You and your team went above and beyond to make my first home buying experience easy. I especially appreciate the attention to finding a solution that helped clear other dept I have in this process, the education your team provided, and the ease of the ReadyLoan interface. My best, Abby
Reply from Jan Wagner
We loved working with you and really like when we can contribute to the entire financial plan. I am so excited for you and will be your lender for life. We will reach out once rates drop to refinance and lower your payment. Thank you for your kind review.
J
James A A J
CUMMING - GA
Posted on November 2, 2023
5.0
verified-review
Jan and her team are always super helpful and puts us in the best position possible!
Reply from Jan Wagner
Thank you for being such a loyal client. We will do it again when rates fall and we can refinance.
J
Judeth H
EAST POINT - GA
Posted on November 1, 2023
5.0
verified-review
Jan is thorough, quick, knowledgeable, easy to communicate and work with. And so pleasant!
Reply from Jan Wagner
I really enjoyed working with you. We will do it again when rates drop and we can refinance.

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

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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

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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