Bart Patterson
Loan Officer
Q&A with Bart Patterson
What made you decide to be a BankSouth Loan Officer?
I started my career in the mortgage industry in 1998 not knowing much at all about the business. My first two transactions were for hard-working buyers that had previous credit issues but were working very hard to achieve the dream of home ownership. We were able to work through the obstacles and both families ended up homeowners. I was immediately struck by the service nature of our business and have always embraced the challenge of working through homebuying obstacles.
What do you enjoy doing on weekends?
Easy – talking to homebuyers in need of a mortgage. When not doing that, you can find me at some field, gym, or stadium watching my kids compete in youth athletics.
What significant drivers that motivated you to learn your profession?
I believe in being a life-long learner. Our industry has changed so much in my 25 year career. This has created the need to constantly adapt and improve our processes. Between technology advances, product guideline changes, and the shift in how homebuyers engage the market, I have tried hard to continually learn and adapt to provide the best mortgage experience possible.
Bio of Bart Patterson
Whether you’re buying, selling, refinancing, or building your dream home, you have a lot riding on your loan specialist. Since market conditions and mortgage programs change frequently, you need to make sure you’re dealing with a top professional who is able to give you quick and accurate financial advice. I have the expertise and knowledge you need to explore the many financing options available.
Awards
Mortgage Market Interest Rates
Interest rates for mortgages can vary significantly from one borrower to the next based on the specific details of the transaction. Some of the main factors that affect the interest rate are credit score, down payment or loan-to-value, the type of mortgage, and how long the interest rate is locked.
The information below depicts average rates on a national level. These rates are not specific to BankSouth Mortgage but are provided to give a general idea of where rates are nationally for different loan types. This information is calculated from actual locked rates with customers across 35% of all mortgage transactions nationwide.
Information in this chart is for illustrative purposes only and is not intended as an advertisement. This is not a commitment to lend and does not guarantee the availability of any particular product or interest rate. Rates/terms illustrated in the chart may not be available through BankSouth Mortgage. Rates and information in this chart are powered by OBMMI™ (“Optimal Blue Mortgage Market Indices”). The OBMMI™ methodology takes the average rate of all appropriate interest rates locked through the Optimal Blue, LLC (“Optimal Blue”) product and pricing engine (“PPE”) on a given day. No adjustments to the rates that account for buy-up or buy-down decisions made by individuals are performed. These indices leverage data from Optimal Blue PPE lock requests (approximately 35% of all locks nationwide) aggregated daily and updated nightly with the previous day’s locks. Weekends and holidays are excluded. All applicable product types are included unless otherwise specified. The content contained on this chart is that of Optimal Blue and may change at any time without notice. Optimal Blue makes commercially reasonable efforts to provide reliable information, however it does not guarantee that the information is accurate, current, or suitable for any particular purpose. In addition, this content is, therefore, provided on an “as is” basis and Optimal Blue makes no warranty, guarantee, or promise, concerning the accuracy or timeliness of indices listed and maintained by Optimal Blue nor is Optimal Blue responsible in any manner for any damages whether direct, indirect, special, or consequential, howsoever caused, arising out of use of this web site, or reliance on the information it contains.
What Customers Say About Bart Patterson
45
Total Reviews
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Bobbie Hewatt
Posted on April 18, 2024
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Beverly Hewatt
Posted on April 18, 2024
Communicates very well thru out the process making the approval go much faster. No last minute surprises.
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Vyom Shrivastava
Posted on April 18, 2024
Bart helped me a lot throughout the process. He and his team is really understanding and made our process to obtain our loan very smooth. Their communication is splendid and they go above and beyond to help their customers
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Joshua Hewing
Posted on February 5, 2024
I was very pleased with my home-buying experience with BankSouth. Everyone I interacted with at this company was extremely helpful! The mobile/web app was nice to have for notifications on tasks to be completed and useful in keeping track of the steps in the entire process. This is my first home and I’m glad that I was able to get it done with BankSouth!
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Shelia Renee Cooper
Posted on February 5, 2024
We had an awesome experience and will recommend BankSouth and Bart Patterson to anyone we know. All questions and concerns were quickly answered and it was a pleasure working with all members of this team. Thank you for everything.
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Jordan Hewing
Posted on February 2, 2024
Bart and the BankSouth team made my first home-buying experience very easy.
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Elizabeth Morales-Ramos
Posted on January 13, 2024
Buying a home can be an intimidating and challenging experience. Therefore, it requires the best support team possible by your side. I can't imagine a better experience than the one I had with Bart and his team. I am very grateful for the recommendation during my home-buying process. Bart and his team assisted me with an expedited closing and provided advice and support during every step. I will be sending friends and family to them in the future.
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Elizabeth Morales
Posted on January 13, 2024
Buying a home can be an intimidating and challenging experience. Therefore, it requires the best support team possible by your side. I can't imagine a better experience than the one I had with Bart and his team. I am very grateful for the recommendation during my home-buying process. Bart and his team assisted me with an expedited closing and provided advice and support during every step. I will be sending friends and family to them in the future.
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Hayden Richardson
Posted on December 3, 2023
bart and his team are the best. they made the entire process extremely smooth!
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Kimiya Richardson
Posted on November 28, 2023
bart and his team made this process so stress free and smooth!
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Eric Hamilton
Posted on November 18, 2023
Consistent and thorough communication.
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Walter Fizer
Posted on November 1, 2023
Bart and his team were referred to me by my amazing realtor Roxie Hernandez. I've heard horror stories about the mortgage / underwriting process so I came with some built in anxiety. I can truly say that Bart with Bank South made the process a breeze. They stayed in constant contact with me keeping me up to date about where we where in the process and what I could expect. I would recommend Bart and Bank South to anyone for their home purchasing needs!
Walt Fizer
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Richard Dobbie
Posted on November 1, 2023
Every one was very helpful. I was kept in the loop about everything & you walked me thru everything & helped to understand what was going on.
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Anand Tatikayala
Posted on September 30, 2023
Guidance & support was superb till the end.
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Jay Desai
Posted on August 27, 2023
Bart went above and beyond to ensure the paperwork was in place at the right time and, most importantly, to ensure the numbers all worked out. He was able to navigate the numerous external hiccups that came our way, remaining calm and confident that everything will work out. I HIGHLY recommend Bart: that's why this is my second (and unlikely to be last) time to utilize Bart for a mortgage.
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Sadana Indukuri
Posted on August 22, 2023
BankSouth made our entire home buying experience a breeze! From their transparent processes to their constant communication, they made it easy to understand what my application needed and how to submit the requirements. If there was any questions, they made sure to call me right away so that there was no time lost. Unfortunately our first contract fell through due to the sellers title issues and we were caught in a bind. However, BankSouth came through for us and helped us close on our new house within a record 10 days to keep our rate lock. We are incredibly grateful to the BankSouth team, and we can not recommend them enough to our friends and family.
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Sadana Indukuri
Posted on August 22, 2023
Bart and the BankSouth team made our entire home buying experience a breeze! From their transparent processes to their constant communication, they made it easy to understand what my application needed and how to submit the requirements. If there was any questions, they made sure to call me right away so that there was no time lost. Unfortunately our first contract fell through due to the sellers title issues and we were caught in a bind. However, BankSouth came through for us and helped us close on our new house within a record 10 days to keep our rate lock. We are incredibly grateful to the BankSouth team, and we can not recommend them enough to our friends and family.
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Christopher Reid
Posted on August 3, 2023
Bart has helped me and my wife on several occasions and has been more than helpful and always available to answer any questions. Thanks!
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Leslie Ouimette Jones
Posted on July 3, 2023
Bart Patterson at BankSouth was totally professional, provided quick responses, and patiently answered all of my questions. I would highly recommend using him to secure a mortgage. I enjoyed working with him and would do so again. Five star service.
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Yogesh Patel
Posted on June 11, 2023
Bart was extremely helpful and always pleasant. My emails were answered timely. I had a good experience with him.
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BankSouth Mortgage Company, LLC, NMLS #690971 is not a bank or other depository institution and is not FDIC-insured.
BankSouth Mortgage Company, LLC is a wholly owned subsidiary of BankSouth, NMLS #688851, a federal savings bank and Member FDIC.
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