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Carla Estep

Carla Estep

Loan Officer

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Q&A with Carla Estep

What made you decide to be a BankSouth Loan Officer?

I became a mortgage banker when my first boss said I can teach you how to run this calculator, but I can’t teach customer service skills and yours are Top Notch! I relate to folks because I have gone thru this process living in another State, and country. I know what it feels like to be living in a hotel with your kids and animals so we do all we can to make sure we meet and sometimes beat their closing dates.

Flashback to when you were 10 years old. What do you want to be when you grow up? Why?

I wanted to be a flight attendant when I was 10 and see the world, little did I know I was going to marry a military man and see the world. Fourteen moves across both Oceans in the 23 years he was an active duty member.

What do you enjoy doing on weekends?

My weekends are spent planning for the week ahead, cooking and meal planning to make the work week easier

Bio of Carla Estep

Carla moved to Richmond Hill in 2002 with her husband Don who is a retired Army Pilot. She is a current member of Savannah Homebuilders and Sales and Marketing Council. Carla previously served as the president of Sales and Marketing Council and on the Bryan County Board of Directors.

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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 Carla Estep

4.83
Ratings
173
Total Reviews
Powered by Experience.com
A
Adrian D B
SAVANNAH - GA
Posted on April 8, 2024
5.0
verified-review
BankSouth provided step by step guidance throughout the entire process, starting with Carla Estep (Mama Bear). Carla and team communicated with us every step of the way from beginning to end. Additionally, having ReadyLoan for documents made it easy to upload and easy to review and esign documents.
B
Brad F B
SAVANNAH - GA
Posted on April 6, 2024
5.0
verified-review
The experience was excellent 👌
D
Duy L H N
SAVANNAH - GA
Posted on January 30, 2024
5.0
verified-review
Thank you for all the efforts to make it happen with my new home. Greatly appreciated.
Reply from Carla Estep
So glad me and my TEAM were able to help and get you into that New Beautiful Home
J
James G K
DAYTONA BEACH - FL
Posted on December 10, 2023
5.0
verified-review
Carla and her team were a pleasure to work with. I would highly recommend Carla !!
Reply from Carla Estep
James it was our pleasure to help you with your purchase of your vacation home in Florida and we know you will enjoy it :)
M
Melissa H A
SAVANNAH - GA
Posted on October 30, 2023
5.0
verified-review
Carla and her team made the entire process easier on us. We appreciate all the kind support and help they provided.
Reply from Carla Estep
I'm thrilled to hear that you had a positive experience with our team at BankSouth Mortgage, Melissa. Your words truly warm my heart and motivate me to continue striving for the highest standard of service for our clients. I greatly appreciate your support and your decision to take the time to share this incredibly kind review. Best wishes to you.
D
Derek M L
PALM COAST - FL
Posted on October 15, 2023
5.0
verified-review
Carla was amazing to work with! She made my house buying process so smooth!
Reply from Carla Estep
Derek it was our pleasure to help you with your mortgage on your First Home :)
L
Laura E S
DAYTONA BEACH - FL
Posted on September 9, 2023
5.0
verified-review
All around pleasure working with Carla.
Reply from Carla Estep
It was my pleasure to help with your mortgage.
S
Steven C W
RINCON - GA
Posted on August 21, 2023
5.0
verified-review
Was a smooth transaction, thanks for your help!
Reply from Carla Estep
Thankful we could make it happen on your timeline.
D
Dana J
SAVANNAH - GA
Posted on June 14, 2023
5.0
verified-review
Carla & her staff were great from start to finish. Always explain information that needed in an understanding way. Overall process was no stress.
Reply from Carla Estep
We know buying a house can be stressful, we try and take that out so you can enjoy your HOME!!
K
Kevin D B
GUYTON - GA
Posted on May 28, 2023
5.0
verified-review
Carla and Scott were amazing. They were very knowledgeable and was always available to answer questions. They reviewed my credit profile and provide a plan that help me in 30 days boost my score to allow for a better rate. The whole process was seamless. I've heard horror stories about buying a home however, Carla and Scott made it so easy. I would recommend them 1000x's to everyone looking to buy a home.
Reply from Carla Estep
Kevin we are so happy we were able to help. We like to give our borrowers options and you did everything we said so we could get you a better rate.

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