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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

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Justin Renquin
Posted on January 22, 2022
Carla and her team at Bank South were beyond amazing. We were confident she got us the best loan possible. She and her team were quick to respond to any form of communication and made themselves available to us at all times. She was very reassuring throughout the process. We are so happy we chose Carla to work with!
Reply from Carla Estep
It was our pleasure for me and my TEAM to help you with your mortgage needs.
Connie Burke
Posted on February 4, 2020
Carla is passionate about people which makes her exceptional as a lending agent. She is wonderful to work with and has a great team that are also a delight!
Posted on December 19, 2018
Carla is absolutely amazing!!!! Her experience and suggestions to lock in rates and what to look for hidden in with preferred builders lender. Gave us around the clock access around the world, literally!!! Breaks the mold of a traditional lender!!! Thank you for being so honest, and upfront...Great cook and good friend!!! Carla you rock
Tony Cravey
Posted on December 18, 2018
I have used Carla for the last 3 homes I have purchased. Could not be any easier to work with. Very helpful and relationship based! Have and will continue to 100% recommend to anyone looking to purchase a home! Fantastic experience.
Marta Evans
Posted on September 11, 2018
We worked with Carla Estep and she is FANTASTIC! She answered all of our questions always answers her phone (with a smile I might add) you can just tell when people care about helping others and she REALLY does care! I would recommend Carla to ANYONE looking to buy or refinance.
Carin Fischer Behringer
Posted on March 13, 2018
Ashley Stieve
Posted on January 26, 2018
We’ve used Carla for all 3 of our home purchases and would recommend anyone to do the same. The entire process was so stress free and she will bend over backwards to get the job done!

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