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Carol Schretter

Carol Schretter

VP, Sr. Loan Officer

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Q&A with Carol Schretter

What made you decide to be a BankSouth Loan Officer?

I took the long way around on my journey to becoming a loan originator. After high school, I escaped Southfield, Michigan, to join the USMC and traveled the south and the Orient as a signal intelligence officer using morse code, teletype, and direction-finding equipment. My gigs after my enlistment included several different stops and starts until I worked as an onsite realtor for a local builder for about seven years. After that stint, I knew what I didn’t want to do. I thought about women in the workplace that I admired. Loan officers were on the top of my list. I knew a lot about the industry already and it was a natural progression. I have been originating loans for almost 30 years.

What is/was your biggest success professionally? Why was it a big success?

Back in the middle to late 1990s, my processor and I closed 30 loans in one month. It happened in December. December is the most challenging month to close a purchase because a lot of the people that help with the components are taking time off: appraisers, insurance agents, staff, real estate attorneys and their staff, home inspectors, underwriters. That was a time when two people could actually close that many transactions. And I shared my processor with another loan officer! Afterward, we said: never again!

Why are you different than others in your profession?

I very much care about my borrowers and I work to get them any rate or down payment assistance that I can. I follow up after closing as well.

What do you enjoy doing on weekends?

I enjoy meeting my friends for tennis and catching up with them about their lives and families and pets!

Who is someone you admire and why?

I admire Theresa Staley and Jill Elmgren at BankSouth. Theresa always has the answers and if she doesn’t, she finds out the answer. She is always pleasant and doesn’t make me feel inadequate even when I ask really boneheaded questions. Jill, the ops manager in Savannah, is always calm and reliable. She is knowledgeable and a strategic thinker. I think she is one of the best humans that I have had the pleasure of working beside.

Do you have any skills or talents that most people don't know about?

A lot of my friends are aware that a hobby of mine was participating in beach volleyball at a fairly high level. My husband and I met through the sport and we competed together before we dated. We competed in small tournaments around the southeast that included purses for the finalists. We would have played even without the financial payoffs. I played a lot of sports, but doubles volleyball is the most fun and intense sport I ever played.

Bio of Carol Schretter

Carol Schretter hails from Southfield, Michigan. Carol moved to Savannah in 1984 shortly after she served in the United States Marine Corps as a sergeant in the Signals Intelligence division in Japan for the NSGA.from 1977-1981.


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 Carol Schretter

5
Ratings
328
Total Reviews

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C
Courtney Nein
Posted on July 9, 2024
5.0
I have used Carol twice and she has been above and beyond in her service and delivery in both instances. I first did a re-finance and then a slightly complicated mortgage with some extra challenges. She handled everything seamlessly, stayed ahead of everything and was extremely helpful and available every step of the process. HIGHLY recommend.
b
brandon cox
Posted on July 8, 2024
5.0
Carol has been my go to for close to a decade. I have used her personally for years and also have referred many clients to her. You won’t find someone who works harder for you
L
Luz Amanda Lemus
Posted on April 24, 2024
5.0
Carol is very sweet and nice with her clients , Tank you Mrs Carol. For all your help in the precess to gettin our home you was working very hard . We are very thank-full with you .we are enjoying our new home .
Reply from Carol Schretter
I'm incredibly grateful for your kind words and high rating, Amanda. It was absolutely my pleasure to assist you throughout the home buying process. I'm thrilled to hear that you're enjoying your new home. Remember, if you ever have any future home financing needs or questions, I'm just a phone call away. All the best, and enjoy making your house a home!
M
Melody Rivers
Posted on April 18, 2024
5.0
Carol and the team were truly amazing!!! If you work with them, they will be FOR YOU! They were great support and communicators. They have the true essence of a team, everyone is always on the same page. They made this process less stressful and attainable!!!
Reply from Carol Schretter
Melody, we were definitely rooting for you all the way to the closing table. You are a joy to work with! I am so glad that the seller and the realtors were very cooperative. We want to do this again with you real soon! :)
J
Jonathan Dain Overstreet
Posted on April 9, 2024
5.0
Carol was very hands-on throughout the whole process and stuck with us every step of the way.
Reply from Carol Schretter
Hi, Dain. It was like working with family. I enjoyed getting to meet you at the closing, too! Thanks for your business. :)
D
Dreyvion Harvey
Posted on April 7, 2024
5.0
Carol and her team is great she made the process a 100 percent easier and more comfortable.
Reply from Carol Schretter
Thank you so much for the kind review, Dreyvion! We know that you have choices in your financing and we are fortunate to have had the chance to work with you and Kali. We're thrilled to hear that our team could make your mortgage process easier and more comfortable. We strive to provide excellent service and your feedback reassures us that we're on the right track. Thanks again for choosing BankSouth Mortgage. We look forward to serving any future needs you may have.
K
Kali Simmons
Posted on April 5, 2024
5.0
Carol and her team were the best!! They all worked very fast to help us get our loan approved. They kept us updated and helped us to understand the entire process. I appreciate Carol for helping us, she made the experience awesome!!
Reply from Carol Schretter
Thank you so much for your kind words, Kali! It was a pleasure to help you and your family secure your loan. My team and I always strive to provide the quickest and most efficient service possible. We're delighted that we could make the process understandable for you. Here at BankSouth Mortgage, our aim is to make loan approval as stress-free as possible for our clients. Knowing that we made this experience awesome for you is the best reward we could ask for! Thanks again for your review and for choosing us. Looking forward to assisting you in the future.
R
Roderick L Thorpe
Posted on April 4, 2024
5.0
Very professional
Reply from Carol Schretter
Thanks, Roderick! We are so glad that we were able to help you reach your goals. Thanks for trusting our team.
W
Wendy Page Kastner
Posted on April 4, 2024
5.0
Carol & Team made the mortgage process easy to understand, and we were informed every step of the way. Working with Carol was like talking to a friendly neighbor, which it turns out she is! I would absolutely recommend Carol and BankSouth!
Reply from Carol Schretter
Hi, Wendy. It was our pleasure to help you with your financing. Let's get lunch soon! I cannot wait to meet you.
T
Tyler Christian Carver
Posted on January 23, 2024
5.0
Always great to deal with Carol and her team.
Reply from Carol Schretter
I sincerely appreciate your positive feedback, Tyler. My team and I at BankSouth Mortgage strive to maintain remarkable customer service. It's always a pleasure working with you, and we look forward to assisting you in the future. Thanks for the 5-star rating!
D
Delores Mullis
Posted on January 16, 2024
5.0
Communication and updates made this experience great
Reply from Carol Schretter
I couldn't be happier to hear that you had a great experience, Dee! It's always my goal to keep my clients well-informed and updated throughout the entire mortgage process. Thank you for entrusting your mortgage needs to me and BankSouth Mortgage. Your five-star rating is very much appreciated. Don't hesitate to reach out if you need anything in the future!
S
Shadreyl Golden
Posted on January 15, 2024
5.0
The process was seamless… I do not have a single complaint! Ms. Carol and her staff were nothing short of amazing! They made one of my dreams come true 💕
Reply from Carol Schretter
Thank you so much for your kind words, Shadreyl. I'm thrilled to hear that you found our process seamless and that my team and I were able to assist in making one of your dreams come true. Your satisfaction is our priority, and your review reaffirms the hard work we put in every day. Thanks again for choosing BankSouth Mortgage. Looking forward to serving you again in the future.
T
Thi Kim Dung Vien
Posted on January 7, 2024
5.0
Very good service
Reply from Carol Schretter
Thank you, Thi, for your feedback. I'm thrilled to know you found our service to be very good. Your rating means a lot to us at BankSouth Mortgage. We strive to provide the highest level of service to all our customers. Looking forward to serving you in the future.
J
James A Kielbasa
Posted on January 1, 2024
5.0
Carol is always a pleasure to work with, thank you for the services provided and we look forward to your assistance with our next purchase!
Reply from Carol Schretter
Thank you! It is always an honor to help you and Christy. Let's do this again real soon. :)
C
Christy Yulistia
Posted on December 29, 2023
5.0
This is our 3rd properties we purchased with help of Carol and her team, she is very knowledgable and will go above and beyond to ensure we get the best deal and information prior purchasing.
Reply from Carol Schretter
Thanks so much for trusting me with your mortgage needs. I appreciate your trust in me and my team. It is always a pleasure helping you.
K
Kristina Giles
Posted on December 16, 2023
5.0
Carol is/was wonderful to work with - thank you so much for all your guidance!!
Reply from Carol Schretter
Kristina, thank you for the review. I enjoyed working with you tremendously. I am glad we were able to close quickly despite some hurdles with the property. The realtors were certainly a huge help, too. Don't be a stranger!
A
Alleigh Wettstein
Posted on December 1, 2023
5.0
Carol was great to work with through the process of buying my first home! I would definitely recommend her.
Reply from Carol Schretter
Thanks, Alleigh. Best wishes on your education pursuit and enjoying your new home!
L
Lamonica Stephens
Posted on November 28, 2023
5.0
I was told by several people over the years that Carol was the best in the business. Last year my daughter had the pleasure of working with Ms.Carol . She called me up and told me Ms.Carol was a beast! She gets the job done! This year me and my husband were in the market for a new home. Everything that could go wrong , went wrong! Ms. Carol move Heaven and Earth to get the job! Thanks Ms. Carol
Reply from Carol Schretter
Thank you, Monica. It was a treat working with you on this home purchase. I hope that you are super happy in your new home! Be sure to reach out to me if you need anything. Yours, Carol
J
John David Stewart
Posted on November 27, 2023
5.0
Great Experience. Thanks for all the help!
Reply from Carol Schretter
You are a gem! Thanks for completing the review. Let's do this again real soon. Ha!
E
Elenor Reid
Posted on November 25, 2023
5.0
The experiencxe encountered with Carol Schretter has been awesome! She was extremely knowledgeable about information and her level of effective communication is next to none! She was always pleasant. respectful, encouraging and thoughful! She left an indelible mark that cannot be erased and this resonate with me just for being who she really is ..... "being a people person" indeed!. I really recommend her and look forward to tell of the great experience I encountered with her! Keep working hard Carol Schretter! You are an exceptional gem to refer to! Thanks for all you do! I am appreciative!
Reply from Carol Schretter
Oh, Elenor, thank you very much for your kind words. You write eloquently! I am so glad that my team and I were able to help you to reach your goal of owning a home. It was our honor! I hope you have many wonderful times in your new home.

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