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Christie Paulk

Christie Paulk

Loan Officer

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Q&A with Christie Paulk

What made you decide to be a BankSouth Loan Officer?

Growing up I moved six times within a one-mile radius. This was how my family planned for their retirement. They profited off every home they either bought or built. I learned early on how great an investment real estate can be and how it can change a family’s financial dynamic. This led me to start my career as a loan officer assistant while I was finishing up college.

What accomplishments are you most proud of?

I am self-taught. The loan officer I worked under never showed up for work. I started while I was in college so not only was I studying for school, I was studying the mortgage industry and learning how to become a loan officer by reading regulations, guidelines, and a lot of trial and error. In my second year in the industry, I graduated from the Mortgage Bankers Georgia Future Leaders Program.

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

I wanted to become a U.S. Marshal. I was a gymnast who learned what mental toughness was at an early age. I enjoyed being pushed to my max and challenged every day to become better. I then sat down and watched the movie U.S. Marshal with my dad which is the exact moment when I said that is what I want to be when I grow up. I think it was the vigorous training Marshals go through that piqued my interest.

What do you enjoy doing on weekends?

Playing golf
Watching my son play sports
Going to the lake or the farm with my family

Bio of Christie Paulk

Christie H. Paulk, an Athens native, attended Oconee County High School and later graduated with her MBA in Business Management from Valdosta State. She has over 15 years of mortgage industry experience in the Athens, Georgia area and has been recognized as a Mortgage Bankers Georgia Future Leaders Program Graduate. Christie’s goal is to provide first-class service and ensure that buying or refinancing your home is an enjoyable experience. She specializes in mortgages for first-time homebuyers, seasoned homeowners, and residential investors. Christie offers expert knowledge on current loan programs as well as new and upcoming products and industry changes. With her extensive background in the real estate and mortgage industry, she is able to consult with her clients and explore their best options. She is always available to take her clients calls and make sure they are comfortable and confident with the mortgage lending process.

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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 Christie Paulk

Total Reviews
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Holly E P
Posted on September 22, 2023
Christie and her team did a wonderful job helping me get my home! I would recommend them to anyone.
Reply from Christie Paulk
I'm overjoyed for you Holly! Helping you secure your home was our utmost priority, and we're glad we could get it done. Your recommendation means a lot to us. Thank you for taking the time to share your experience and for choosing BankSouth Mortgage. We're here for any future needs. Best, Christie Paulk.
Travis H B
Posted on September 21, 2023
Thanks for your help!
Reply from Christie Paulk
It was a pleasure working with you, Travis. If you need any further assistance, feel free to reach out anytime. Best, Christie Paulk.
Meghan E C
Bethlehem - GA
Posted on September 20, 2023
Christie and her team have been absolutely amazing! We were extremely unhappy with our previous lender option due to a lack of communication and transparency, and we ultimately decided to make a switch at the last minute. BankSouth surpassed our expectations and made the entire process much less confusing and stressful, especially for turning around a loan from start to finish in 30 days! I am very impressed by the communication and overall business practices of BankSouth. I would like to give a shout out to Christie and Alicia and I will always do business with and recommend BankSouth because of their efforts! Thank you again for your help with our first home purchase ever!
Reply from Christie Paulk
WOW! Thank you so much for your glowing review, Meghan! I'm thrilled to hear that my team and I were able to alleviate some of the stress and confusion often associated with the mortgage process. Your kind words truly mean a lot to us. It was a pleasure working with you on your first home purchase! We appreciate your willingness to recommend BankSouth Mortgage in the future. Thank you again for choosing us to be a part of such an exciting milestone in your life.
Shaquille T J
Posted on September 14, 2023
Great communication and very knowledgeable and helpful throughout the process!
Reply from Christie Paulk
Thank you so much, Shaquille! I'm thrilled to hear that you found our communication effective and our knowledge helpful throughout your experience with BankSouth Mortgage. It was truly a pleasure to work with you. Your 5-star review means a lot to me. If you ever need anything in the future, don't hesitate to reach out. Thanks again!
William L C I
Posted on September 8, 2023
Christie was extremely responsive and transparent.
Reply from Christie Paulk
Thank you so much for your kind words, William. I'm delighted to hear that you had such a positive experience. I look forward to the opportunity to serve you again in the future. Thank you for the 5-star rating!
Leslye c S
Posted on August 25, 2023
Never got annoyed at questions or concerns. Always helpful. Prompt replies!
Reply from Christie Paulk
Thank you so much for your positive feedback, Leslye! I'm glad I was able to assist you promptly and answer all your questions. It's always my goal to provide an exceptional service experience. I appreciate your 5-star rating and look forward to helping you with any future mortgage needs at BankSouth Mortgage.
Nancy V S
Bethlehem - GA
Posted on August 24, 2023
Communication between the Christie Paulk team is amazing and they made our experience smooth and efficient
Reply from Christie Paulk
I'm absolutely thrilled to hear about your positive experience, Nancy! Our team at BankSouth Mortgage always strives to maintain clear and effective communication to ensure a smooth and efficient process for our clients. It's fantastic to know that we have successfully met your expectations. Your positive feedback and high rating are greatly appreciated. Feel free to reach out anytime if you have any more mortgage needs in the future. Best, Christie Paulk.
Joshua B Y
Posted on August 12, 2023
Christie’s team at BankSouth was top notch from beginning to end! They were very knowledgeable. Communication was perfect. The did everything they could to ensure it all went smoothly. This was the best mortgage transaction I’ve ever had!
Reply from Christie Paulk
Thank you so much for the kind words, Joshua! It was a pleasure to work with you. Our team at BankSouth Mortgage always strives to provide the best services to our clients, and we're thrilled to hear that we hit the mark for you. We understand how important communication is during the mortgage process and we're glad you appreciated this aspect of our work. We look forward to assisting you in the future with any other mortgage needs. Thanks again for choosing us!
Billy D B
Posted on August 9, 2023
Team Paulk was great all around. I started with a new construction loan and shifted to an existing home purchase. Three contracts later, we closed on our home and Christie’s team was there through it all. They were amazing and quickly pivoted when issues arose. Response times were always extremely fast. They exceeded my expectations all around. Thank you all!
Reply from Christie Paulk
I'm thrilled to hear about your positive experience, Billy! Team Paulk at BankSouth Mortgage always strives to deliver exceptional service. Your ability to adapt and your patience throughout the process was greatly appreciated. We're here to help make the mortgage process as smooth as possible, and I'm glad we were able to meet your expectations. Thank you for trusting us with such an important decision. It was an absolute pleasure working with you!
Andrew J B
Posted on August 5, 2023
Clear, concise, and prompt communication from Christie and the team. The mobile app was great and I never had to wonder about the status of certain steps. When I did have questions Christie was very helpful.
Reply from Christie Paulk
I'm thrilled to hear such positive feedback, Andrew. It was a pleasure to assist you throughout your mortgage process. I'm glad that you found our mobile app useful and that I could answer your questions promptly. At BankSouth Mortgage, we strive to provide clear and prompt communication to ensure a smooth customer experience. Your satisfaction is what we aim for. Thank you for your trust and for taking the time to leave this fantastic review. I'm here if you need any future assistance.

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