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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

4.88
Ratings
361
Total Reviews
Powered by Experience.com
C
Colton R R
COLBERT - GA
Posted on June 3, 2023
5.0
verified-review
Christie along with the other supporting staff made our Mortgage Lending process very easy! Very good communication and was very good at responding regardless of what time it was. There were a few times I had questions after normal business hours and Christie would still take the time to answer or acknowledge my question late in the evening. Great customer service!
T
Taylor W
-
Posted on May 19, 2023
5.0
As a first time home buyer, we had a lot of questions, and Christie and her entire team were so helpful! Rather than giving us a rate and just telling us it's the best one, they were transparent about all the different options and let us review each of them and weigh the pros and cons ourselves. They answered every question we had and always got back to us very quickly, which is important in today's market. They made us feel comfortable and confident with our decision, and we feel great about our purchase. Thank you BankSouth!
T
Taylor A
ATHENS - GA
Posted on May 19, 2023
5.0
verified-review
As a first time home buyer, we had a lot of questions, and Christie and her entire team were so helpful! Rather than giving us a rate and just telling us it's the best one, they were transparent about all the different options and let us review each of them and weigh the pros and cons ourselves. They answered every question we had and always got back to us very quickly, which is important in today's market. They made us feel comfortable and confident with our decision, and we feel great about our purchase. Thank you BankSouth!
A
Andrew A
ATHENS - GA
Posted on May 2, 2023
5.0
verified-review
Fast. E sign. Competitive rate. Friendly. Available on the phone and quick to reply on emails.
R
Robin R
BETHLEHEM - GA
Posted on April 30, 2023
5.0
verified-review
Christie and her team were very friendly, knowledgeable, and helpful. Communicated what was happening every step of the way. I could not have ask for a better experience from start to finish then what I received.
J
JenJohnson40
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Posted on April 26, 2023
5.0
Christie and Team Paulk were so incredibly helpful and professional from day 1! Christie was always so prompt to respond to my questions, even if it was after hours as our purchase got nearer and there were more time sensitive questions. I so appreciated her kindness, professionalism, prompt attention to details and always willing to answer my questions through the entire process! We loved working with Christie and her team at Bank South!
J
Jennifer L J
WATKINSVILLE - GA
Posted on April 26, 2023
5.0
verified-review
Christie and Team Paulk were so incredibly helpful and professional from day 1! Christie was always so prompt to respond to my questions, even if it was after hours as our purchase got nearer and there were more time sensitive questions. I so appreciated her kindness, professionalism, prompt attention to details and always willing to answer my questions through the entire process! We loved working with Christie and her team at Bank South!
E
Erin L M
WINDER - GA
Posted on April 20, 2023
5.0
verified-review
Christie and her team were wonderful to work with! They were all quick to respond to all of my questions and so organized and helpful throughout the entire process. In addition, the app made the process streamlined and smooth. I highly recommend working with Christie and BankSouth!
M
Marcia E W R
ATHENS - GA
Posted on April 17, 2023
5.0
verified-review
Great Service. We were kept informed of all details regularly.
L
Leyton M C
WATKINSVILLE - GA
Posted on April 15, 2023
5.0
verified-review
Ms Paulk was professional, prompt and on point. I was kept informed the entire process. One could not ask for better service than provided by BankSouth Mortgage.

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