Blog - Latest News
Joy Brown

Joy Brown

VP, Senior Loan Officer

Apply Now Add to Contacts

Q&A with Joy Brown

What do you enjoy doing on the weekends?

I love water, so more times than not you can find me at the lake or ocean!! Water is just so calming and peaceful, and I love sunrise and sunsets! My family is the most important thing to me, I have two grown children and three grandchildren that I could not live without!! I love sports, especially the Atlanta Braves and Georgia Bulldogs!!! I am born and raised here in Atlanta and have lived in Georgia my entire life.

Who is someone you admire and why?

My Dad, he worked three jobs to make sure that his family was taken care of. We never knew if we were rich or poor!

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

Hairdresser, I loved to play with my dolls and style their hair!

Bio of Joy Brown

Joy Brown has worked in the mortgage industry for 38 years. She began her career in 1980 as a processor and worked her way up thru processing to underwriting, and has been a loan officer since 2001. This wide range of experience makes her a true mortgage expert.

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 Joy Brown

4.81
Ratings
488
Total Reviews
Powered by Experience.com
A
Alseny D
Mableton - GA
Posted on February 23, 2024
5.0
for Joy Brown
verified-review
Working with Joy Brown on our mortgage was an exceptional experience. Her professionalism, expertise, and dedication were evident throughout the entire process. Joy's responsiveness and ability to clearly explain complex aspects of our loan options made the journey smooth and understandable. Her commitment to securing the best possible rate and her guidance on financial planning for our future were invaluable. We highly recommend Joy to anyone looking for a knowledgeable and trustworthy loan officer. Her support was a key factor in making our home buying experience not just successful, but truly great.
Reply from Joy Brown
Thank you so much for your kind words, Alseny. I'm truly pleased to hear that you had a great experience working with me on your mortgage. It was my goal to make the complex aspects more understandable and to provide you with the best possible rate. I'm glad to know that my efforts were successful and valuable to your home buying journey. I truly appreciate your recommendation and I look forward to potentially working with you again in the future. Best wishes for your new home!
S
Sheena M A
Mableton - GA
Posted on February 18, 2024
5.0
for Joy Brown
verified-review
Joy was a pleasure to work with during my recent home purchase. I chose to work with her over other lenders because she took my call after work hours and followed up as promised. She communicated well and often. I’d work with her again a million times over!
Reply from Joy Brown
Sheena thank you for the nice comments, it was a pleasure to work for you!!! Congratulations!!
D
Danny E A
ROME - GA
Posted on February 16, 2024
5.0
for Joy Brown
verified-review
Very responsive to expediting our closing from beginning to end. Joy kept in touch with us on a regulat basis...very personal and professional. The portal was efficient to use. Very pleased with Banksouth.
Reply from Joy Brown
Danny, thank you for the nice comments, it was our pleasure to work with you and your family!!
G
Gregory C
Cartersville - GA
Posted on February 13, 2024
5.0
for Joy Brown
verified-review
They were great and easy to work with. They did everything they could for us and went above and beyond and were great to work with and would recommend them to everyone I know. Would definitely work them them again. All we can say is thank you.
Reply from Joy Brown
Gregory Thank you for the nice comments, it was our pleasure to work for you and your family!!
S
Sheryl I H
ADAIRSVILLE - GA
Posted on February 5, 2024
5.0
for Joy Brown
verified-review
Joy and her team worked hard to assist me with very frustrating process
Reply from Joy Brown
I am thrilled to hear you found our work to be beneficial in your process, Sheryl. Your patience throughout the process was greatly appreciated. At BankSouth Mortgage, we always strive to help make the loan process as smooth and straightforward as possible, even if it can sometimes seem frustrating. Thank you for acknowledging our efforts and for your 5-star rating. Please don't hesitate to reach out if you need any more assistance in the future.
A
Autumn C G
Mableton - GA
Posted on January 24, 2024
5.0
for Joy Brown
verified-review
Joy was truly a dream to work with during this process. As a first-time home buyer, I was nervous and curious, Joy was patient and provided me with as much detail as needed. I appreciated her time and willingness to discuss options with me and recommend a path forward that supported my long and short-term goals. I'll definitely recommend BankSouth and Joy to friends and family members in the homeownership journey.
Reply from Joy Brown
I'm truly moved by your kind words, Autumn. It was my pleasure to assist you during your home buying process. The first-time home buying experience can indeed be overwhelming, but I'm glad I could make the journey smoother and enjoyable for you. I'm thrilled to hear that you felt supported in both your short and long-term goals. Your recommendation means a lot to me and BankSouth Mortgage. Remember, I'm here for any future needs or questions you may have. Thank you again for trust in me and BankSouth Mortgage. Best wishes for your new home.
T
Triston V P
Mableton - GA
Posted on January 11, 2024
5.0
for Joy Brown
verified-review
Joy was patience and helpful when breaking down the home buying process. Anytime I needed to reach out to Joy she was there and when she was not she would call me back ready to answer any questions I have. It was a pleasure with with Joy and her colleague Christina Velazquez
Reply from Joy Brown
Triston Thank you for the nice comments, it was a pleasure to work for you and your family!! Congratulations!!!
L
Laurie A N
Loganville - GA
Posted on December 25, 2023
5.0
for Joy Brown
verified-review
Having not undergone the mortgage loan experience in over 21 years, I didn't recall nor was I at all prepared for the intense process. But despite my anxiousness about it, Joy Brown with Bank South Mortgage was the calming force. She offered gentle reminders and education to make sure that I understood the steps being taken. Thank you Joy for getting me through.
Reply from Joy Brown
Laurie Thank you for allowing me and my team to work for you, you were awesome to work with!! Congratulations!!!
S
Sheila R J
Mableton - GA
Posted on December 24, 2023
5.0
for Joy Brown
verified-review
The experience with BankSouth was efficient and Joy Brown was very helpful in explaining processes, documents needed, and what was necessary to get approved for financing. As a senior banker, I appreciated her expertise and quality of service in the process. I would highly recommend her and her team for any type of real estate financing in the future.
Reply from Joy Brown
Sheila, Thank you for the nice comments, and it was our pleasure to work with you
N
Nayoki E C
KENNESAW - GA
Posted on December 22, 2023
5.0
for Joy Brown
verified-review
There were a lot of choices to lender selection but when I spoke with Joy Brown, I know that she was "the one." Joy reminded me of a teacher. I am a first-time home buyer, so the information was pretty overwhelming. With Joy, she explained it to me every step of the way. I was able to contact her if I had questions etc. Accessibility and knowledge base was very important to me. I closed on my property a couple days ago and I couldn't be more pleased. Try Joy. You will be safe with her. Good luck with your search!!!
Reply from Joy Brown
Thank you so much for your kind words, Nayoki. It was a pleasure to assist you during this important process. Being compared to a teacher is a high compliment, as I believe in educating my clients fully on their options. I'm thrilled that you felt comfortable reaching out with questions and that you felt safe and informed at every step of your journey. Congratulations on your new home! If you, or anyone you know, need any future assistance, please don't hesitate to reach out. Best wishes!

Mortgage Calculator

© Copyright 2024 - BankSouth Mortgage Company, LLC. All Rights Reserved. | Web Design by M16 Marketing