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Joy Brown

Joy Brown

VP, Senior Loan Officer

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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

4.8
Ratings
456
Total Reviews
Powered by Experience.com
L
Lisa C D
CARTERSVILLE - GA
Posted on September 17, 2023
5.0
for Joy Brown
verified-review
Wonderful service!!!
T
Timothy D S
ACWORTH - GA
Posted on September 8, 2023
5.0
for Joy Brown
verified-review
Joy and her team were a pleasure to work with.
P
Patti M K
ACWORTH - GA
Posted on September 8, 2023
5.0
for Joy Brown
verified-review
Joy Brown and the entire Bank South Team made my mortgage process seamless and stress free! Amazing service and always helpful with any questions I had.
H
Heath T
LAVONIA - GA
Posted on September 5, 2023
5.0
for Joy Brown
verified-review
Pretty simple, without Joy there is no lake house for my wife and I. She was incredible!
M
Melanie G T
LAVONIA - GA
Posted on August 30, 2023
5.0
for Joy Brown
verified-review
She was able to make the loan happen in a short amount of time.
C
Caitlin M S
CARTERSVILLE - GA
Posted on August 28, 2023
5.0
for Joy Brown
verified-review
Joy was very communicative and helpful.
B
Beatriz V M
ACWORTH - GA
Posted on August 27, 2023
5.0
for Joy Brown
verified-review
Everything was Excellent
J
Jose A Z
ACWORTH - GA
Posted on August 22, 2023
5.0
for Joy Brown
verified-review
Our experience with Joy and her team was outstanding since we first started our process until we close, very recommendable to work with them.
K
Kathryn M M
Danielsville - GA
Posted on August 3, 2023
5.0
for Joy Brown
verified-review
Joy is the best!
Reply from Joy Brown
Thank you Kathy!!! You guys are such a pleasure to work with and thank you for allowing me to work with you again!!
C
Cherie E M
POWDER SPGS - GA
Posted on July 31, 2023
5.0
for Joy Brown
verified-review
Joy was great to work with. She responded to ay question we had almost instantly, we appreciated her service through this transaction.
Reply from Joy Brown
Cherie, thank you for the nice comments, I love helping borrowers get into their homes!!! You guys were great to work with!! Enjoy your beautiful new home!

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