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Joy Brown

Joy Brown

VP, Sr. 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

4.9
Ratings
458
Total Reviews

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William A Herrera-Cruz
Posted on April 25, 2024
5.0
I love this new home
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Avery Daniel Collins
Posted on April 11, 2024
5.0
Joy and the bank south team was really helpful throughout this process. Being a First time home buyer, bank south was able to help assist throughout the whole process and communicate everything we needed to know. Very responsive to every questions we had along the way.
Reply from Joy Brown
I appreciate your kind words, Avery! It was a pleasure assisting you as a first-time home buyer. I'm delighted to hear that you found the process smooth and communication clear. Your satisfaction is our top priority at BankSouth Mortgage. Thank you for taking the time to acknowledge our efforts - it means a lot! Please do not hesitate to reach out if you have any future questions or needs.
S
Starr Lashay Langston
Posted on April 10, 2024
5.0
Great experience
Reply from Joy Brown
I'm thrilled to hear that you had a great experience, Starr! Your satisfaction is my top priority, and it means a lot to me that you took the time to share your kind words. It was a pleasure to work with you, and I hope to have the opportunity to do so again in the future. Thank you for choosing BankSouth Mortgage and for your stellar rating.
L
Liletta Curry
Posted on April 8, 2024
5.0
Joy was very attentive, knowledgeable, and accretive. She made the process easy by keeping me informed all the way. I really apricated that.
Reply from Joy Brown
I'm thrilled to hear that you found our process seamless and well-communicated, Liletta. At BankSouth Mortgage, we aim to make each transaction as smooth and efficient as possible for our clients. Your kind words and high rating are truly appreciated! Remember, I'm here if you ever need further assistance with your mortgage needs. Thank you again for your positivity. - Joy Brown
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Madison Rae Smith
Posted on April 5, 2024
5.0
We enjoyed working with Joy! She had our best interest in mind and took the time to educate myself and my boyfriend on the process.
Reply from Joy Brown
I'm thrilled to hear how much you enjoyed working with me, Madison. Your feedback truly means a lot. It's always a priority for me to keep my clients' best interests in mind and ensure they are well-informed throughout the whole process. I hope to have the opportunity to assist you again in the future. Thank you for choosing BankSouth Mortgage and for leaving such a kind review.
F
Francis Nicholas Jos Fuchko
Posted on April 4, 2024
5.0
I’ve heard horror stories about closing on a house… this being my first experience I was unsure what to actually expect. The whole experience was efficient and straightforward. If I had to do it again, I would! Thanks to Joy and her team for making it so easy!
Reply from Joy Brown
I'm thrilled to hear your first-time home closing experience was a positive one, Francis! Your kind words truly mean a lot to me and my team at BankSouth Mortgage. We strive to make the process as efficient and straightforward as possible for our clients. If you ever need our services in the future, we'd be more than happy to assist you again. Thank you for trusting us with this important journey.
S
Sonya E Wright
Posted on April 4, 2024
5.0
Joy was friendly, prompt, and extremely knowledgeable! She made a stressful process run as smoothly as possible.
Reply from Joy Brown
I'm thrilled to hear that you had a positive experience working with me at BankSouth Mortgage, Sonya! Your kind words about my knowledge and promptness mean a lot. I always strive to make the mortgage process as smooth and stress-free as possible, so it's great to know that was your experience. Thank you for your 5-star review!
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Garry Darnell Smith
Posted on February 27, 2024
5.0
My experience with Banksouth was pleasant and very comfortable
Reply from Joy Brown
I'm really glad to hear about your positive experience with BankSouth Mortgage, Garry. Knowing you found the process pleasant and comfortable brings me immense joy. I strive to ensure every client has a seamless and satisfactory experience. Thank you for this fantastic rating. I'm here if you need anything else in the future!
A
Alseny Diallo
Posted on February 23, 2024
5.0
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!
M
Michael Chapman Lacy
Posted on February 19, 2024
5.0
Joy and her team did a great job!
Reply from Joy Brown
Michael, Thank you, it was our pleasure to work for you!!! Congratulations on your new home!!!
S
Sheena Mashay Adams
Posted on February 18, 2024
5.0
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 Allen
Posted on February 16, 2024
5.0
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!!
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Gregory Carrillo
Posted on February 13, 2024
5.0
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 Irene Hamlin
Posted on February 5, 2024
5.0
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 Gilliam
Posted on January 24, 2024
5.0
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.
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Triston V Porter
Posted on January 11, 2024
5.0
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!!!
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Laurie A Nicholas
Posted on December 25, 2023
5.0
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 Renee Johnson
Posted on December 24, 2023
5.0
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 Estelle Cormier
Posted on December 22, 2023
5.0
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!
R
Ryan Ayodele Osindele
Posted on December 17, 2023
5.0
Joy was wonderful, she made the lending process smooth and easy to understand. I can't thank her enough!
Reply from Joy Brown
I'm so glad to hear that you found the lending process to be smooth and easy to understand, Ryan. It was my absolute pleasure to help you through it. Your satisfaction is my top priority, so it means a lot to hear such positive feedback. Thank you for choosing BankSouth Mortgage and for the perfect rating! Feel free to reach out if you have any future needs or questions.

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