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Keith Spain

Keith Spain

VP, Loan Officer

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Q&A with Keith Spain

What made you decide on a career with BankSouth Mortgage?

I have been with BankSouth Mortgage for more than 13 years and as a finance major I had always been interested in the ins and outs of the real estate transaction. I ended up on the home loan side of the process and I love what I do.

What accomplishments are you most proud of?

I am proud of being ranked among the top ten mortgage bankers in Georgia for the past eight years. It’s been my privilege to have helped more than 300 clients achieve the dream of homeownership in the past year. Most of my clients come from referrals from past clients or real estate partners, so I feel like a good team member to all I work with.

What do you like to do on the weekends?

I enjoy traveling in my free time. Most weekends I am available to my clients 24/7.

Bio of Keith Spain

Customer service, enthusiasm, and follow-up are the words that come to mind when clients and partners are asked about Keith Spain. Since his career began in 1998, he has built a strong reputation in both the real estate and mortgage industry.


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 Keith Spain

Total Reviews

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Posted on June 23, 2023
Keith and his team at BankSouth were very responsive to my needs, diligent in their response and honest in their capabilities and restrictions. Would highly recommend them
Sean Delaney
Posted on April 28, 2023
Keith assisted in moving my financing process through expeditiously so that I could attain the home I was looking for. He and his team were communicative, kept everything on schedule, and were very helpful. I would recommend Keith to anyone looking for mortgage services.
gaby jfonseca5
Posted on December 10, 2022
Best lender I have worked with! Alex, Sheila, and Keith were amazing and very knowledgeable! Answered all my questions and explained everything thoroughly. Will definitely be using them in the future. Thank you guys!
Kaley Volkmann
Posted on November 29, 2022
I recently worked with Keith Spain and his team on a home mortgage and had a seamless experience. The team is easy to reach, responds quickly and offers patience and kindness throughout the whole process. I would highly recommend Bank South Mortgage and Keith Spain.
Posted on August 22, 2022
Keith and his team were great to work with. We were doing an investment property and everything just went very smoothly. Everything is digital which kept the process moving quickly. Any issues that popped up were handled immediately. Great team!
Posted on July 26, 2022
Keith was pleasant, responsive, knowledgeable and flexible. He and his team made the experience painless! I was completing the transaction remotely and had no problems doing that.
R. Nagel
Posted on April 25, 2022
Keith Spain and his team are amazing! They are communicative, accessible and kind. The process from application to closing was easy. Keith and his team made sure we had a clear understanding of what was required, properly set our expectations and finally by utilizing technology made the entire process so simple from start to finish. We highly recommend the Keith Spain team!
Posted on April 7, 2022
Keith and his team were absolutely wonderful! They were incredibly fast when it came to the appraisal, and were always very quick to respond to any questions we had.
Britton Smith
Posted on March 29, 2022
Can't say enough great things about Keith, Alexandria and their team at BankSouth. I've work with them for several years now on multiple transactions and they are flexible, accurate and timely with their closings. You can't ask for much more!!!
Trevor Fenwick
Posted on March 14, 2022
Keith leads a very efficient and streamlined process for getting a mortgage loan. During our closing of our new home, the seller actually said that our lender was the difference in our winning bid.
Amber Cordell
Posted on February 2, 2022
Keith very patiently answered all of my questions even late at night and on weekends. Uploading documents and retrieving secure documents was easy. I also received reminders that kept me on track to submit everything before closing. I highly recommend Keith and his team. I wish my loan had stayed with them rather than being sold to a different lender.
Posted on January 6, 2022
From our first interaction with Keith, he has been fantastic. We made a request about pre-approval on a Friday evening (not expecting an immediate response) and Keith got back to us that evening. With every step of our home buying process, Keith was with us providing what we needed. He is incredibly responsive and made our mortgage process smooth and easy. Thank you so much, Keith!!
Connie Miller
Posted on October 5, 2021
We did a re-fi and after corresponding with several other companies we choose Keith Spain and his team, as they not only had a very competitive offer, but were very attentive and responded quickly to any questions we asked, explaining thoroughly. This is the second time we used Keith for our mortgage needs and would highly recommend him to everyone.
Posted on October 4, 2021
Keith and his team are amazing! They helped us back in July/August with getting us a mortgage on our home in Marietta, GA. That process was seamless and each member we worked with was professional, friendly, and had incredible response skills. In 2019 we were looking at possibly doing a refi and the first person we thought of was Keith and his team. At that time we weren't able to refi for various reasons and Keith gave us really good advice on what we needed to do. Fast forward to August of this year and timing was on our side to finally do the refi. Guess who we reach out to??? Keith Spain and his team. They were able to quickly put together a great refi package and the entire process was absolutely painless. If we're ever in a position to refer someone for a mortgage or refi Keith will be the one.
Posted on August 18, 2021
Great communication and speedy processing! Would recommend to anyone looking for a mortgage or to refinance. Five stars and would use Keith again for any future transaction.
Posted on May 29, 2021
Easiest and most painless refinance we have done. We had a few hiccups in our refinance process and Keith and his team fixed all of them with no extra work (except a phone call) from us. Everyone was very friendly and helpful. I would highly recommend Keith and his team if you’re looking for a mortgage or refinance. We shopped around before settling on Keith and his team and ran into 2 people who were less than honest. 1 gave us a closing cost figure of $13,000. Keith did it for $3,000. Keith also told us to expect it to take 45 days to close and it was only about 30 days.
Posted on April 26, 2021
My husband and I are first time homebuyers and we just closed on our dream home. Keith and his team were absolutely incredible throughout the entire process. Keith took time to have calls with us to go over details, answered all of our (many) questions and kept us updated as we moved through the transaction. The home buying process can be stressful but we felt confident that we were in good hands and that they were doing everything to help us get to the closing table.
Posted on April 23, 2021
This is my second home purchase with Keith. He's attentive, honest and incredibly easy to work with! The process was explained so I could easily understand everything and I got a great rate! Would recommend him to anyone looking to buy or refinance.
Posted on April 23, 2021
Thank you! Keith and his team are fantastic to work with, knowledgeable about the ins/outs of all kinds of mortgage options, and exceptionally responsive. Even our closing agent was impressed with Keith's response time and problem solving when we ran into the inevitable wrinkle in details on closing day. We have worked with Keith for a construction loan, conversion to traditional mortgage, and refinance. If we are ever in need of mortgage services again we are going straight back to Keith.
Posted on March 19, 2015
I have worked with Keith Spain to purchase two condos (one in 2012, the other in 2014). Keith responded immediately to my phone calls and emails. He explained loan matters clearly and succinctly, thus making it easy for me to make. Also, Keith is very fast at handling all the work efficiently, effectively and in a timely manner. His office staff is very responsive and helpful as well. I highly recommend Keith Spain.

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