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Keith Spain

Keith Spain

VP, Sr. 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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Erik Ferguson
Posted on April 4, 2024
Terrific, good work!
Michael G Stephens
Posted on February 27, 2024
We enjoyed our experience.
Daniel Morton
Posted on February 26, 2024
Keith and his team were excellent to work with getting a mortgage. Extremely fast at responding and answering any questions we had. As a first time home buyer, I was nervous about the process but Keith walked me every step of the way and was very clear on what needs to be done.
Tina Chadwick
Posted on February 19, 2024
Keith made a very hectic time smooth and easy. His advice was great and made me feel like I was making the right choices along the way. Shelia was a master at making sure all the logistics were covered and on time….also with a calmness in the chaos. Fantastic team.
James Matthew Larson
Posted on January 5, 2024
Great app and communication!
Daniel Poulos
Posted on December 22, 2023
Keith and his team have been FANTASTIC! They quickly got us set up, communicated everything clearly and always followed up if we had questions. We really appreciate everything the TEAM did for us! Thank you!! I HIGHLY RECOMMEND Keith Spain and his team at BankSouth Mortgage.
George Stumberg Jr
Posted on November 23, 2023
5 out 5 Experience!
Michael J Goles
Posted on October 17, 2023
Keith and team were amazing. They were on it from the get-go and made us feel respected and as if we had a partner (or several) throughout the process. Really great experience! Would HIGHLY recommend.
Keith Edward Zimmer
Posted on October 11, 2023
Would recommend.
Claudia L Adade
Posted on October 8, 2023
Keith was very responsive in a timely manner. He was informative and his team was supportive as well
Chad Donald Wainwright
Posted on October 6, 2023
Tremendous communication and support throughout the entire process from Keith and the entire team.
Richard Taylor Vannatta
Posted on August 28, 2023
Quick responses! Considerate explanation for first-time homebuyers!
Gregory Manning Shoemake
Posted on August 27, 2023
Excellent customer service. Very thorough and always available to answer questions. Highly recommend!!!
Margaret Jennings Vannatta
Posted on August 22, 2023
Keith and his team were quick to respond to all of my questions and made this process so simple and straightforward. I can't recommend them enough
Alysia Baker
Posted on July 15, 2023
Keith was attentive, knowledgeable and responsive. Everyone I worked with as BankSouth was. No complaints whatsoever
Lonnie Allen Plunk
Posted on July 13, 2023
Keith is the absolute best! Smooth transaction, Keith stays one step ahead watching everything. Pleasure to do business with!
Waylon Wyatt Cawley
Posted on July 1, 2023
Keith made the loan process very easy and worked hard to make sure I got the best rate. He’s super responsive and a pleasure to work with.
Suvir Bhatia
Posted on June 24, 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
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
Heather Anne Montgomery
Posted on May 24, 2023
BankSouth was great to work with as a first-time homebuyer!

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