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Kelli Fowler

Kelli Fowler

VP, Sr. Loan Officer

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Q&A with Kelli Fowler

To what do you attribute your success?

My positivity, hard work, honesty and the open flow of communication I have with everyone I work with. Also, being readily available for our clients and agents 7 days a week to answer their questions. I work every day to provide exceptional service throughout the lending process, and it is evident by our 440+ 5 Star Reviews (Experience.Com 2018-22). With over $700 Million in Loan Volume and 2000+ Families served since joining the Lake Country Area, we have become the local expert for mortgage financing and strive to make the process as smooth as possible for all involved in the transaction.

Flashback to when you were 10 years old. What did you want to be when you grow up? Why did you choose this type of business?

As a child, I wanted to be a Veterinarian. I loved animals and living on a 500+ acre farm I never thought any amount was too many. Fast forward to my teens, owner of 3 dogs, 10 cats/kittens and a horse I started developing severe allergies to my cats and dogs. It was tough realizing this was not going to be a fun way to make a living after all. I stayed close to wanting to be in the medical field and became a Respiratory Therapist for 13+ years. In 1996, I was introduced to a business in which I could continue helping others, however it would be more like making sure their financials were making healthy decisions. It is why I enjoy being a Sr. Mortgage Banker with BankSouth Mortgage. It’s always been the joke in the office that I am the one “that can breathe life back into a loan and get it closed”! They Joke, but I WIN knowing that I am helping someone achieve their dream home and that I have made a difference in someone’s life.

Who is someone you admire and why?

I admire my Grandfather, who grew up very poor being the 7th of 10 children. He enlisted in the merchant marines at age 16 (yes you read the age correctly, not graduating from high school) to be able to send money home to his parents. He later moved his young family to California for a better life and became the owner to of one of the largest wholesale electrical supply companies in the Western Region United States. Amongst all the many values, he taught me to be fair to everyone and instilled in me the belief that I could achieve anything with hard work. He was a very successful businessman, my hero, and my best friend. He set the example for the person I wanted to be, not only in business but for my community and family as well.

Bio of Kelli Fowler

Kelli moved to Georgia in 1994 after graduating from college and has since made Lake Oconee home, with her husband, Jerry. Kelli has more than 20 years of mortgage experience and prides herself on her commitment to providing exceptional service throughout the lending process. She is an affiliate member of the Lake Country Board of Realtors (LCBR) where she has served as the chair for the Programs/Events Committee for 17 consecutive years and is an affiliate member of Lake Oconee Area Builders Association (LOABA), currently serving as the Lake Vegas Chairman on their Board of Directors. Previously, Kelli worked closely with Habitat for Humanity and served as the chair for Family Selection from 2007-2020 and served on the Executive Board of Directors 2016-2019. Kelli has been recognized as the 2008, 2012, 2017, 2022 and 2023 LCBR Affiliate of the Year.  Kelli is a proud supporter of Make A Wish Foundation-Georgia, St Jude Children’s Research Hospital and Oconee Regional Humane Society.

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.

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