Kristy Ragsdale
VP, Sr. Loan Officer
Q&A with Kristy Ragsdale
Why did you decide on your career?
Many lenders say that when they started working in the mortgage industry, they had no expectation for it to evolve into a career. It seems that once you get into it you do not get out. This applied to me. I did not intend for it to be my career but I absolutely fell in love with it. It is very rewarding to be involved with homeownership. You see the joys and achievement it brings to families.
List up to 3 things you enjoy doing on weekends.
On the weekends I enjoy cooking. I love to eat and cooking different cuisines. I also enjoy sailing our Hobie Cat and fishing off the back. I take in a concert any chance I get.
List 1-3 reasons you’re different than others in your profession.
I have over 20 years experience as a lender. I strive to communicate through each step of the process. I have a great attention to detail. I am committed to providing the best mortgage experience for my clients.
Bio of Kristy Ragsdale
Kristy is an Atlanta native and a licensed mortgage loan originator who specializes in new construction. As a mortgage specialist, Kristy is dedicated to providing the most exceptional customer service available for both seasoned and first-time homebuyers. She has over 20 years of experience in assisting buyers in achieving the American dream of home ownership. Kristy is a gold and platinum recipient member of the Mortgage Bankers Association of Georgia. She is here to assist you with any questions or guidance needed through the lending process.
Awards
What Customers Say About Kristy Ragsdale
560
Total Reviews
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Gladys Mboi
Posted on November 20, 2024
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Henry Grayman
Posted on November 15, 2024
Kristy and her team are amazing!
Thank you for all of your help!!!
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Leddymar Libutti
Posted on November 11, 2024
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Scott Clarke
Posted on November 4, 2024
Kristy and her team were extremely helpful and professional
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King Edwards
Posted on November 2, 2024
Kristy and her team was very good keeping me updated on all documents.
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King Edwards
Posted on November 1, 2024
Kritsty and the team working alongside her have exceeded the home buying process as a first-time homeowner.
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Kenisha Williams
Posted on October 31, 2024
Bank South Mortgage was the best company we've worked with and Kristy was the absolute best...definitely would recommend.
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Jay Earley
Posted on October 28, 2024
Overall great
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Tevarus Wimberley
Posted on October 26, 2024
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Jessica Charles
Posted on October 12, 2024
I can’t recommend Kristy Ragsdale at BankSouth Mortgage highly enough! As a first-time homebuyer, I was nervous about the process, but Kristy made the entire experience incredibly smooth and stress-free. From the very beginning, she took the time to understand my specific needs and tailored the entire process to suit them. Her communication was outstanding every step of the way, keeping me updated and answering all of my questions in a timely manner. Kristy’s expertise and promptness made everything feel easy and efficient. Thanks to her, what could have been a stressful experience turned into a truly enjoyable one. I’m beyond grateful for her guidance and would highly recommend her to anyone looking for a mortgage expert who genuinely cares!
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Osabenmo Oparison
Posted on September 28, 2024
Best experience I could have hoped for on my first home!
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Tanika & Charles Pitts
Posted on September 28, 2024
I recently had the pleasure of working with Kristy Ragsdale during our homebuying journey, and I can't recommend her highly enough. From start to finish, Kristy was incredibly thorough and transparent, ensuring that I understood every step of the process. Their dedication to clear communication made what could have been a stressful experience much more manageable.
What truly set Kristy apart was their ability to offer creative and effective alternatives whenever we encountered challenges. Their proactive approach and problem-solving skills were invaluable, and they always had our best interests at heart. Thanks to Kristy, I felt confident and well-supported throughout the entire process. If you’re looking for a mortgage loan officer who goes above and beyond, look no further than Kristy Ragsdale!
Best Regards,
Charles & Tanika Pitts
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TANIKA CROCKETT PITTS
Posted on September 28, 2024
I recently had the pleasure of working with Kristy Ragsdale during our homebuying journey, and I can't recommend her highly enough. From start to finish, Kristy was incredibly thorough and transparent, ensuring that I understood every step of the process. Their dedication to clear communication made what could have been a stressful experience much more manageable.
What truly set Kristy apart was their ability to offer creative and effective alternatives whenever we encountered challenges. Their proactive approach and problem-solving skills were invaluable, and they always had our best interests at heart. Thanks to Kristy, I felt confident and well-supported throughout the entire process. If you’re looking for a mortgage loan officer who goes above and beyond, look no further than Kristy Ragsdale!
Best Regards,
Charles & Tanika Pitts
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Eugene Ogletree Jr
Posted on September 25, 2024
Kristy is absolutely amazing. I spoke with Kristy for the first time on 8/6/24 and I closed on my house on 9/23/24. She went above and beyond of what the first 2 mortgage lenders that I applied to did. She handled my case as if she was buying the house for herself, and on at least 3 occasions I told her that it feels like she is going above and beyond to get me into this house. She just laughed and said that she was going to get me into that home. Don't waste your time going somewhere else when Kristy will work as hard for you as you would work for yourself. The dates above tell the story and now I am in a brand new home in a brand new community ; thanks to Kristy Ragsdale at BankSouth.
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Benmo Oparison
Posted on September 24, 2024
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Madhavi Vadla
Posted on September 23, 2024
It’s great working with Kristy. Everything went smooth and all the communication was made on time and clear.
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Madhavi Data
Posted on September 22, 2024
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chidinma nwachukwu
Posted on September 21, 2024
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Mary Pinellas
Posted on September 21, 2024
Kristy Ragsdale she was so helpful. She was so amazing.
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Domenique Washington
Posted on September 19, 2024
Kristy made my dream of owning a home come true! She and her team are efficient, transparent, and really good at what they do. I called poor Daniel 50 times to ask about certain documents needed and he always answered the phone and was ready to help. I love that there’s an online portal to submit your documents—no more emails all over the place, just upload and keep it moving. Kristy is very well versed with the many loan products available on the market and she can work out the best course of action to what works for your budget and lifestyle. I am really happy that Smith Douglas Homes uses Bank South as a preferred lender—the entire process was so EASY!!! My closing was 1/2 digital and I was done signing in about 30 minutes thanks to the technology of her team.
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BankSouth Mortgage Company, LLC, NMLS #690971 is not a bank or other depository institution and is not FDIC-insured.
BankSouth Mortgage Company, LLC is a wholly owned subsidiary of BankSouth, NMLS #688851, a federal savings bank and Member FDIC.
Alabama Consumer Credit License #MC 21415 DBA LoanSouth Mortgage.