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
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 Kristy Ragsdale
524
Total Reviews
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felicia reed
Posted on July 19, 2024
Kristy & her team were great to work with. They fast, efficient, knowledgeable & patient. They were in constant communication at every step of the way. I never felt I was alone in the process. I would choose them ever time.
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Mike Junkins
Posted on July 19, 2024
Loved working with Kristy Ragsdale, she is awesome! Fast, efficient, accurate, and an awesome communicator. I cannot think of anything I could suggest that would improve Kristy and her team.
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Angel Harris
Posted on July 5, 2024
Kristy was awesome. As a self-employed individual, I worried about the feasibility of home ownership. Kristy helped me to thoroughly understand the process and ensured that my application included the correct documentation. I would recommend her and her team for your next home loan.
M
Mike Junkins
Posted on June 19, 2024
I have had a number of mortgage loans in the past, and most of those were problematic because of the mountains of details handled in a slipshod manner. What a difference at BankSouth! I worked with Kristy Raggsdale’s team in one of the smoothest and most professionally executed transactions I have ever experienced. The website and processes run smoothly, but the secret of success for BankSouth is Kristy Raggsdale. She is the most personable, professional, and highly effective bank executive I have met. Questions that had not even come up yet were answered in advance as she strolled me effortlessly through the loan. It seemed as though I was her only project because she was always up to date on every detail. BankSouth, I hope you appreciate the difference Kristy makes to your organization.
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Richard Ciuba Jr
Posted on May 2, 2024
10/10 very happy
B
Blake D Sellers
Posted on April 21, 2024
Kristy was so helpful when my wife and I were trying to buy our dream home! She went above and beyond in every way and her communication was fast, clear, and insightful. Can’t thank her enough.
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Imbiss Heath
Posted on April 10, 2024
Kristy and her team were truly knowledgeable and supportive from start to finish. The team provided insight throughout the entire process and quick responses to any questions we had. Her team made buying our first home such a breeze. We are so thankful for them!
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Imbiss Willis
Posted on April 10, 2024
Kristy and her team were knowledgeable and helpful throughout the entire process. We received quick responses and were updated throughout every step of the way. They truly made our first home buying process a breeze. Thank you for everything!
C
Carolyn L Farlow
Posted on April 5, 2024
Kristy and staff was always kind, helpful and informative when we had questions. They made the home buying experience from NV go painless. Smith Douglas has also made this long distance purchase nearly hassel free. We thank you all involved.
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Abhineesh Puthiyakandiyil
Posted on April 4, 2024
Kristy was always reachable and available to explain us about the process and in case of any questions or clarifications.
Overall Kristy and team was taking us through mortgage process seamlessly and effectively.
I am proud that Bank South was able to process my mortgage loan without any hassles.
D
Daniel Sikora
Posted on April 4, 2024
Responsive and helpful
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Jermaine K Newell
Posted on April 4, 2024
It was a pleasure working with Kristy. She was very patient and helped every step of the way so I could get to the closing table with no hiccups.
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Trisha Leigh Jones Powell
Posted on April 3, 2024
My first house purchase on my own. Easy process. Very helpful.
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Bridget Ray
Posted on April 3, 2024
Kristy was very responsive and assisted with great advice. Pleasant to deal with and available even after hours when we called. I would recommend anyone call her and her team for any mortgage needs.
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Heather I Allsbrook
Posted on April 2, 2024
Kristy was extremely helpful to us. We were first time home buyers and she made the process so much easier!
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Douglas Beard
Posted on February 25, 2024
Everthing went smoothly
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Lucille Marie Gardella
Posted on February 19, 2024
Everyone was helpful and very professional.
The loan process was very easy and any questions I had were answered promptly.
J
Jennifer Kelly
Posted on February 18, 2024
Kristy was very informative and helpful throughout the process. This was my first home buying experience and she made it a very smooth process
P
Paul E Gardella
Posted on February 15, 2024
Excellent service throughout the process.
T
Taylor Brown
Posted on February 9, 2024
She was always there to answer my questions whenever I had them
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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.
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