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Kristy Ragsdale

Kristy Ragsdale

VP, Loan Officer

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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

4.85
Ratings
503
Total Reviews
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D
Douglas B
JASPER - GA
Posted on February 25, 2024
5.0
verified-review
Everthing went smoothly
J
Jennifer K
CANTON - GA
Posted on February 18, 2024
5.0
verified-review
Kristy was very informative and helpful throughout the process. This was my first home buying experience and she made it a very smooth process
Reply from Kristy Ragsdale
Jennifer, I am so happy to hear you had such a beneficial experience! It's always my goal to keep my clients well-informed and to streamline the mortgage process, particularly for first-time home buyers. I'm so pleased I could help and be a part of your journey into homeownership. Thank you for choosing BankSouth Mortgage and for taking the time to share your positive feedback. I truly appreciate the five-star rating!
P
Paul E G
JASPER - GA
Posted on February 15, 2024
5.0
verified-review
Excellent service throughout the process.
Reply from Kristy Ragsdale
I'm thrilled to hear that you found the service excellent throughout the process, Paul. Your positive feedback truly means a lot to me and the entire team at BankSouth Mortgage. We always aim to deliver the best possible service, and it's great to know we hit the mark with you. Thank you for taking the time to leave a review and for the perfect rating. It was a pleasure to be of service.
T
Taylor B
CARTERSVILLE - GA
Posted on February 9, 2024
5.0
verified-review
She was always there to answer my questions whenever I had them
Reply from Kristy Ragsdale
Hello Taylor. I truly appreciate your kind words and the stellar review. It was my pleasure to be there for you whenever you had questions. We strive to provide the best service possible for our customers. Your satisfaction is our top priority. Thank you for choosing us for your mortgage needs.
A
Ajith K R
CANTON - GA
Posted on February 5, 2024
5.0
verified-review
Working with Kristy was great. Helped us instantly with any questions on loan. Always worked with us to find different ways to get a better deal. Would definitely recommend.
Reply from Kristy Ragsdale
Thank you so much for your positive feedback, Ajith. It was truly a pleasure working with you to find the best possible deal for your loan. I am always here to answer any questions you may have and assist in any way possible. I appreciate your recommendation and I look forward to possibly working together again in the future. Thanks again for choosing BankSouth Mortgage. Take care! - Kristy Ragsdale
L
Lavanya R
CANTON - GA
Posted on February 2, 2024
5.0
verified-review
Overall experience was great
Reply from Kristy Ragsdale
I'm thrilled to hear that you had a great experience, Lavanya! At BankSouth Mortgage, we always strive to provide top-notch service to valuable customers like you. Thank you for taking the time to review my services and for giving a stellar 5-star rating. Your feedback is greatly appreciated!
R
Rolanda C
CARTERSVILLE - GA
Posted on January 21, 2024
5.0
verified-review
The loan process with BankSouth, Kristy Ragsdale, and her entire team made the home buying process seamless. The team went out of their way to make the dream come true, alleviating any stress or fears. I would definitely use them again if the need arises and without a doubt refer their services to others. I could not have chosen a better mortgage company. Many thanks and heartfelt appreciation.
Reply from Kristy Ragsdale
Hello Rolanda, I'm genuinely touched by your wonderful review. At BankSouth Mortgage we strive to create a smooth and stress-free home buying process for our clients, and hearing that we achieved this goal for you is incredibly rewarding. We're delighted that we were able to help make your dream come true. Your words of appreciation mean the world to us, and your willingness to refer our services is the highest compliment we could receive. Please don't hesitate to reach out if you need anything in the future. Thank you so much and take care!
S
Stephen B C J
CANTON - GA
Posted on January 20, 2024
5.0
verified-review
Kristy and her team were great, transparent, educational, and kind. As a first time home buyer I had a lot of questions regarding fluctuating interest rates and she didn't shy away to help me learn. Thank you!
Reply from Kristy Ragsdale
Hello Stephen, I'm overjoyed to hear that you had a positive experience with us, Stephen! Providing clear and educational advice to our customers, especially first-time homebuyers, is very important to us. We understand the complexities of fluctuating interest rates can be intimidating, so I'm glad I could assist in clarifying those concerns. Your thoughtful words and 5-star rating are greatly appreciated. Thank you for choosing BankSouth Mortgage, and we're here if you need any further assistance.
P
Pravalika D
JASPER - GA
Posted on January 12, 2024
5.0
verified-review
Excellent work
Reply from Kristy Ragsdale
I'm very pleased to hear that you found my work excellent, Pravalika! Your positive feedback truly means a lot to me. We are committed to providing our customers with the best service, and it's wonderful to hear that you had a 5-star experience. If there's anything else you need in the future, don't hesitate to reach out. Thanks again for your kind words and for taking the time to review my work!
E
Ekta W
HIRAM - GA
Posted on December 19, 2023
5.0
verified-review
Kristy is very knowledgeable and pleasant to work with. She gave us good advice every step of the way and patiently answered all our questions. The best part is great communication and responsiveness. I plan to contact Kristy for my future investment properties.
Reply from Kristy Ragsdale
Hello Ekta, I'm so grateful for your kind words, Ekta! It was a pleasure working with you and your husband through the process and I'm thrilled that you found the advice helpful. Communication is key in our field and I'm glad you appreciated my responsiveness. I'm really looking forward to assisting with your future investment properties! Thank you for choosing BankSouth Mortgage and for the wonderful review. Best, Kristy Ragsdale.

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