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Kristy Ragsdale

Kristy Ragsdale

VP, Sr. 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

4.9
Ratings
483
Total Reviews

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Richard Ciuba Jr
Posted on May 2, 2024
5.0
10/10 very happy
Reply from Kristy Ragsdale
Rick, I appreciate your positive feedback! I'm glad to hear that you're happy with your experience with BankSouth Mortgage. Thank you for your kind words and for the 5-star rating. I look forward to working with you in the future. Best Regards, Kristy Ragsdale
B
Blake D Sellers
Posted on April 21, 2024
5.0
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.
Reply from Kristy Ragsdale
Thank you for the positive feedback, Blake! I'm glad I could assist you and your wife in buying your dream home. Your satisfaction is my top priority, and it means so much to me that you appreciated my fast, clear, and insightful communication. I strive to go above and beyond for all my clients and hearing that I've succeeded is the best reward. Thank you again for choosing BankSouth Mortgage, and for taking the time to share your experience.
I
Imbiss Heath
Posted on April 10, 2024
5.0
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!
Reply from Kristy Ragsdale
I'm truly delighted to hear about your positive experience, Imbiss. It is our goal at BankSouth Mortgage to provide an easy and insightful journey for our clients, especially for crucial milestones like buying your first home. Your trust in us is greatly appreciated. Remember, we are always here to assist you with any future inquiries or needs. Thank you for your wonderful review and the full rating. It means the world to our team! Best wishes, Kristy Ragsdale.
C
Carolyn L Farlow
Posted on April 5, 2024
5.0
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.
Reply from Kristy Ragsdale
I'm so pleased to hear that you had such a positive experience with us here at BankSouth Mortgage. It was our pleasure to provide you with the information you needed and make your long-distance home buying experience as painless as possible. The whole team, including myself, really appreciates your kind words and high rating. It's feedback like yours that makes our work so rewarding. Thank you, Carolyn, for taking the time to leave this wonderful review. We're here for you if you have any other future needs or questions!
A
Abhineesh Puthiyakandiyil
Posted on April 4, 2024
5.0
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.
Reply from Kristy Ragsdale
I'm so pleased to hear about your positive experience, Abhineesh. It was indeed a pleasure guiding you through the mortgage process. At BankSouth Mortgage, we aim to provide the most seamless and efficient service to our customers, and I'm glad we were able to meet your expectations. If you ever have any more questions or need assistance in the future, don't hesitate to reach out. Your satisfaction is our highest priority! Thank you for your kind words and for choosing BankSouth Mortgage for your home loan needs.
D
Daniel Sikora
Posted on April 4, 2024
5.0
Responsive and helpful
Reply from Kristy Ragsdale
I'm truly grateful for your kind words and high rating, Daniel. It's always my top priority to provide responsive and helpful service. Don't hesitate to reach out if you need future assistance with any mortgage needs. Thanks for choosing BankSouth Mortgage.
J
Jermaine K Newell
Posted on April 4, 2024
5.0
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.
Reply from Kristy Ragsdale
Thank you so much for your kind words, Jermaine. I am happy to hear that you had a smooth experience to the closing table. Your satisfaction is always my top priority.. It was a pleasure working with you as well. If you have any other questions in the future, don't hesitate to reach out. Wishing you all the best in your new home. Best Regards, Kristy Ragsdale, BankSouth Mortgage
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Trisha Leigh Jones Powell
Posted on April 3, 2024
5.0
My first house purchase on my own. Easy process. Very helpful.
Reply from Kristy Ragsdale
I'm glad to hear that you found the process easy and felt well-supported, Trisha! Your first home purchase is a significant milestone and I'm honored I could help you along the way. I'm pleased that you had a positive experience with BankSouth Mortgage. Thank you for your kind rating. If there's anything else you need in the future, please don't hesitate to reach out.
B
Bridget Ray
Posted on April 3, 2024
5.0
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.
Reply from Kristy Ragsdale
I'm so happy to hear you had such a positive experience, Bridget! Ensuring a smooth and successful mortgage process for my clients is my top priority, so it's wonderful to know that my efforts made a difference. Your kind words and recommendation mean a lot to me. I'm always here for you, and I hope we get to work together again in the future. Thank you so much for choosing BankSouth Mortgage! Best, Kristy Ragsdale.
H
Heather I Allsbrook
Posted on April 2, 2024
5.0
Kristy was extremely helpful to us. We were first time home buyers and she made the process so much easier!
Reply from Kristy Ragsdale
Heather, your kind words and appreciation mean a lot to me. I am thrilled to hear that you had a positive experience as first-time homebuyers. It was my pleasure to guide you through the process and I'm happy it was made easier for you. At BankSouth Mortgage, we always strive to provide the best service to our customers. Thank you for your 5-star rating. I look forward to helping you again in the future. Best wishes, Kristy Ragsdale.
D
Douglas Beard
Posted on February 25, 2024
5.0
Everthing went smoothly
Reply from Kristy Ragsdale
I'm delighted to hear everything went smoothly with your experience, Douglas! It's always my goal to provide a seamless process for each of my clients at BankSouth Mortgage. Thank you for the high rating and your kind words. Always here if you need any more assistance.
L
Lucille Marie Gardella
Posted on February 19, 2024
5.0
Everyone was helpful and very professional. The loan process was very easy and any questions I had were answered promptly.
Reply from Kristy Ragsdale
I appreciate your positive feedback, Lucille. I'm delighted to hear that you found our team helpful and professional. We strive to maintain high standards of service while ensuring our loan process is easy and efficient. If you have any more questions or need assistance in the future, please do not hesitate to contact me. Thanks again for choosing us and for your kind review.
J
Jennifer Kelly
Posted on February 18, 2024
5.0
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 Gardella
Posted on February 15, 2024
5.0
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 Brown
Posted on February 9, 2024
5.0
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 Ramineni
Posted on February 5, 2024
5.0
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 Ravula
Posted on February 2, 2024
5.0
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!
Y
Yimmy J Robustelli
Posted on January 26, 2024
5.0
Muy buena la experiencia con la amiga Kristy muy cordial pasiente y muy comunicativa la recomiendo 100%
Reply from Kristy Ragsdale
Hello Jimmy, I am beyond grateful for your kind words. It was truly a pleasure to assist you throughout your home purchase. I strive to maintain a strong line of communication and patience with all my clients. Your recommendation means a lot to me. Your agent was so very helpful as well! Thank you for trusting me and for your positive feedback.
R
Rolanda Cook-Witt
Posted on January 21, 2024
5.0
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 Boyd Chambers Jr.
Posted on January 20, 2024
5.0
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.

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