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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.

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

4.86
Ratings
444
Total Reviews
Powered by Experience.com
C
Celia C G
JASPER - GA
Posted on June 1, 2023
5.0
verified-review
The over all experience as a first time homebuyer was great.
T
TEASHA L T
CALHOUN - GA
Posted on May 29, 2023
5.0
verified-review
Was a pleasure working with the team!
S
Suheil K S
BALL GROUND - GA
Posted on May 26, 2023
5.0
verified-review
Communication and professionalism during this process!
M
Mary J G
BALL GROUND - GA
Posted on May 25, 2023
5.0
verified-review
Kristy was always available and kept me in the know throughout the loan/closing process.
S
Saadia G N
BALL GROUND - GA
Posted on May 21, 2023
5.0
verified-review
Kristy was amazing! She kept in contact with me from start to finish.This was my first home and I had very little to worry about. Thank you Kristy!
S
Sarah M V
ROME - GA
Posted on May 8, 2023
5.0
verified-review
I would recommend my friends and family to Kristy Ragsdale.
C
Cheryl D M
UNION CITY - GA
Posted on May 1, 2023
5.0
verified-review
The incredible professionalism from Kristy and Chelsea. They always seemed to be smiling through the phone. I don't check my personal email as much as I should. They remained patient with me, which I appreciated. I'm looking forward to doing more business with Kristy's Team! Awesome Service!
C
Carole P F
HOMER - GA
Posted on April 27, 2023
5.0
verified-review
Great people to work with!
N
Nwaozichi P O
BALL GROUND - GA
Posted on April 26, 2023
5.0
verified-review
Kristy was always available and responded to my calls. She answered all my questions and guided us through the process. She is great.
M
Micaela H R
BALL GROUND - GA
Posted on April 25, 2023
5.0
verified-review
Kristy was so helpful during our entire process. She was always available to answer any questions we had. I would recommend her and her team to anyone!

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