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Preston Laird

Preston Laird

VP, Producing Production Manager

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Bio of Preston Laird

Introducing Preston, your seasoned mortgage loan officer, proudly serving Savannah, Georgia, and neighboring communities. With a robust 16-year banking career, Preston's journey began in 2007, initially in retail banking at BB&T, followed by a tenure with The Coastal Bank of Savannah and as a Commercial Banker with Colony Bank. Later, he transitioned into mortgage origination in 2012, contributing his expertise to United Community Bank and Certainty Home Loans.

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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 Preston Laird

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Anthony David Williams SR
Posted on April 15, 2024
Excellent experience all around
Harry Edgar Walker Jr.
Posted on April 11, 2024
From what I can tell, Preston is very good at what he's doing. Underwriter, not so much.
Marshernell Walker
Posted on April 11, 2024
My husband and I can not even find the words how thankful we are to have worked with Preston and his team. He truly exemplifies what passion he has for his job means. Never once did he give up on helping us, even when I was ready to quit he kept fighting to help my husband and I bring our dream of home ownership to a bright reality. He and his team answered every question and every call to ensure we understood the process. I'm so thankful to have met Preston and I look forward to referring people to him in the future.
Jonathan Luke Patrick
Posted on April 2, 2024
Preston at BankSouth was fantastic. We spoke with many brokers and none where even close to his level of professionalism and mortgage loan rate. He also really knew his stuff. Our mortgage was not the simplest and he made it go by like a breeze and close within 23 days. Just call Preston at BankSouth and save yourself a lot of time and headache

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