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Stephen Hester

Stephen Hester

Loan Officer

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Q&A with Stephen Hester

To what do you attribute your success?

Communication. I believe that Communication is key when doing anything in life, personally and professionally. We live in a world where we can quickly access anything, and I love to offer that same service to my clients. I respond quickly, always look for a solution to make a loan work, and communicate throughout the process, no matter if you are a first-time homebuyer or if this is your third home. I believe staying local within my community helps because I will know the true costs, and I can always meet you in person if needed. I live in Gainesville, Georgia, and I get most of my business in Hall County, Gwinnett County, Barrow County, and Jackson County.

Flashback to when you were 10 years old. What did you want to be when you grow up? Why did you choose this type of business?

I always wanted to be a doctor, but college was not an opportunity for me. Doctors serve their community and help people with the most stressful times in their lives. They have to build a successful team around them to get the job done. I believe being a loan officer is similar. We need to have a strong team, operate under pressure, serve our community, and help our clients with life-changing decisions. I love my job, and I love getting to the closing table!

Bio of Stephen Hester

Stephen grew up in Hall County, attending Johnson High School, and briefly studied at Gainesville State College. Happily married to Madison, they share a fantastic relationship, truly being each other's best friend. In their free time, they enjoy playing pickleball, with his passion lying in golf, and recently taking up kayaking as a couple.

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 Stephen Hester

4.95
Ratings
33
Total Reviews
Powered by Experience.com
J
John D D
SUWANEE - GA
Posted on April 7, 2024
5.0
verified-review
Great experience.
Reply from Stephen Hester
Thank you so much!!
P
Patricia F T G
JEFFERSON - GA
Posted on April 4, 2024
5.0
verified-review
Stephen was super helpful, answered all my question and explained everything. I would definitely recommend Stephen.
Reply from Stephen Hester
Thank you so much!! It was great meeting you and your family!
R
Rasema B
JEFFERSON - GA
Posted on April 4, 2024
5.0
verified-review
Stephen was very personable, accessible, and knowledgeable!
Reply from Stephen Hester
Thank you for the kind words!
M
Miguel A R N
JEFFERSON - GA
Posted on April 2, 2024
5.0
verified-review
Super communicative and easy to work with. Always looking for what's better for you. Monthly payments ended up being over $300 less than the first numbers he gave me because he found a better offer for me after a change in the market about a week before the closing date. Highly recommended, you will not go wrong with him.
Reply from Stephen Hester
Thank you so much!! It was great meeting you yesterday and I am glad your friend at the bank made things happen!
J
John D
SOCIAL CIRCLE - GA
Posted on February 18, 2024
5.0
verified-review
Stephen was great, he walked me through the whole process and made everything go very smoothly and very quickly. Would definitely recommend him to anyone that I know.
Reply from Stephen Hester
Thank you for the kind words! It was a fast closing but I am glad we got it done. Enjoy your new home!
K
Keosha T
STONE MTN - GA
Posted on February 9, 2024
5.0
verified-review
Stephen made my closing quick and smooth, anything I needed or questions he made sure to respond right away. He made sure all paper work was right on my end. Thank you for everything.
Reply from Stephen Hester
I am so happy for you, Keosha! Buying your first home is a major accomplishment and you should be very proud!
A
Anthony C
SMYRNA - GA
Posted on February 4, 2024
5.0
verified-review
Great experience! Stephen did awesome helping us find the best option for us.
Reply from Stephen Hester
Congratulations again on your new home! I am so happy for you!!
P
Pablo A M L
LOGANVILLE - GA
Posted on January 30, 2024
5.0
verified-review
The process with the lender was smooth, love the bank application makes the purchasing process very easy, fast and convenient and the best of all is that there were no surprises during process and they were transparent from day one. We are very grateful for all the help that Stephen Hester from BankSouth did for us.
Reply from Stephen Hester
Thank you so much for the kind words! I am so proud of you and your family for your first home purchase!
K
Kaylee M
GILLSVILLE - GA
Posted on January 6, 2024
5.0
verified-review
Great experience thank you
Reply from Stephen Hester
Congratulations again on your first home purchase! I am excited that you are now officially a homeowner!
G
Gayle L B
LOGANVILLE - GA
Posted on November 28, 2023
5.0
verified-review
The service was wonderful. The loan officer was professional, but kind and friendly. He explained things well. He was much appreciated!
Reply from Stephen Hester
It was great meeting you in person, and your family! I hope you enjoy your new home and I look forward to reading your books!

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