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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

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Stacey J
Posted on September 24, 2023
We recently worked with Stephen Hester at BankSouth Mortgage to purchase our new home. He was very easy to work with and kept in constant contact with us to help us through the process. Our closing went smoothly with no issues.
Reply from Stephen Hester
Thank you, Stacey! I am sorry I could not make the closing but it was great meeting and your husband through FaceTime!
Yetsy A R A
Posted on August 28, 2023
I started the process of wanting to buy a house and for almost a year , Stephen Hester and my real estate agent were by my side to help me every step of the way, and for almost a whole year finally with patience and guidance, they helped me achieve the process and all this culminated in the purchase expected for many months! The perfect house for my family! Thank you !! Stephen Hester from BankSouth Comencé el proceso de querer comprar una casa y durante casi un año . Stephen Hester y mi agente de bienes raíces estuvieron a mi lado para ayudarme en cada paso del camino, y durante casi un año entero finalmente con paciencia y orientación, me ayudaron a lograr el proceso y todo esto culminó en la compra esperada desde hace muchos meses! ¡La casa perfecta para mi familia! Muchas Gracias Stephen Hester from BankSouth
Reply from Stephen Hester
Thank you, Yetsy! I am so proud of you and your family!
Bethany M V
Posted on August 26, 2023
Stephan was professional, patient, and great at communicating and explaining/breaking down everything for us! He knew that it was our first time buying a home and helped us understand everything every step of the way. He was also great with advise on how to reach our goals! So glad to have done business with him!
Reply from Stephen Hester
Thank you for the kind words! I am happy for you and now you are a homeowner!!
Uzma K
Posted on August 23, 2023
Stephen helped above and beyond and answered all my questions in detail as I went through the house buying process!
Reply from Stephen Hester
Thank you! I appreciate you always answering so quickly!
Marisa A L
Posted on August 9, 2023
Stephen made this buying experience so easy! He was professional, knowledgeable, and communicated in a timely manner on everything! Thank you for such a streamlined process!
Reply from Stephen Hester
Thank you! I have a great team who makes me look good. Congratulations again on your new home!
Aaron S
Posted on August 5, 2023
Stephen helped make a difficult process easy!
Reply from Stephen Hester
Thank you so much! You were great to work with and I appreciate you always knocking everything out so quickly!

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