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Whitney Owings

Whitney Owings

Loan Officer

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Bio of Whitney Owings

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 Whitney Owings

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Nancy L V
Posted on April 4, 2024
Whitney was so on top of the entire process even with some complications. I would recommend her highly.
Lauren V
Posted on February 26, 2024
I recently had the pleasure of working with Whitney Owings and had a wonderful experience! Whitney took the time to explain every step of the loan process, making sure that I felt confident and informed throughout the entire journey. Whitney was efficient and thorough, going above and beyond to communicate with me throughout the process, even reaching out on weekends. Despite the quick closing we had, the loan application process remained remarkably smooth and easy. What stood out most was Whitney's genuine care for my overall experience. Her dedication, knowledge, and commitment to her customers make her a true asset to BankSouth Mortgage. I have already recommended Whitney to friends and family and will continue to do so. Thank you so much for making the loan process painless and easy!

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