Rome & Floyd County Home Loans
Trusted Local Lending from BankSouth Mortgage
Home financing should be simple, secure, and local.
At BankSouth Mortgage, we combine hometown expertise with the power of ReadyLoan™, our secure online application platform so you can get pre-approved quickly and move into your new home with confidence.
Serving: Rome, Armuchee, Lindale, Silver Creek, and all of Floyd County, GA.
- Local Expertise — Work with loan officers who know the Rome housing market.
- Digital Speed — Apply in minutes using ReadyLoan™ anytime, anywhere.
- Personal Guidance — Get support from start to close, every step of the way.
- Secure & Compliant — Your information stays protected with BankSouth’s trusted technology.
Find the Right Mortgage for You
Conventional Loans
Competitive rates and flexible terms for qualified buyers.
FHA Loans
Low down payment options designed for first-time buyers.
VA Loans
Exclusive benefits for eligible veterans, service members, and their families — often with no down payment.
USDA Loans
Zero-down programs for qualifying rural areas ideal for many Floyd County properties.
Jumbo Loans
Financing for higher-priced homes above conforming loan limits.
Refinancing Options
Lower your monthly payment, shorten your term, or tap into your home’s equity.
Estimate Your Monthly Payment
Use our quick payment estimator to get an idea of what your mortgage could look like.
Enter your home price, down payment, and loan type, and view your estimated monthly payment instantly.
This tool is for illustrative purposes only and does not constitute a rate quote. For personalized results, start your ReadyLoan™ application.
Get Pre-Approved Today
Ready to take the first step?
You can get pre-approved in as little as one business day all through ReadyLoan™, our secure online portal.
Option 1: Complete our short pre-qualification form
Option 2: Apply instantly through ReadyLoan™
Once you’re pre-approved, a local loan officer will contact you to review your options, answer questions, and guide you through next steps.
Why Homebuyers in Rome & Floyd County Choose BankSouth
Local Knowledge
We understand the neighborhoods, schools, and market trends that matter.
Fast Decisions
Streamlined digital process through ReadyLoan™.
Personal Service
Real people ready to answer your questions.
Trusted Lender
Backed by BankSouth’s decades of mortgage experience and customer care.
How It Works
- Connect – Tell us about your goals and property.
- Pre-Approval – Get a same-day response through ReadyLoan™.
- Choose Your Loan – Compare options and lock in your rate.
- Close Confidently – Our team coordinates every detail until you have the keys.
What Our Borrowers Say
Frequently Asked Questions
How quickly can I get pre-approved?
Most borrowers receive a same-day response through ReadyLoan™ once we have your information.
What down payment do I need?
Down payments vary by program – FHA loans start at 3.5%, and VA or USDA loans may offer 0% down options.
Will checking my options affect my credit?
No. Initial pre-approval uses a soft credit pull and won’t affect your score.
Can I complete the entire process online?
Yes. With ReadyLoan™, you can securely upload documents, track your progress, and communicate with your loan officer.
Ready to Get Started?
Whether you’re buying your first home in Rome or refinancing in Floyd County, we’re ready when you are.
Buying
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Refinancing
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BankSouth Mortgage Company, LLC, NMLS #690971 is not a bank or other depository institution and is not FDIC-insured.
BankSouth Mortgage Company, LLC is a wholly owned subsidiary of BankSouth, NMLS #688851, a federal savings bank and Member FDIC.
Alabama Consumer Credit License #MC 21415 DBA LoanSouth Mortgage.