Builder you trust. Lender you deserve.
Kerley Family Homes and New Construction Lending Expert, Theresa Garcia, have partnered to make the homebuying process smoother and faster.
Explore Kerley Family Homes’s new communities in Adairsville an Dallas, Georgia
103 Village Green Dr NE, Adairsville, GA
15 Madison Ln, Adairsville, GA
250 Polk Ave, Dallas, GA
Theresa Garcia, NMLS #205112 is a mortgage loan officer at BankSouth Mortgage. She specializes in new-construction lending and partners closely with Kerley Family Homes buyers to streamline approvals, offer flexible loan strategies, and provide personalized support.
At BankSouth Mortgage, we combine hometown expertise with the power of ReadyLoan™, our secure online application platform. With ReadyLoan®, you can apply online, upload documents securely, and track your loan’s progress from any device. Our loan officers understand their markets, loan programs, and borrowers, working with you one‑on‑one to tailor the right program.
Q: How do I get pre-approved for a new construction home with BankSouth Mortgage?
A: Start by completing our online application or contacting Theresa Garcia. We will walk you through every step, from documentation to closing.
Q: What types of mortgage loan programs are available?
A: BankSouth Mortgage offers a variety of loan programs, including Conventional, FHA, VA, and USDA loans. We have flexible mortgage options for non-traditional income buyers and provide options where you can choose your term. Theresa can help you choose the right one based on your goals and eligibility.
Q: Can I lock my mortgage rate early when building a home with Kerley Family Homes?
A: Yes. Ask Theresa about rate lock options available for new construction buyers and BankSouth Mortgages complimentary rate float-down
Q: What credit score do I need to buy a home in Georgia?
A: Many homebuyers qualify with a score of 620 or higher. Theresa can review your full financial picture and help you understand your options.
Q: Are down payment assistance (DPA) programs available?
A: Yes. There are several DPA options available for qualified homebuyers in Georgia. Not all loan types are eligible for these programs. Theresa can help you understand which programs may apply based on your financial profile and home purchase goals.
Q: Is BankSouth Mortgage local to Georgia?
A: Yes. We are a Georgia-based lender with deep roots and extensive local expertise.
Q: What sets Kerley Family Homes apart in the Atlanta market?
A: Kerley Family Homes offers thoughtfully designed floorplans, family-friendly amenities, walkable neighborhoods, and a strong reputation locally.
Kerley Family Homes and BankSouth Mortgage are separate entities. Your loan is subject to credit approval and documentation. Some loan programs are not eligible for Down Payment Assistance (DPA) programs. Rate lock or float-down options may be available and are subject to program terms and restrictions. Loan programs, terms, rates and conditions vary by property type, location, borrower eligibility and are subject to credit and property approval. Not all programs are available in all areas. Income and purchase limits may apply. This is not a commitment to lend.
