BankSouth will be observing the Christmas and New Year’s holidays with adjusted hours.
We will close at 12pm on Christmas Eve, and will be closed on Christmas Day and New Year’s Day.

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Personal Banking

Personal Banking

At BankSouth, we value the trust you place in us to safeguard your money and work every day to ensure you have easy and secure access whenever you need it.

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Business Banking

Business Banking

BankSouth has been helping business owners launch and grow their businesses in the community for generations.  Whether you’re opening a new location or expanding your existing one, we’re ready to help.

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Online Access

Online Access

BankSouth offers immediate and easy access to your mobile and online banking. You can also apply for and review your ReadyLoan mortgage application.

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Banking Resources

Banking Resources

Every financial situation is unique. Explore our many resources available to you to make wise decisions when it comes to managing your money.

Be Smart With Money

Mortgage

Mortgage

For over ten years, BankSouth has helped thousands of families finance their homes.  We know how daunting this may be, but we take the worry and hassle out of the process.

Learn MoreStart Your Application

Experience Mortgage Excellence

The mortgages you need to get your home. The team that understands your life.

Apply Online Find a Mortgage Banker

Fixed-Rate vs. Adjustable-Rate

There are two different types of mortgages, a fixed-rate mortgage and an adjustable-rate mortgage (ARM). Which is better? In this blog, we explain each and list the benefits to help you weigh the pros and cons so you can make an informed decision.

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Rate Lock Options

Lock in your mortgage interest rate and proceed with peace of mind knowing you are protected against a rise in interest rates during your lock period.

Learn more and secure your rate.

"Shannon was amazing throughout the entire home buying process from day 1. She was extremely responsive, helpful, and so patient with me as a first-time home buyer. If I had any questions or even concerns at any point, she would walk me through all options. I also really appreciated the portal used to track the status of my loan and for securely sharing documents. Kudos to the team that created that."
Amanda D.
Homebuyer
“Liz Taylor worked with me to get my documents in and explained to me how to do things. If I called her with questions, she would get back with me right away regardless of if it was night or day. She worked to put me in my best financial position, and she listened to me and supported me in going through the entire process.”
Mary B.
Homebuyer
“Brian was such a pleasure to work with all around. He is so personable and gave clear instructions and explanations for everything. Working to obtain a mortgage and go through the closing process is not something you do every day and most likely is not that often, and Brian makes sure you understand what is going on every step of the way. I will definitely recommend Brian to anyone I know going through this process and would turn to him again when needed in the future. Brian helped make this process comfortable and easy.”
Tricia M.
Homebuyer
“Jessica was awesome! She was so helpful throughout the entire process. Anytime I had questions, she was more than willing to chat through them. Home buying can be scary, especially if it’s your first time. But Jessica’s willingness to help me understand all things home buying really put me at ease.”
J.L.
Homebuyer
“My husband and I couldn’t have worked with a better lender. Cleveland went above and beyond to educate us as new home buyers and give us confidence in the goals we have worked so hard to achieve. Throughout the process, we were sure that we could rely on him to make the process smooth and save us from ultimate disappointment. He came to closing with us just to ensure that. I called Cleveland periodically with my “silly” questions and he answered them with thoughtful and encouraging responses. We are incredibly thankful to be connected with him!”
Darian G.
Homebuyer
“Carol and her team were extremely helpful & communicative. They were available whenever we needed to ask a question about the mortgage process and often answered questions before I knew to ask them. We had the smoothest experience, and I learned a lot about the home-buying process each step of the way.”
Brady E.
Homebuyer
“Stuart Saunders and his team were excellent. We have closed on multiple mortgages in FL and GA and BankSouth Mortgage was, by far, the best experience we’ve ever had. Stuart was so fast with his communication and explained everything very clearly. The BankSouth Mortgage portal was also very helpful. We will highly recommend Stuart and BankSouth Mortgage to anyone we know who is applying for a mortgage loan!!”
Heather C.
Homebuyer
“Nikki was an absolute blessing to work with. She helped us with things that were confusing to us and explained it on a level that we could understand. Her response time was very prompt. If someone is buying a house, I will definitely recommend Nikki!”
Molly G.
Homebuyer
“Joy at BankSouth Mortgage provided great advice and service throughout the entire loan process. Everyone at BankSouth Mortgage was easy to work with and answered any questions I had quickly. Highly recommend.”
Joanna M.
Homebuyer
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Mortgages Don’t Have To Be Scary

Buying a home is a big deal. You deserve clear language, clear timelines, and clear expectations. At BankSouth, we believe that your lender should be on your side.

We’ll make sure you feel comfortable with your choices, confident in your decisions, and informed every step of the way.

Learn how the process will work, meet the people you’ll be working with, and get the information you need to move forward.

See how the process works for you

Mortgage Experts Dedicated To You

Our team lives in the region. We work here. We’re your neighbors. Whether you are moving toward the next step of ownership, refinancing or renovating your home, you deserve people who are committed to helping you build the next step of your life.

Our Mortgage Bankers have helped thousands of people like you get the mortgage that’s right for them. There’s no agenda: there’s just partnership.

Competence. Compassion. Commitment. It’s how you get home.

Meet Our Mortgage Team

Your Mortgage Resources

You’re not just financing a home. You’re building a life. Here’s the support you need to help you make the best decisions.

banking tools

Calculators

Figure out your how your payments may look, and more. Understand your finances before making a commitment.
glossary

Glossary

There are a lot of jargon-y terms in banking. Here’s some you’ll be hearing throughout the mortgage process.
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Articles

Our experts love talking about mortgages and the home-buying process. These articles will help you understand all the ins and outs.
mortgage

Refinance Your Mortgage

Is refinancing right for you? Is it time to lower your rates or shorten the terms of your mortgage? Are you looking to renovate or to obtain equity cash to finance a big life milestone? What will work best for your future plans? Our team is here to answer those questions and plan your next steps.

Get Started Today

The Mortgage and Lending Services You Need

There are a lot of different types of mortgages out there. Our job is to find you the right one. We’ll help you understand how how your home financing works for you when you close and for decades to come.

Your mortgage isn’t far away. A customized mortgage plan puts you in control with down payments and mortgage payments that make sense for your lending needs. You can take the steps to this investment in your future.

It’s your life. It’s your future. We’re here to make it happen for you.

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Conventional

Diverse mortgage options for qualifying homebuyers and homeowners.
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Construction

Build a dream home entirely from scratch.
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FHA

FHA loans are designed with first time homebuyers in mind, with less rigid qualification guidelines and lower down payment requirements.
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USDA Rural

Funds can be used to build, repair, renovate or relocate a home, or to purchase a home.
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Refinancing

Lower your rate, reduce your loan term, allow you to take cash out to pay down debts or do home improvements.
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VA

Special financing for military personnel, offering favorable terms and include options to buy, build, renovate, and refinance a primary residence.
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Low to No Down Payment

No downpayment? No problem! Our low to no downpayment options include downpayment assistance options!

Construction and Renovation

Sometimes, your perfect house isn’t on the market…so you build it. With generous construction and renovation mortgages, you can have the time and capital you need to turn a dream into reality.

Some features include:

  • Down payments as low as 10%
  • Purchase and Refinancing Loans
  • Conforming and Jumbo options
  • In-House Underwriting- Local Decision Making
  • Interest Only Payments during Construction
  • Available for Properties throughout Georgia and beyond
  • Available for primary or second homes

We back builders. We support you.

Construction and Renovation

It’s Time To Go Home

Mortgage lenders should be on your side, every step of the way. If you’re ready to take the next step, talk to us or apply online today.

Apply Today