Joy Brown
VP, Senior Loan Officer
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 Joy Brown
495
Total Reviews
A
Avery D C
Cartersville - GA
Posted on April 11, 2024
Joy and the bank south team was really helpful throughout this process. Being a First time home buyer, bank south was able to help assist throughout the whole process and communicate everything we needed to know. Very responsive to every questions we had along the way.
S
Starr L L
Rome - GA
Posted on April 10, 2024
Great experience
L
Liletta C
LITHIA SPGS - GA
Posted on April 8, 2024
Joy was very attentive, knowledgeable, and accretive. She made the process easy by keeping me informed all the way. I really apricated that.
F
Francis N J F
Adairsville - GA
Posted on April 4, 2024
I’ve heard horror stories about closing on a house… this being my first experience I was unsure what to actually expect.
The whole experience was efficient and straightforward. If I had to do it again, I would!
Thanks to Joy and her team for making it so easy!
S
Sonya E W
LITHIA SPRINGS - GA
Posted on April 4, 2024
Joy was friendly, prompt, and extremely knowledgeable! She made a stressful process run as smoothly as possible.
M
Madison R S
Rome - GA
Posted on April 4, 2024
We enjoyed working with Joy! She had our best interest in mind and took the time to educate myself and my boyfriend on the process.
G
Garry D S
Adairsville - GA
Posted on February 27, 2024
My experience with Banksouth was pleasant and very comfortable
A
Alseny D
Mableton - GA
Posted on February 23, 2024
Working with Joy Brown on our mortgage was an exceptional experience. Her professionalism, expertise, and dedication were evident throughout the entire process. Joy's responsiveness and ability to clearly explain complex aspects of our loan options made the journey smooth and understandable. Her commitment to securing the best possible rate and her guidance on financial planning for our future were invaluable. We highly recommend Joy to anyone looking for a knowledgeable and trustworthy loan officer. Her support was a key factor in making our home buying experience not just successful, but truly great.
S
Sheena M A
Mableton - GA
Posted on February 18, 2024
Joy was a pleasure to work with during my recent home purchase. I chose to work with her over other lenders because she took my call after work hours and followed up as promised. She communicated well and often. I’d work with her again a million times over!
D
Danny E A
ROME - GA
Posted on February 16, 2024
Very responsive to expediting our closing from beginning to end. Joy kept in touch with us on a regulat basis...very personal and professional. The portal was efficient to use. Very pleased with Banksouth.
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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.