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Personal Banking

Personal Banking

At BankSouth, we value the trust you place in us to safeguard your cash 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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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.

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Blog

The Cost of Waiting to Buy a Home

Waiting to Buy Can Decrease Your Purchase Power In this uncertain real estate market, many buyers may be playing the waiting game when it comes to purchasing a home. There are advantages and disadvantages to this strategy. Waiting could mean...
Mortgage Speak

Home Buying Mistakes to Avoid

If you're thinking about buying a new home soon, you've taken the first step to homeownership! Are you excited? You should be! Homeownership is an exciting journey. After all, the home you'll be in will be YOUR home, not your...
Mortgage Speak

Why You Should Refinance During the COVID-19 Pandemic

The Mortgage Bankers Association recently reported that home refinances are up 210% from last year's levels. Interest rates have a lot to do with that. After all, when rates drop, monthly housing payments can also decrease, potentially saving homeowners thousands...
Mortgage Speak

How to Manage Financial Hardship During COVID-19

The COVID-19 pandemic that has spread across the world has brought with it, not only concerns for our physical health, but also our financial health. According to the Labor Department, 1 in 5 Americans has lost a job or seen...
Mortgage Speak

Keeping Real Estate Closings Safe During Covid-19 Pandemic

How Real Estate Attorneys are Making Closings Safe for Everyone During the COVID-19 (Coronavirus) pandemic in Georgia, the real estate and mortgage industries have made rapid changes in order to keep the market going during a difficult time. To keep our...
Mortgage Speak

April is National Fair Housing Month

Why is April National Fair Housing Month? Beginning in April of 1968, National Fair Housing Month has been observed during the month of April. The Fair Housing Act gives all citizens of the United States equal rights to the sale,...
Mortgage Speak

What is Homestead Exemption?

How to Lower Property Taxes with Homestead Exemption If you have recently closed on a home in the past calendar year, you are able to take advantage of a homestead exemption. A homestead exemption exempts a portion or a flat...
Mortgage Speak

Tips for Quick and Easy Home Improvements

We have all seen the home improvement TV shows where the bathroom or kitchen gets an easy update in an hour or less, but when we try to do that in our own home, somehow a whole weekend goes by...
Mortgage Speak

Mortgage Refinancing Checklist: Your Ultimate Resource

Sometimes you need something when you don't, and other times you think you don't need something when you do. That's why we made this list of documents that you may need in order to refinance your mortgage. Every refinance deal...
Mortgage Speak

Mortgage Refinancing Checklist: Your Ultimate Resource

Sometimes you need something when you don't, and other times you think you don't need something when you do. That's why we made this list of documents that you may need in order to refinance your mortgage. Every refinance deal...
Mortgage Speak

Why You Should Consider Refinancing Your Mortgage

Get a Lower Rate, Take Cash Out of Equity, or Get Rid of PMI When you refinance a loan, you essentially replace the current loan with a new loan. There are a variety of reasons to go through this process,...
Mortgage Speak

Secrets to Budgeting for Your First or Next Home Purchase

Gain a better plan rather than living paycheck-to-paycheck with your next mortgage Homeownership is a goal that most of us have. In order to make this dream come true, future homebuyers need to do some financial planning and budget their...
Mortgage Speak

What is a renovation loan?

A renovation loan is a type of loan that borrowers can use to make renovations to their current or future home. It could mean turning a fixer-upper into the home of your dreams. Renovation loans can be taken out at...
Mortgage Speak

2020 Mortgage Industry Trends and Predictions in Georgia

What industry experts are predicting for Georgia mortgages in 2020 I think it's safe to say that 2019 has been a historical year when speaking about the mortgage and real estate markets. Several Georgia markets saw record-low interest rates on...
Mortgage Speak

How to Deduct Mortgage Interest and Property Taxes from Your Income Taxes

Documents you need and what to do with them to file your taxes after you purchase a home Purchasing a home affects many areas of your life. From your commute to work, where your kids go to school, to where...
Mortgage Speak

Do’s and Don’ts During the Mortgage Loan Process at Christmas

Don't Make These Mistakes During the Holidays or You'll Jeopardize Your Mortgage Loan! Your holiday to-do list is long enough without adding buying a house on top of everything else. There is decorating, shopping, wrapping, and multiple gatherings to attend....
Mortgage Speak

Step-by-step VA Loan Process and Highlights

Are you active or retired military, or even a military spouse? Good news! You may qualify for a VA loan! A VA loan is a type of loan that is guaranteed by the U.S. government to help active or retired...
Mortgage Speak

5 VA Loan Questions Answered

November is National Military Family month, and it also includes Veterans Day on Monday, November 11. One of the many benefits the US Government provides to past and present members of our armed forces, and qualifying surviving spouses, is backing...
Mortgage Speak

What’s In Store for the Housing Market in 2018

We've just gotten started with 2018, but there's been speculation about which way the housing market will go since well before the first of the year. As a savvy homeowner, it's important for you to be aware of fluctuations in...
Mortgage Speak

How Buying a Home in Winter Can Save You Money

Waiting to buy a home until spring or summer seems like the obvious choice for most families. The weather is warmer, kids get to finish out the school year, and there's (usually) an abundance of homes on the market to...
Mortgage Speak

The Path to Financial Freedom: How Homeownership Helps Build Wealth

How Homeownership Builds Wealth The 4th of July is more than just a day for celebrating the freedom we gained as a nation nearly 250 years ago. It's a day for celebrating the individual freedom and opportunity afforded to each...
Mortgage Speak

BankSouth Mortgage: Interest Rate Updates

BankSouth Mortgage: Interest Rate Updates Many of you are likely aware of the recent rise in interest rates and may be wondering what's next and what this means for the 2017 housing market.  While only predictions can be made, here...
Mortgage Speak

Thinking about buying a home in the new year?

If buying a home is on your list of New Year's resolutions, now is the perfect time to start planning. The more you can prepare for a home purchase, the better off you will be. Here are some top tips to start...
Mortgage Speak