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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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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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James Gay

VP, Market Production Manager
NMLS ID #: 412223
(803) 215-2412
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James Gay is a top producing loan officer in the Central Savannah River Area (CSRA) and is also one of the top producers in the State of Georgia with over 16 years of mortgage industry experience.  James works with clients all over the CSRA and is proud to support its residents and community with VA, FHA, Conventional, Construction and renovation loan experience.

A Mortgage Banker Association of Georgia (MBAG) Award Winner since 2008 and named a “Top 10 Producing Loan Officer” in 2014 and 2017, James won MBAG’s President’s Award from 2010-2016. James and his locally based team offer a personalized mortgage experience with their commitment to providing each borrower the best possible home financing options.

Born and raised in North Augusta, James and his family make North Augusta their home and love spending time in the community. “My goal for our clients is setting and exceeding expectations. I want the clients to walk away with that ‘WOW’ factor”, says James.

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Ashlee Aloan

AVP, Production Partner (NMLS #1003923)

(706) 834-0029 • [email protected]

Meet the Augusta Team

Vidyard Video
What James's Customers Say About Him
"We worked with James when we purchased our home and then again several years later to refinance. His team definitely deserves 5 stars! The whole process was quick, easy, and painless!"
Christine E.
Homebuyer
What James's Customers Say About Him
"This was my second time using James Gay and his team and I will use the same one word that I have used before, "outstanding." As soon as I inquired about Refi, James responded immediately. From start to finish this process was so easy. James and Stefanie were both very professional and has completely exceeded my expectations. Thank you!"
Pamela M.
Homebuyer
What James's Customers Say About Him
"Second time I have gotten a loan from James, been an awesome experience both times. Always straight and honest when talking numbers."
Serhat S.
Homebuyer
What James's Customers Say About Him
"As a first-time homebuyer, James and his team were great to work with. They are extremely knowledgeable on the VA loan. They helped me through each step and kept me updated on the process the whole time. What I thought was a complex and painful process to buy my first home was surprisingly easy due in large part to James and his team."
John W.
Homebuyer
What James's Customers Say About Him
"From start to finish everything was smooth. All questions where answered extremely fast. I felt more like I was dealing with a friend and not doing a business transaction. I was told by many people that buying a home is one of the most stressful things I will ever do, but there was zero stress for me and I thank your team."
Counts E.
Homebuyer
What James's Customers Say About Him
"Offered the lowest rates, and a very personable experience. Did not have to go through a complicated phone menu and never experienced extended hold times to get assistance. The online portal was very intuitive to use."
Robert E.
Homebuyer
What James's Customers Say About Him
"Customer service was excellent. From start to finish communication was always done in a timely manner. Their system did an excellent job of keeping you updated on a regular basis regarding your loan process. I definitely will refer friends, family and any future clients that I have that are in need of an excellent lender. Give James Gay, along with his team, Ashlee and Jennifer, a call you won’t be disappointed. I will just sum it up in two words. Awesome experience."
Thomas L.
Homebuyer
What James's Customers Say About Him
"The entire process was easy and smooth. The portal to upload documents securely was easy to use. James and his team communicated their needs throughout the process and made for a smooth loan approval."
Roger J.
Homebuyer
What James's Customers Say About Him
"Very smooth and easy process. We have used James Gay for 2 mortgages and 1 refinance. Each time, we couldn’t have been more pleased. Our refinance was an extremely fast process. I have recommended James to all my family and friends."
Deborah J.
Homebuyer
What James's Customers Say About Him
"James has been my loan officer on several purchases and I highly recommend him. He has a "make it happen" mentality and is a pleasure to work with. BankSouth Mortgage's online portal made the process simple by allowing me to e-sign documents and upload them directly without ever leaving my house. His closing team were very communicative and kept me posted along the way. I am very pleased with their closing process from start to finish!"
Jeremy D.
Homebuyer
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Contact James Gay Today

Contact James to learn more about how he can assist you with your mortgage needs.

Apply Now