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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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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.

Ashlee Aloan

Ashlee Aloan

AVP, Production Partner

(706) 834-0029

[email protected]

NMLS: 1003923

What James' Customers Say About Him
"James Gay and his assistant, Ashlee were awesome in my process. This was my first time purchasing a home. They ALWAYS made me feel comfortable in my decisions, replied to me in a timely manner and were very helpful. I have recommended them to several friends thinking about purchasing a home."
Michelle L. / First-Time Homebuyer
What James' Customers Say About Him
"James Gay was fantastic! He took the time to explain everything to us and we felt prepared and confident at closing. I'm actually shocked at how painless buying a house for the first time was!"
Benjamin H. / First-Time Homebuyer
What James' Customers Say About Him
"This is the second time I have worked with James. He is exceptional! I recommend him frequently."
Karen C. / Borrower
What James' Customers Say About Him
"James and his team stayed in contact with me throughout the process from beginning to end. All of the requirements were clearly communicated to me in a timely fashion, and they always replied back to my questions and concerns within a reasonable time frame. Applying for a mortgage can be a nerve-wracking experience. Its the largest purchase most of us will ever make. James and his team went above and beyond to make sure I was comfortable. Thank you!"
Scott G.
What James' Customers Say About Him
"James Gay was especially helpful in answering all my questions quickly and completely. He was professional and friendly and helped me get all my documents together in a timely manner."
Stephanie K. / Borrower
What James' Customers Say About Him
"This is our second time working with James and BankSouth. My husband and I appreciate another seamless and smooth transaction."
Rhonda C.
What James' Customers Say About Him
"Honesty and timeliness separate James from his competitors. His willingness to explain the small details in a courteous manner made for excellent communication! He was transparent throughout the process and closed quicker than expected. I couldn't be more satisfied!"
Patrick B.
What James' Customers Say About Him
"James gets the job done very efficiently. You can count on what he tells you. I have gone to him 2 times and both times I closed inside of 30 days. Very professional in what he does."
William J.
What James' Customers Say About Him
"Never have I purchased a home so easily...James and Ashlee were phenomenal."
Teresa L.
What James' Customers Say About Him
"I have been through the mortgage process a few times in the past. Never has it been so pleasant. You and your staff were always there for any questions I had. In addition , you made the entire transaction extremely smooth and seamless. Thank you for a job well done."
Charles K.
What James' Customers Say About Him
"James and the team made themselves accessible and worked fast to ensure an easy and expedited experience. I compared rates to other lending companies and they met or exceeded in rates and conditions. Great value in home insurance costs when connected with their affiliate insurance company! Overall, highly appreciated and recommend their service."
Robert S.
What James' Customers Say About Him
"I always enjoy working with both James Gay and Ashlee Aloan. They are both great and keep me informed of the progress of things needed on my part to make the transaction smooth."
Bobby S./ Borrower
What James' Customers Say About Him
"Working with James and other team members of BankSouth Mortgage was an absolute delight. This has been the easiest process we have experienced. We thought there would be tons of paperwork and waiting weeks, but it was actually the complete opposite. Easy to follow instructions and results were quick. I credit that to James and others of BankSouth Mortgage. Thanks again for a wonderful experience!!!"
Angel G.
What James' Customers Say About Him
"Very professional; don't think they could have made buying a house any easier. They were awesome!"
John M. / Borrower
What James' Customers Say About Him
"James Gay and everyone I worked with at BankSouth Mortgage were great to work with. They were knowledgeable and responsive to all my questions. This was my 5th mortgage (the 1st by myself) and by far the easiest I’ve gone through. I was able to complete all the paperwork online and they were attentive and very helpful. I would highly recommend Janes Gay and the BankSouth Mortgage team!"
Kimberly S.
What James' Customers Say About Him
"Buying my home with BankSouth was very easy and stress free. I’d recommend them over every other lender."
John Z.
What James' Customers Say About Him
"James Gay is very professional, personal and easy to work with!"
Michael B.
What James' Customers Say About Him
"Ashlee was amazing. She kept us completely informed from start to finish. This was the easiest loan process my wife and I have ever been through. I would recommend this team to anyone. Great customer service and extremely responsive to every question or concern we had. Hands down, THE BEST!"
William K.
What James' Customers Say About Him
"We wouldn't use anyone else! James Gay has helped us several times with financing homes. Not only us, but our kids and friends of the family. We recommend him to everyone we know!"
James S. / Borrower
What James' Customers Say About Him
"They were very professional and pleasant. They knew their job very well and communication was excellent. The whole process was very nice and I was lucky to have Ashlee and Jennifer help me get the house. Thank you very much."
Andrew L.
What James' Customers Say About Him
"Couldn't have asked for a better team to work with on purchasing my home. So thankful to have the buying experience be made so easy and enjoyable!"
Aislinn M.
What James' Customers Say About Him
"James Gay and his team made my homebuying experience easy and stress-free! They were efficient and all-around a great team to work with. Thank you for helping me with purchasing my first home!"
Ashley W. / First-Time Homebuyer
What James' Customers Say About Him
"James' team was great from the start. They provided a professional and courteous experience from the first day we met. With this being my family's first home purchase we are grateful for the ease in which the process was handled."
Andrew K. / First-Time Homebuyer
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Contact James Gay Today

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

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