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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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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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Joy Brown

VP, Senior Mortgage Banker
NMLS ID #: 226259
(770) 827-6746
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Joy Brown has worked in the mortgage industry for 38 years.  She began her career in 1980 as a processor and worked her way up thru processing to underwriting, and has been a loan officer since 2001. This wide range of experience makes her a true mortgage expert.

Joy continues to be a top producer in the industry, closing more than $500 million in loans over the last 17 years.  As a member of the Mortgage Bankers Association of Georgia, she has achieved Gold status multiple years and Platinum status in 2017.  She earned the title of Vice President for BankSouth Mortgage in May of 2018 in recognition of her success.

Joy works with new construction and resale business across the southeast and has extensive knowledge in all types of financing, including Conventional, FHA, VA and numerous down payment programs. Joy aims to be upfront and honest with all of her clients and communicates her knowledge of the loan process in a way that is easily understood. She enjoys spending her time with her family (two grown children, two granddaughters), watching sports and spending time on the lake.

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What Joy's Customers Say About Her
"Joy, Patti, Gretchen and Dan did a phenomenal job assisting me with my mortgage. With this being my first mortgage, they really assisted me through the process and provided great guidance as well as understanding and being patient along the way. I couldn't be happier with the entire team and BankSouth [Mortgage] as a whole. Thank you, Joy and team!!"
Renae S.
Homebuyer
What Joy's Customers Say About Her
"My home buying experience with BankSouth [Mortgage] was PHENOMENAL! I really appreciate the dedication and professionalism shown to me by Laura Brown and her team. Thank you all for MY NEW BEGININGS!"
LaQuisha L.
Homebuyer
What Joy's Customers Say About Her
"The team was always available to me! Even with the silliest of questions/concerns they were patient and kind. The app was user friendly and great. I would recommend everyone use the app. I especially would like to shout out Nic Smith! I don’t think it would have gone as smooth without the guidance of Nic. Thanks, Nic! And thanks, everyone!"
Kelly S.
Homebuyer
What Joy's Customers Say About Her
"Joy was always available when I called. The whole staff was always helpful. Everyone always explained every step and told me what I needed to do to help them process the loan."
Ronald K.
Homebuyer
What Joy's Customers Say About Her
"As a first-time home buyer, I appreciate how knowledgeable & patient Joy was. She really took the time to explain all options that were available for me."
Michael D.
Homebuyer
What Joy's Customers Say About Her
"Thank you for answering my many phone calls and questions repeatedly. Joy Brown and her team believe in educating their clients to ensure that they understand the loan process, and I really appreciated that!"
A.P.
Homebuyer
What Joy's Customers Say About Her
"Ms. Brown did an outstanding job! The team worked diligently to ensure that I provided the information needed to secure the loan."
Alaric C.
Homebuyer
What Joy's Customers Say About Her
"Valerie (Joy) came all the way to Alabama to meet me. She explained the process very well. I felt like I was making an informed decision."
Tashanna G.
Homebuyer
What Joy's Customers Say About Her
"Joy Brown and her team were an absolute pleasure to work with. Joy was always very responsive and available to walk me through the process of what to expect. She helped to make this major life milestone a seamless one."
Stacy F.
Homebuyer
What Joy's Customers Say About Her
"Joy and Vanessa are very competent, patient and thorough. Joy made this process so simple for me regardless of the anxiety I had. I probably called them more times than they expected, but they always made themselves available and answered my questions with no Hesitation. I would highly recommend Joy. Thank you so, so much!"
Yolanda D.
Homebuyer
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Contact Joy Brown Today

Contact Joy to learn more about how she can assist you with your mortgage needs.

Apply Now