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William Sartain - NMLS #2486335 - BankSouth Mortgage

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William Sartain - NMLS #2486335 - BankSouth Mortgage

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Loan Officer
NMLS #2486335 William is a Loan Officer with a wealth of experience in the real estate industry.

He was born and raised in Atlanta, and attended The Lovett School and The University of Georgia, where he lettered in Baseball. After college, he worked in accounting for three years before transitioning to residential real estate. Since 2009, he has worked as a sales agent and associate broker for Dorsey Alston, Realtors, achieving the status of Top Producer Life Member of the Atlanta Association of Realtors.

10/22/2026

Waiting for rates to drop? So is everyone else. 👀

But here’s what you might be overlooking…

Less competition, more room to negotiate, and sellers who may be willing to help with closing costs or even buy down your interest rate.

And who doesn’t love having a little more negotiating power when buying a home?! 😎

Now, I’m not saying buying right now is the right move for everyone. But I also wouldn’t count yourself out just because rates aren’t where we’d all LOVE them to be!

There’s a lot more to buying a home than just the interest rate, and sometimes the numbers might surprise you.

Swipe through for a few things worth considering!

And if you’ve been thinking about buying but aren’t quite sure where to start, give me a call! I’d love to help you explore your options and figure out what makes sense for YOU. 💪

𝐌𝐨𝐫𝐭𝐠𝐚𝐠𝐞 𝐀𝐝𝐯𝐢𝐜𝐞 𝐘𝐨𝐮 𝐂𝐚𝐧 𝐓𝐫𝐮𝐬𝐭.
𝐒𝐮𝐩𝐩𝐨𝐫𝐭 𝐘𝐨𝐮 𝐂𝐚𝐧 𝐂𝐨𝐮𝐧𝐭 𝐎𝐧.
𝐖𝐢𝐥𝐥𝐢𝐚𝐦 𝐒𝐚𝐫𝐭𝐚𝐢𝐧 – 𝐘𝐨𝐮𝐫 𝐓𝐫𝐮𝐬𝐭𝐞𝐝 𝐌𝐨𝐫𝐭𝐠𝐚𝐠𝐞 𝐀𝐝𝐯𝐢𝐬𝐨𝐫.

📲 770.315.0782
📧 [email protected]
🔗 Apply Now: southstatebank.com/williamsartain

10/08/2026

More ways to get home. 🤝

Sometimes the biggest hurdle isn’t finding the home — it’s finding a financing option that actually works for how you need to buy it.

Traditional options like down payment assistance programs and VA loans can be great tools for the right borrower, but they aren’t the only paths to 100% financing.

SouthState’s Buyer Advantage® Portfolio Loan Program gives eligible borrowers another option:

🏡 Up to 100% financing available

🏡 The traditional financing options you’d expect, plus portfolio solutions

🏡 More flexibility to meet different borrower needs

Because financing shouldn’t necessarily be one-size-fits-all.

Different buyers. Different circumstances. Different ways to get home. 🙌

And that wraps up this series — four examples of why knowing all of your options can make a pretty meaningful difference.

Have questions about which financing path could make sense for you? I’m always happy to talk through it with you.

𝐌𝐨𝐫𝐭𝐠𝐚𝐠𝐞 𝐀𝐝𝐯𝐢𝐜𝐞 𝐘𝐨𝐮 𝐂𝐚𝐧 𝐓𝐫𝐮𝐬𝐭.
𝐒𝐮𝐩𝐩𝐨𝐫𝐭 𝐘𝐨𝐮 𝐂𝐚𝐧 𝐂𝐨𝐮𝐧𝐭 𝐎𝐧.
𝐖𝐢𝐥𝐥𝐢𝐚𝐦 𝐒𝐚𝐫𝐭𝐚𝐢𝐧 – 𝐘𝐨𝐮𝐫 𝐓𝐫𝐮𝐬𝐭𝐞𝐝 𝐌𝐨𝐫𝐭𝐠𝐚𝐠𝐞 𝐀𝐝𝐯𝐢𝐬𝐨𝐫.

📲 770.315.0782
📧 [email protected]
🔗 Apply Now: southstatebank.com/williamsartain

10/02/2026

Let’s say you’re under contract and the seller gives you a $4,750 seller credit. 👀

Okay… now what are you doing with it?

Because the same $4,750 can do very different things depending on what matters most to you right now.

🤔 Less cash out of pocket at closing?
🤔 A little more breathing room in year one?
🤔 Or smaller monthly savings that stick around long-term?

There’s no one-size-fits-all answer here—and that’s kind of the point.

Swipe through, pick your A, B or C, and then let’s run the numbers to see what actually makes sense for you.

𝐌𝐨𝐫𝐭𝐠𝐚𝐠𝐞 𝐀𝐝𝐯𝐢𝐜𝐞 𝐘𝐨𝐮 𝐂𝐚𝐧 𝐓𝐫𝐮𝐬𝐭.
𝐒𝐮𝐩𝐩𝐨𝐫𝐭 𝐘𝐨𝐮 𝐂𝐚𝐧 𝐂𝐨𝐮𝐧𝐭 𝐎𝐧.
𝐖𝐢𝐥𝐥𝐢𝐚𝐦 𝐒𝐚𝐫𝐭𝐚𝐢𝐧 – 𝐘𝐨𝐮𝐫 𝐓𝐫𝐮𝐬𝐭𝐞𝐝 𝐌𝐨𝐫𝐭𝐠𝐚𝐠𝐞 𝐀𝐝𝐯𝐢𝐬𝐨𝐫.

📲 770.315.0782
📧 [email protected]
🔗 Apply Now: southstatebank.com/williamsartain

09/30/2026

When your assets tell a bigger story than your income on paper. 👀

Traditional mortgage qualifying tends to focus heavily on income. But for some borrowers, that doesn’t exactly show the full financial picture.

Maybe you’re retired.

Maybe you’ve spent years building substantial liquid assets.

Maybe your wealth is sitting in investments rather than showing up as a traditional paycheck every two weeks.

That’s where SouthState’s Portfolio Prime Liquidity can open another door.

💰 Eligible liquid assets can be used to help qualify

💰 No traditional debt-to-income ratio

💰 Available for purchase, refinance + cash-out options

💰 Primary and secondary residences may be eligible

You built the wealth — so having a loan option that actually knows how to look at it can make a pretty meaningful difference.

Because sometimes the issue isn’t whether you have the financial strength to buy the home. It’s whether the loan knows how to recognize it.

Chapter 3 down. More possibilities ahead. 😉

𝐌𝐨𝐫𝐭𝐠𝐚𝐠𝐞 𝐀𝐝𝐯𝐢𝐜𝐞 𝐘𝐨𝐮 𝐂𝐚𝐧 𝐓𝐫𝐮𝐬𝐭.
𝐒𝐮𝐩𝐩𝐨𝐫𝐭 𝐘𝐨𝐮 𝐂𝐚𝐧 𝐂𝐨𝐮𝐧𝐭 𝐎𝐧.
𝐖𝐢𝐥𝐥𝐢𝐚𝐦 𝐒𝐚𝐫𝐭𝐚𝐢𝐧 – 𝐘𝐨𝐮𝐫 𝐓𝐫𝐮𝐬𝐭𝐞𝐝 𝐌𝐨𝐫𝐭𝐠𝐚𝐠𝐞 𝐀𝐝𝐯𝐢𝐬𝐨𝐫.

📲 770.315.0782
📧 [email protected]
🔗 Apply Now: southstatebank.com/williamsartain

09/25/2026

You may have heard that appraisals are changing this November…

But before anyone starts panicking over “new appraisal rules,” here’s the part that actually matters. 👀🏡

The way an appraiser determines a home’s value isn’t changing.

✔️ Comparable sales still matter.
✔️ Market conditions still matter.
✔️ And the appraiser is still independently developing and supporting their opinion of value.

What IS changing is how all of that information is collected, documented and reported — with a new appraisal format, more standardized property data and updated technology behind the scenes.

So, new forms? Yes.
A whole new way of determining what a home is worth? Nope.

For my Realtor friends, though, this does make accurate property details and good documentation even more important — especially things like square footage, renovations, finished basements, ADUs and anything that may not match public records.

🗓️ November 2nd is the date to know. 🗓️

And as always, if you have questions about what these changes could mean for you or your clients, I’m just a call or email away. 🙋‍♂️

𝐌𝐨𝐫𝐭𝐠𝐚𝐠𝐞 𝐀𝐝𝐯𝐢𝐜𝐞 𝐘𝐨𝐮 𝐂𝐚𝐧 𝐓𝐫𝐮𝐬𝐭.
𝐒𝐮𝐩𝐩𝐨𝐫𝐭 𝐘𝐨𝐮 𝐂𝐚𝐧 𝐂𝐨𝐮𝐧𝐭 𝐎𝐧.
𝐖𝐢𝐥𝐥𝐢𝐚𝐦 𝐒𝐚𝐫𝐭𝐚𝐢𝐧 – 𝐘𝐨𝐮𝐫 𝐓𝐫𝐮𝐬𝐭𝐞𝐝 𝐌𝐨𝐫𝐭𝐠𝐚𝐠𝐞 𝐀𝐝𝐯𝐢𝐬𝐨𝐫.

📲 770.315.0782
📧 [email protected]
🔗 Apply Now: southstatebank.com/williamsartain

09/24/2026

A lot of work goes into making a mortgage feel like not a lot of work. 😉

That’s probably one of the best compliments I can get from a client—especially when we’re working with a tight timeline.

There are plenty of moving pieces behind the scenes, but my goal is to keep them moving without making the process feel like a second job for you.

Really appreciate the kind words, Thomas. And very glad we got this one across the finish line right on time. 🙌

𝐌𝐨𝐫𝐭𝐠𝐚𝐠𝐞 𝐀𝐝𝐯𝐢𝐜𝐞 𝐘𝐨𝐮 𝐂𝐚𝐧 𝐓𝐫𝐮𝐬𝐭.
𝐒𝐮𝐩𝐩𝐨𝐫𝐭 𝐘𝐨𝐮 𝐂𝐚𝐧 𝐂𝐨𝐮𝐧𝐭 𝐎𝐧.
𝐖𝐢𝐥𝐥𝐢𝐚𝐦 𝐒𝐚𝐫𝐭𝐚𝐢𝐧 – 𝐘𝐨𝐮𝐫 𝐓𝐫𝐮𝐬𝐭𝐞𝐝 𝐌𝐨𝐫𝐭𝐠𝐚𝐠𝐞 𝐀𝐝𝐯𝐢𝐬𝐨𝐫.

📲 770.315.0782
📧 [email protected]
🔗 Apply Now: southstatebank.com/williamsartain

09/22/2026

You can spend years building a career in medicine… and still run into a mortgage process that doesn’t quite account for what that career actually looks like. 👨‍⚕️👩‍⚕️

That’s where Chapter 2 of our series comes in: the Portfolio Physician Loan.

Designed specifically for eligible medical professionals, including MDs, DOs, dentists and veterinarians, this program offers a different path to home financing — and even physicians currently in residency may be eligible.

One of the biggest differences? The upfront numbers. 👀

🩺 Up to 100% financing on eligible primary-residence loans up to $2 million 🩺 No private mortgage insurance (PMI) 🩺 Financing options for primary and secondary residences 🩺 Loan amounts up to $3 million, depending on LTV and qualifications

That combination can make a pretty meaningful difference — especially when you consider that putting less than 20% down would typically mean paying PMI.

And that’s really the point of these portfolio programs.

Different financial situations call for different financing options — and sometimes there’s an option available that you simply didn’t know existed.

If you’re a physician, dentist or veterinarian — or you’re working with one who’s planning a move — the Portfolio Physician Loan may be worth knowing about.

Chapter 2 down. 🤝

Next up, we’re getting into Portfolio Liquidity Prime and how eligible assets can play a different role in financing your home.

Have questions about the Physician Loan or whether it could fit your situation? Let’s take a look. 🙋‍♂️

𝐌𝐨𝐫𝐭𝐠𝐚𝐠𝐞 𝐀𝐝𝐯𝐢𝐜𝐞 𝐘𝐨𝐮 𝐂𝐚𝐧 𝐓𝐫𝐮𝐬𝐭.
𝐒𝐮𝐩𝐩𝐨𝐫𝐭 𝐘𝐨𝐮 𝐂𝐚𝐧 𝐂𝐨𝐮𝐧𝐭 𝐎𝐧.
𝐖𝐢𝐥𝐥𝐢𝐚𝐦 𝐒𝐚𝐫𝐭𝐚𝐢𝐧 – 𝐘𝐨𝐮𝐫 𝐓𝐫𝐮𝐬𝐭𝐞𝐝 𝐌𝐨𝐫𝐭𝐠𝐚𝐠𝐞 𝐀𝐝𝐯𝐢𝐬𝐨𝐫.

📲 770.315.0782
📧 [email protected]
🔗 Apply Now: southstatebank.com/williamsartain

09/09/2026

Mortgage insurance can feel like just another line item in a monthly payment… but that extra cost matters. 👀

With many traditional loan options, financing more than 80% of a home’s value means mortgage insurance gets added to the equation.

And that can mean:

🏡 A higher monthly payment 🏡 More money going toward mortgage insurance 🏡 Less of that payment going toward building equity in your home

But with SouthState’s Portfolio Prime, eligible borrowers may be able to finance up to 90% of the home’s value with no mortgage insurance.¹

Same idea of putting less than 20% down — very different outcome.

Because without MI added to the payment, you may be able to keep that monthly cost lower while putting more of your payment toward the home itself.

Keep more. Build equity faster. 🙌

And that’s exactly what this series is about: showing you where the “traditional” way isn’t necessarily the only way.

Chapter 1 down. More options coming next. 😉

𝐌𝐨𝐫𝐭𝐠𝐚𝐠𝐞 𝐀𝐝𝐯𝐢𝐜𝐞 𝐘𝐨𝐮 𝐂𝐚𝐧 𝐓𝐫𝐮𝐬𝐭.
𝐒𝐮𝐩𝐩𝐨𝐫𝐭 𝐘𝐨𝐮 𝐂𝐚𝐧 𝐂𝐨𝐮𝐧𝐭 𝐎𝐧.
𝐖𝐢𝐥𝐥𝐢𝐚𝐦 𝐒𝐚𝐫𝐭𝐚𝐢𝐧 – 𝐘𝐨𝐮𝐫 𝐓𝐫𝐮𝐬𝐭𝐞𝐝 𝐌𝐨𝐫𝐭𝐠𝐚𝐠𝐞 𝐀𝐝𝐯𝐢𝐬𝐨𝐫.

📲 770.315.0782
📧 [email protected]
🔗 Apply Now: southstatebank.com/williamsartain

Disclosures: All loans are subject to credit approval and program guidelines. SouthState Bank, N.A., NMLS ID #403455, Member FDIC. Program availability subject to change without notice. Portfolio Loans | SouthState Mortgage

09/08/2026

The One Where the One That Got Away… Came Back 🤞

A few missed homes, a little patience, and one very well-timed second chance.

These buyers had a few near-misses along the way—including THIS house, which went under contract with another buyer.

So, we waited.

And sure enough, the home came back around, they got their second chance, and this time it was theirs. 👏

Such a great transaction with great buyers, and a pretty solid reminder that sometimes a missed opportunity isn’t actually a missed opportunity—it just needs a minute.

Big thanks to the agent who helped make the second time around the right one: 🙌 Hannah Hester, Realtor®️ with Ansley Real Estate Christie's International

Congratulations to my buyers, your patience paid off! 🔑

𝐌𝐨𝐫𝐭𝐠𝐚𝐠𝐞 𝐀𝐝𝐯𝐢𝐜𝐞 𝐘𝐨𝐮 𝐂𝐚𝐧 𝐓𝐫𝐮𝐬𝐭.
𝐒𝐮𝐩𝐩𝐨𝐫𝐭 𝐘𝐨𝐮 𝐂𝐚𝐧 𝐂𝐨𝐮𝐧𝐭 𝐎𝐧.
𝐖𝐢𝐥𝐥𝐢𝐚𝐦 𝐒𝐚𝐫𝐭𝐚𝐢𝐧 – 𝐘𝐨𝐮𝐫 𝐓𝐫𝐮𝐬𝐭𝐞𝐝 𝐌𝐨𝐫𝐭𝐠𝐚𝐠𝐞 𝐀𝐝𝐯𝐢𝐬𝐨𝐫.

📲 770.315.0782
📧 [email protected]
🔗 Apply Now: southstatebank.com/williamsartain

SouthState Bank

Address

3475 Piedmont Road
Atlanta, GA
30305

Telephone

+14048406960

Website

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