Kristy Ragsdale - NMLS #219428 - BankSouth Mortgage

Kristy Ragsdale - NMLS #219428 - BankSouth Mortgage Kristy is a VP, Sr. Loan Officer at BankSouth Mortgage and is dedicated to providing exceptional customer service.

Kristy is an Atlanta native and a licensed mortgage loan originator who specializes in new construction. As a mortgage specialist, Kristy is dedicated to providing the most exceptional customer service available for both seasoned and first-time homebuyers. She has over 20 years of experience in assisting buyers in achieving the American dream of home ownership. Kristy is a gold and platinum recipi

ent member of the Mortgage Bankers Association of Georgia. She is here to assist you with any questions or guidance needed through the lending process.

More homes on the market can be a good thing for buyers, but it doesn't automatically make the decision easier.National ...
06/15/2026

More homes on the market can be a good thing for buyers, but it doesn't automatically make the decision easier.

National housing data shows more inventory than we saw this time last year, while home prices have held fairly steady in many areas. In other words, buyers may have more choices, but they are still being careful with the numbers.

And honestly, that makes sense.

A home has to work beyond the listing price. Buyers are also looking at:
• monthly payment
• taxes and insurance
• upfront costs
• home condition
• location
• overall value

For sellers and agents, that means pricing and presentation still matter.

For buyers, it means preparation still matters.

More options can help, but the right home still needs to make sense for the budget.

This week’s market story is about steadiness and adjustment. Mortgage rates changed very little after inflation data cam...
06/12/2026

This week’s market story is about steadiness and adjustment. Mortgage rates changed very little after inflation data came in close to expectations, while housing data showed buyers are still active when pricing and inventory line up. For buyers, homeowners, and real estate agents, the best move is staying prepared, informed, and ready to talk through the numbers clearly.

One thing that helps transactions go more smoothly for everyone involved?Clear expectations early in the process.The mor...
06/08/2026

One thing that helps transactions go more smoothly for everyone involved?

Clear expectations early in the process.

The more buyers understand:
• monthly payment
• upfront costs
• timelines
• and documentation

…the less stressful things tend to feel once they’re under contract.

Preparation makes a difference.

This week’s market story is about balance. Mortgage rates remain sensitive to economic headlines, inflation is still kee...
06/05/2026

This week’s market story is about balance. Mortgage rates remain sensitive to economic headlines, inflation is still keeping the Fed cautious, and housing activity continues to reflect both affordability challenges and long-term opportunity.

For buyers, homeowners, and referral partners, the best move is preparation: know the numbers, understand the options, and stay ready as conditions shift.

There is nothing more rewarding than helping clients navigate their home-buying journey with confidence and peace of min...
06/03/2026

There is nothing more rewarding than helping clients navigate their home-buying journey with confidence and peace of mind. Thank you so much for these incredibly kind words and for trusting me with such an important milestone. It was truly an honor to work with you and get you to the closing table! 💙🏡

Read the full review below:
"I had a truly wonderful experience with BankSouth Mortgage during my home buying journey. From day one, Kristy Ragsdale was right there guiding me through every step of the process. I knew immediately during our initial consult that she was dedicated and possessed a solid work ethic. She took the time to complete my application over the phone. She could have just as easily sent me to the online portal to complete this task. She was consistently accessible, quick to respond to any concerns or questions, and her communication was always clear and easy to follow. Her reassurance and steady support made all the difference—I always felt confident that she would get me to the closing table smoothly, and she absolutely did. The entire experience was seamless, professional, and far less stressful than I ever expected a home purchase to be. I’m incredibly thankful for the level of care and service I received and feel completely confident that I chose the right lender. BankSouth Mortgage, and especially Kristy Ragsdale, made this milestone a positive and memorable experience."

06/01/2026

National Homeownership Month is a good reminder that “home” means something different to everyone. 🏡

For some people, it’s a backyard for the kids or dogs. For others, it’s finally having a place that feels like theirs. Sometimes it’s just the feeling of walking through the door after a long day and being home.

That’s one of the best parts of helping people through the homebuying process. Everyone’s version of home looks a little different, and that’s what makes it special.

Whether homeownership is part of your plan this year or sometime down the road, we’re always happy to be a resource along the way.

This week’s market story was all about balance: mortgage rates stayed relatively steady, the Fed kept a cautious tone on...
05/29/2026

This week’s market story was all about balance: mortgage rates stayed relatively steady, the Fed kept a cautious tone on inflation, and spring housing activity showed that serious buyers are still moving when the numbers make sense.

If you’re buying, refinancing, or guiding clients through the market, preparation still goes a long way. What are you seeing out there right now?

05/25/2026

Today, we remember and honor those who gave everything.

Memorial Day is a time for reflection, gratitude, and remembrance. Their sacrifice is what makes moments at home with loved ones even more meaningful.

Wishing everyone a safe and reflective Memorial Day.

This week was a reminder that the market can send mixed signals at the same time. Inflation came in hotter, mortgage rat...
05/22/2026

This week was a reminder that the market can send mixed signals at the same time. Inflation came in hotter, mortgage rates moved higher, and home sales still managed a small step forward. For buyers and referral partners, the best move right now is staying informed, prepared, and ready to adjust as the data unfolds. What conversations are you having most right now?

If you’re buying, selling, or helping someone make a move, what are you seeing right now?

05/20/2026

May is National Moving Month… and for many families, that means a fresh start.

You’re not just changing addresses… you’re stepping into your next chapter, and the right plan makes all the difference in how smooth that transition feels.

Thinking about making a move? Let’s talk through your options before the boxes start piling up.

Address

12620 Crabapple Road Bldg. F, Ste. 201
Atlanta, GA
30327

Telephone

+17706524727

Website

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