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Jessica Jakulski Bernstein - NMLS #239178

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Jessica Jakulski Bernstein - NMLS #239178

Jessica Jakulski Bernstein
VP, Sr. Loan Officer [NMLS 239178] Her consistent communication and diligence lay the foundation for a phenomenal customer experience.

Jessica has been in the mortgage industry for 14 years and has been a Mortgage Bankers Association of Georgia winner for the past several years. Jessica is known for her quick response times and easy-going demeanor. She strives to put each buyer in a loan that fits not just their current situation, but one that will best suit their future needs as well. She especially enjoys working with first-tim

e home buyers; teaching them about mortgages and making sure they feel comfortable during each step. She aspires to make the process as minimally stressful as possible and provides individualized support to her clients as needed.

08/25/2026

Buying the land and then building the home on it? That’s a whole different financing conversation. 👀

Welcome to Chapter 4: Portfolio Construction + Lot Financing.

This one is all about what happens when your plans start with a piece of land — or a set of blueprints — instead of a For Sale sign.

SouthState Bank’s Portfolio Construction + Lot Financing gives you options for both sides of that plan.

Maybe you’ve found the perfect lot but you’re not quite ready to build yet.

Or maybe the plans are drawn, the builder is ready, and it’s time to turn that empty lot into HOME.

Here’s where the financing comes in:
🏡 Lot loans available up to $1.5 million 🏡 Buy the land now and build when you’re ready 🏡 Construction financing up to 90% of the home’s value, depending on qualifications 🏡 One application + one closing for construction 🏡 And after the construction period, the loan converts to permanent financing

There are even options for major renovations, additions and rebuilds — because “building your home” doesn’t always mean starting from an empty lot.

The big picture?

You don’t necessarily have to find a house that checks every box.

Sometimes you find the land. Make the plan. And build the one that does.

Next up, we’re stepping outside traditional mortgages again and getting into Bridge Loans, HELOCs + other relationship banking solutions. 👀

Thinking about buying land, building or taking on a major renovation? Let’s figure out what financing the plan could look like. 🙋‍♀️

𝐇𝐞𝐥𝐩𝐢𝐧𝐠 𝐲𝐨𝐮 𝐟𝐢𝐧𝐝 𝐲𝐨𝐮𝐫 𝐰𝐚𝐲 𝐡𝐨𝐦𝐞 𝐰𝐢𝐭𝐡 𝐜𝐥𝐚𝐫𝐢𝐭𝐲 𝐚𝐧𝐝 𝐬𝐮𝐩𝐩𝐨𝐫𝐭, 𝐉𝐞𝐬𝐬𝐢𝐜𝐚 𝐁𝐞𝐫𝐧𝐬𝐭𝐞𝐢𝐧 — 𝐘𝐨𝐮𝐫 𝐓𝐫𝐮𝐬𝐭𝐞𝐝 𝐋𝐞𝐧𝐝𝐢𝐧𝐠 𝐏𝐚𝐫𝐭𝐧𝐞𝐫.

📲 770.815.8634
📧 [email protected]
🔗 Apply Now: southstatebank.com/jessicabernstein

08/21/2026

What if qualifying for a mortgage had less to do with what comes in every month… and more to do with what you’ve already built? 👀

That’s where Chapter 3 comes in: Portfolio Liquidity Prime.

This one is built for borrowers with significant liquid assets whose financial picture may not translate neatly into a traditional debt-to-income calculation.

Instead of qualifying based on a traditional DTI ratio, Portfolio Liquidity Prime allows eligible borrowers to qualify using verified liquid assets — things like checking and savings accounts, stocks, bonds, mutual funds and eligible retirement accounts.

In other words: the financial strength is there. This program just gives us another way to look at it.

A few things to know:
💸 7/1 adjustable-rate mortgage 💸 Purchase, refinance and cash-out refinance options 💸 Available for primary and secondary residences 💸 Minimum credit scores can start at 680, depending on loan amount and LTV 💸 Designed to support larger loan amounts and more complex financial structures

For retirees, investors and high-net-worth borrowers especially, that can open up a very different conversation around qualifying.

Because income isn’t always the only way to tell someone’s financial story — and sometimes the assets you’ve spent years building deserve a seat at the table, too.

Next up: we’re moving from buying the home to building it — with Portfolio Prime Construction + Lot Financing. 🏡🔨

Think your assets might open up another path to financing? Let’s see what your options look like. 🙋‍♀️

𝐇𝐞𝐥𝐩𝐢𝐧𝐠 𝐲𝐨𝐮 𝐟𝐢𝐧𝐝 𝐲𝐨𝐮𝐫 𝐰𝐚𝐲 𝐡𝐨𝐦𝐞 𝐰𝐢𝐭𝐡 𝐜𝐥𝐚𝐫𝐢𝐭𝐲 𝐚𝐧𝐝 𝐬𝐮𝐩𝐩𝐨𝐫𝐭, 𝐉𝐞𝐬𝐬𝐢𝐜𝐚 𝐁𝐞𝐫𝐧𝐬𝐭𝐞𝐢𝐧 — 𝐘𝐨𝐮𝐫 𝐓𝐫𝐮𝐬𝐭𝐞𝐝 𝐋𝐞𝐧𝐝𝐢𝐧𝐠 𝐏𝐚𝐫𝐭𝐧𝐞𝐫.

📲 770.815.8634
📧 [email protected]
🔗 Apply Now: southstatebank.com/jessicabernstein

08/18/2026

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. 🙋‍♀️

𝐇𝐞𝐥𝐩𝐢𝐧𝐠 𝐲𝐨𝐮 𝐟𝐢𝐧𝐝 𝐲𝐨𝐮𝐫 𝐰𝐚𝐲 𝐡𝐨𝐦𝐞 𝐰𝐢𝐭𝐡 𝐜𝐥𝐚𝐫𝐢𝐭𝐲 𝐚𝐧𝐝 𝐬𝐮𝐩𝐩𝐨𝐫𝐭, 𝐉𝐞𝐬𝐬𝐢𝐜𝐚 𝐁𝐞𝐫𝐧𝐬𝐭𝐞𝐢𝐧 — 𝐘𝐨𝐮𝐫 𝐓𝐫𝐮𝐬𝐭𝐞𝐝 𝐋𝐞𝐧𝐝𝐢𝐧𝐠 𝐏𝐚𝐫𝐭𝐧𝐞𝐫.

📲 770.815.8634
📧 [email protected]
🔗 Apply Now: southstatebank.com/jessicabernstein

08/13/2026

You can have a strong financial picture… and still not look quite as straightforward on paper as a traditional mortgage wants you to. 👀

That’s exactly why I wanted to start this series with Portfolio Prime.

For some borrowers, income alone doesn’t tell the whole story.

🤔 Maybe you’ve built substantial assets over the years.
🤔 Maybe you’re retired.
🤔 Maybe a large portion of your wealth is invested rather than coming through a traditional paycheck.

Portfolio Prime gives eligible borrowers another way to look at the bigger financial picture by allowing qualifying assets to be considered as part of the qualification process.

And there’s quite a bit of flexibility built into the program:

💸 Financing options up to $10 million, depending on LTV and borrower qualifications 💸 A 7/1 adjustable-rate structure 💸 Cash-out refinance options 💸 And different loan-to-value and credit requirements depending on the loan amount

Basically, it’s another reminder that qualifying for a mortgage doesn’t always have to fit neatly inside the traditional box.

If you have the assets but your income on paper doesn’t quite tell the full story, this may be an option worth knowing about.

And this is only Chapter 1. 😉

We’ll be breaking down even more of the financing options available through SouthState Bank throughout this series.

Have questions about Portfolio Prime or whether it could fit your situation? I’m always happy to talk through it with you. 🙋‍♀️

𝐇𝐞𝐥𝐩𝐢𝐧𝐠 𝐲𝐨𝐮 𝐟𝐢𝐧𝐝 𝐲𝐨𝐮𝐫 𝐰𝐚𝐲 𝐡𝐨𝐦𝐞 𝐰𝐢𝐭𝐡 𝐜𝐥𝐚𝐫𝐢𝐭𝐲 𝐚𝐧𝐝 𝐬𝐮𝐩𝐩𝐨𝐫𝐭, 𝐉𝐞𝐬𝐬𝐢𝐜𝐚 𝐁𝐞𝐫𝐧𝐬𝐭𝐞𝐢𝐧 — 𝐘𝐨𝐮𝐫 𝐓𝐫𝐮𝐬𝐭𝐞𝐝 𝐋𝐞𝐧𝐝𝐢𝐧𝐠 𝐏𝐚𝐫𝐭𝐧𝐞𝐫.

📲 770.815.8634
📧 [email protected]
🔗 Apply Now: southstatebank.com/jessicabernstein

08/11/2026

The One Where They Traded the Condo for a Little More Character ✨

And by “a little,” I mean original heart pine floors, stained glass, soaring ceilings, clawfoot-tub-level character. 🤝

My clients were ready to make the jump from condo living to a house—and then they found this one.

The kind of home that feels like it already has a hundred stories tucked into its walls… and now they get to add theirs.

It has all the historic charm they fell in love with, plus the space that made moving out of the condo and into their next chapter feel very worth it.

I’m so happy for these buyers and the home they get to call theirs. 🥹

And a big thank you to The Perry Dyott Team with HOME and Emily Sanders Emily Sanders - Atlanta Intown with Atlanta Intown Real Estate for helping bring this one home! 🙌

𝐇𝐞𝐥𝐩𝐢𝐧𝐠 𝐲𝐨𝐮 𝐟𝐢𝐧𝐝 𝐲𝐨𝐮𝐫 𝐰𝐚𝐲 𝐡𝐨𝐦𝐞 𝐰𝐢𝐭𝐡 𝐜𝐥𝐚𝐫𝐢𝐭𝐲 𝐚𝐧𝐝 𝐬𝐮𝐩𝐩𝐨𝐫𝐭, 𝐉𝐞𝐬𝐬𝐢𝐜𝐚 𝐁𝐞𝐫𝐧𝐬𝐭𝐞𝐢𝐧 — 𝐘𝐨𝐮𝐫 𝐓𝐫𝐮𝐬𝐭𝐞𝐝 𝐋𝐞𝐧𝐝𝐢𝐧𝐠 𝐏𝐚𝐫𝐭𝐧𝐞𝐫.

📲 770.815.8634
📧 [email protected]
🔗 Apply Now: southstatebank.com/jessicabernstein

08/10/2026

You’ve probably heard the phrase “in-house financing” before… but what does that actually mean for you? 👀

That’s exactly what we’re getting into with this new series.

SouthState Bank offers portfolio loans — meaning certain loans are kept and serviced in-house rather than being sold to a third-party investor.

And because they aren’t being built around those outside investor guidelines, there can be more flexibility in how a financing solution is structured.

Translation? More ways to look at the full financial picture — especially when a traditional mortgage doesn’t quite fit.

Over the next few chapters, we’re breaking down some of the options available through SouthState, including:

👉 Portfolio Prime — in-house financing designed to offer additional flexibility for qualified borrowers.

👉 Portfolio Prime Physician — financing built specifically with the unique financial picture of physicians in mind.

👉 Portfolio Prime Liquidity — another way to think about qualifying when your financial strength may not fit neatly into the traditional lending box.

👉 Construction + Lot Financing — options for when the plan isn’t simply “buy the house,” but build it, starting with the land and carrying through construction.

👉 Beyond Traditional Mortgages — because sometimes the right strategy involves more than the mortgage itself.

We’ll get into bridge loans, HELOCs and other relationship banking solutions that can help support the bigger financial picture.

And that’s really the point of this series.

Not every borrower looks the same on paper. Not every home purchase follows the same path. And not every financing strategy needs to fit inside the same box.

Consider this the table of contents. 🫡📖

Stay tuned. 👀

𝐇𝐞𝐥𝐩𝐢𝐧𝐠 𝐲𝐨𝐮 𝐟𝐢𝐧𝐝 𝐲𝐨𝐮𝐫 𝐰𝐚𝐲 𝐡𝐨𝐦𝐞 𝐰𝐢𝐭𝐡 𝐜𝐥𝐚𝐫𝐢𝐭𝐲 𝐚𝐧𝐝 𝐬𝐮𝐩𝐩𝐨𝐫𝐭, 𝐉𝐞𝐬𝐬𝐢𝐜𝐚 𝐁𝐞𝐫𝐧𝐬𝐭𝐞𝐢𝐧 — 𝐘𝐨𝐮𝐫 𝐓𝐫𝐮𝐬𝐭𝐞𝐝 𝐋𝐞𝐧𝐝𝐢𝐧𝐠 𝐏𝐚𝐫𝐭𝐧𝐞𝐫.

📲 770.815.8634
📧 [email protected]
🔗 Apply Now: southstatebank.com/jessicabernstein

08/07/2026

Happy 1st birthday to sweet Sadie! Her birthday was on 8/2 but in the midst of changing jobs, etc I’m just now getting to this post. Sadie came to us right after Scout passed and she has been nothing but a comfort to me. She sleeps right next to me every night, she loves playing with Samantha and tormenting Wallace. I can’t imagine life without her. She’s the best💕

08/06/2026

The One Where They Needed a Little More Room 🤝

After getting married last year, these two started this chapter together in the townhome she already owned. But as life grows, sometimes your home needs to grow with it.

So here’s to more space, more dinners around the table, more weekends in the backyard, and all the little moments that make a house feel like home.

Cheers to my amazing buyers! I couldn’t be happier for you both and can’t wait to see this next chapter unfold. 🥹

A big thank you to The Perry Dyott Team with HOME Luxury Real Estate and Jane Cross with Jane Cross and Ansley Real Estate Christie's International for the fantastic teamwork. 🙌

𝐇𝐞𝐥𝐩𝐢𝐧𝐠 𝐲𝐨𝐮 𝐟𝐢𝐧𝐝 𝐲𝐨𝐮𝐫 𝐰𝐚𝐲 𝐡𝐨𝐦𝐞 𝐰𝐢𝐭𝐡 𝐜𝐥𝐚𝐫𝐢𝐭𝐲 𝐚𝐧𝐝 𝐬𝐮𝐩𝐩𝐨𝐫𝐭, 𝐉𝐞𝐬𝐬𝐢𝐜𝐚 𝐁𝐞𝐫𝐧𝐬𝐭𝐞𝐢𝐧 — 𝐘𝐨𝐮𝐫 𝐓𝐫𝐮𝐬𝐭𝐞𝐝 𝐋𝐞𝐧𝐝𝐢𝐧𝐠 𝐏𝐚𝐫𝐭𝐧𝐞𝐫.

📲 770.815.8634
📧 [email protected]
🔗 Apply Now: southstatebank.com/jessicabernstein

SouthState Bank

08/05/2026

Why SouthState Bank ?

For me, it comes down to having more ways to serve the people who trust me with one of life’s biggest financial decisions.

I’ve always believed there isn’t a one-size-fits-all approach to home financing. Every borrower has a different story, different goals, and a different financial picture.

That’s what makes having the right resources so important.

From portfolio lending and specialty products to Premier Approval, local decision-making, convenient remote closings, and more, SouthState provides a wide range of tools that allow me to better tailor financing strategies to each client’s unique needs.

At the end of the day, my goal has never changed.

It’s to listen first, understand what matters most to each client, and help them move forward with confidence—knowing we’ve found the financing solution that’s the right fit for them. 🤝

𝐇𝐞𝐥𝐩𝐢𝐧𝐠 𝐲𝐨𝐮 𝐟𝐢𝐧𝐝 𝐲𝐨𝐮𝐫 𝐰𝐚𝐲 𝐡𝐨𝐦𝐞 𝐰𝐢𝐭𝐡 𝐜𝐥𝐚𝐫𝐢𝐭𝐲 𝐚𝐧𝐝 𝐬𝐮𝐩𝐩𝐨𝐫𝐭, 𝐉𝐞𝐬𝐬𝐢𝐜𝐚 𝐁𝐞𝐫𝐧𝐬𝐭𝐞𝐢𝐧 — 𝐘𝐨𝐮𝐫 𝐓𝐫𝐮𝐬𝐭𝐞𝐝 𝐋𝐞𝐧𝐝𝐢𝐧𝐠 𝐏𝐚𝐫𝐭𝐧𝐞𝐫.

📲 770.815.8634
📧 [email protected]
🔗 Apply Now: southstatebank.com/jessicabernstein

08/03/2026

The One With Their First Set of Keys 🔑🥹

There’s something extra special about handing over the keys to first-time buyers… especially when they’re also starting their first chapter as newlyweds.

This one checked all the right boxes, and I couldn’t be happier for them as they settle in and make it their own.

Congratulations to my wonderful buyers! Wishing you both so many happy memories in your new home. 🏡

Another great closing made possible by some wonderful people.

Thank you to Sue Kiss Richardson with Dorsey Alston, Realtors ® and The Katie McGuirk Team | Atlanta Luxury Real Estate for helping make this one such a great experience.

𝐇𝐞𝐥𝐩𝐢𝐧𝐠 𝐲𝐨𝐮 𝐟𝐢𝐧𝐝 𝐲𝐨𝐮𝐫 𝐰𝐚𝐲 𝐡𝐨𝐦𝐞 𝐰𝐢𝐭𝐡 𝐜𝐥𝐚𝐫𝐢𝐭𝐲 𝐚𝐧𝐝 𝐬𝐮𝐩𝐩𝐨𝐫𝐭, 𝐉𝐞𝐬𝐬𝐢𝐜𝐚 𝐁𝐞𝐫𝐧𝐬𝐭𝐞𝐢𝐧 — 𝐘𝐨𝐮𝐫 𝐓𝐫𝐮𝐬𝐭𝐞𝐝 𝐋𝐞𝐧𝐝𝐢𝐧𝐠 𝐏𝐚𝐫𝐭𝐧𝐞𝐫.

📲 770.815.8634
📧 [email protected]
🔗 Apply Now: southstatebank.com/jessicabernstein

SouthState Bank

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Atlanta, GA

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+17708158634

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