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.

School supplies ✔️Class schedules ✔️Homebuying plans? 🤔Maybe you need more room. Maybe your payment doesn’t feel like th...
08/31/2026

School supplies ✔️
Class schedules ✔️
Homebuying plans? 🤔

Maybe you need more room. Maybe your payment doesn’t feel like the right fit anymore. Maybe you’re just wondering what’s possible.

Swipe through for a few simple mortgage prep steps to keep in mind this season.

Not sure where to start? Comment with your biggest mortgage question or send me a message. I’m happy to help you understand your options.

🏡 Did you know you may not have to pay Private Mortgage Insurance (PMI) for the life of your loan?As you build equity in...
08/24/2026

🏡 Did you know you may not have to pay Private Mortgage Insurance (PMI) for the life of your loan?

As you build equity in your home, you may become eligible to have your PMI removed. In some cases, you can request cancellation when your loan reaches 80% loan-to-value, and in others, PMI may automatically cancel at 78%, provided certain requirements are met.

Every loan is unique, so it's worth understanding your options.

Take a look at our quick guide, and if you have questions about your mortgage or your next home purchase, we're here to help.

08/17/2026

One thing I get to see every day in this business: women making things happen.

Clients buying homes. Real estate partners guiding families. Colleagues keeping the process moving. Community leaders creating opportunities for others.

On Women’s Equality Day, I’m grateful for the women I get to work with, learn from, and serve.

Here’s to the women making a difference in their homes, careers, and communities.

August is National Back to School Month, and if your calendar suddenly feels packed, you’re not alone.This time of year,...
08/10/2026

August is National Back to School Month, and if your calendar suddenly feels packed, you’re not alone.

This time of year, I hear the same thing from a lot of people:
“I’d love to start looking at homes... I just don’t know when I’d fit it in.”

The good news? With BankSouth Mortgage’s ReadyLoan® app, you can move through the mortgage process on your own time, apply, upload documents, and track your progress right from your phone, without adding more stress to your schedule.

If you're curious what buying a home could look like for you right now, the right time to start doesn't have to be when life slows down.

Thinking about buying a home next year? Drop a 🏡 in the comments or send me a message. I'd be happy to help you understand your options.

Mortgage rates found some relief this week, while the housing market continued to send a mixed affordability message. Gr...
08/07/2026

Mortgage rates found some relief this week, while the housing market continued to send a mixed affordability message. Growing incomes have modestly improved the starter-home picture, but elevated rates and home prices are keeping buyers focused on monthly payments.

For borrowers and referral partners, the takeaway is simple: preparation, clear numbers, and the right financing conversation matter in a market that can shift quickly.

Today is National Georgia Day, and it’s a great opportunity to reflect on something I genuinely appreciate about what I ...
08/03/2026

Today is National Georgia Day, and it’s a great opportunity to reflect on something I genuinely appreciate about what I do.

I get to help people buy homes in the same state where I live, work, and raise my family.

That's one of the reasons I'm proud to work for a Georgia-based mortgage company. We aren't serving Georgia from somewhere else. We're part of these communities. We understand the local markets, build relationships with local real estate professionals, and help our neighbors navigate one of life's biggest financial decisions.

In a world where so much has become automated and impersonal, I believe there's still value in working with people who know the area, understand the market, and are invested in the communities they serve.

Happy National Georgia Day! 🍑

This week’s market takeaway: conditions are still moving, but not all in one direction. Rates remain sensitive to bond m...
07/31/2026

This week’s market takeaway: conditions are still moving, but not all in one direction. Rates remain sensitive to bond market and inflation signals, while housing data shows buyers may have more negotiating room in many markets. For borrowers and referral partners, the key is preparation: know the numbers, understand the local market, and be ready to move when the right opportunity appears.

07/27/2026

The weeks before closing are not the time to make big financial changes without checking in with your lender first.

Even things that seem small can sometimes create extra documentation, questions, or delays.

When in doubt, ask before making a move. A quick conversation can prevent a lot of stress later.

It's easy to focus on beautiful finishes and great curb appeal when touring homes. But some of the most important detail...
07/20/2026

It's easy to focus on beautiful finishes and great curb appeal when touring homes. But some of the most important details aren't always obvious at first glance.

These are some of the questions buyers most often forget to ask, yet they're often the ones that have the biggest impact after moving in.

Save this post so you can come back to these questions when you're touring homes and evaluating your options. Reach out anytime if you'd like to discuss your goals and explore what homeownership could look like for you.

This week brought a helpful reminder that mortgage markets can shift quickly. Inflation cooled, rates eased back from re...
07/17/2026

This week brought a helpful reminder that mortgage markets can shift quickly. Inflation cooled, rates eased back from recent pressure, and housing activity remained strongest where buyers have more options and a clear plan.

For buyers, homeowners, and referral partners, the takeaway is simple: stay informed, stay prepared, and keep the conversation focused on what is workable in today’s market.

Address

3290 Northside Parkway NW Suite 600
Gainesville, FL
30327

Telephone

+17706524727

Website

Alerts

Be the first to know and let us send you an email when Kristy Ragsdale - NMLS #219428 - BankSouth Mortgage posts news and promotions. Your email address will not be used for any other purpose, and you can unsubscribe at any time.

Contact The Business

Send a message to Kristy Ragsdale - NMLS #219428 - BankSouth Mortgage:

Shortcuts

Share

Category