Month: October 2026

Like Amy says, buying a home starts long before you make an offer. Our home team can help you prepare for closing costs, moving expenses and more.
Start by asking Amy anything at [email protected].

Meet Amy Bell, Mortgage Loan Originator at Vallant Bank

Amy Bell (NMLS# 2039257) works with homebuyers out of Vallant Bank’s Braselton office. In this video, Amy explains why building a savings cushion for closing costs, moving expenses and small repairs is one of the smartest steps to take before your home search begins. Get in touch with Amy.

Transcript:

0:00
Hi, I’m Amy with Vallant Bank.

0:03
Many homeowners spend months looking for the perfect house, but one of the smartest things you can do happens before the search even begins: building a savings cushion.

0:14
Closing costs, moving expenses and small home repairs can add up quickly.

0:20
I’d love to help you prepare for those costs by talking through your plans.

0:25
Reach out today. Vallant Bank. Local strength. Limitless reach.

Having the right documents ready can make the mortgage process smoother. Laura Rutledge of the Vallant home team is here to help. Message her at [email protected].

Meet Laura Rutledge, Mortgage Loan Originator at Vallant Bank

Laura Rutledge (NMLS# 1730893) works with homebuyers out of Vallant Bank’s Covington office. In this video, Laura covers the documents you’ll need for a mortgage application, from income and assets to credit. Get in touch with Laura.

Transcript:

0:00
Hi, I’m Laura with Vallant Bank.

0:02
Before you apply, take time to review the documents needed for a mortgage loan application.

0:08
Things like income, assets and credit all play a role, and having everything ready helps the process move faster.

0:16
If you’d like help preparing, I’d be glad to work directly with you to make sure you’ve got everything you need.

0:21
I look forward to helping you.

0:24
Vallant Bank. Local strength. Limitless reach.

Your monthly payment includes more than just your loan. Get the help you need to understand the full picture for your homebuying journey. Email Laura at [email protected]!

Meet Laura Rutledge, Mortgage Loan Originator at Vallant Bank

Laura Rutledge (NMLS# 1730893) works with homebuyers out of Vallant Bank’s Covington office. In this video, Laura breaks down what goes into a monthly mortgage payment beyond the loan itself, including taxes and insurance. Get in touch with Laura.

Transcript:

0:00
Hi, I’m Laura with Vallant Bank.

0:03
When planning for a home, it’s important to understand your monthly mortgage payment.

0:07
That includes more than just the loan. Taxes, insurance and other costs all factor in.

0:12
It can get confusing, but thankfully you don’t have to do it alone.

0:16
Connect with me and I promise we’ll get you started strong.

0:19
Vallant Bank. Local strength. Limitless reach.

While pre-qualification can be a helpful first step, understanding your homebuying readiness can give you even more confidence. Email MLO Amy Bell at [email protected] to learn how Vallant can help you better understand your buying power and prepare for your home search.

Meet Amy Bell, Mortgage Loan Originator at Vallant Bank

Amy Bell (NMLS# 2039257) works with homebuyers out of Vallant Bank’s Braselton office. In this video, Amy explains that mortgage pre-qualification and pre-approval serve different purposes, and how understanding pre-approval can help you move forward with confidence. Get in touch with Amy.

Transcript:

0:00
Hi, I’m Amy with Vallant Bank.

0:04
Mortgage pre-qualification and mortgage pre-approval are both helpful, but they serve different purposes.

0:11
Understanding how home loan pre-approval works can help you move forward with confidence.

0:16
And if you’re ready for that bit of homebuying confidence, I’m just a call away.

0:24
Vallant Bank. Local strength. Limitless reach.

Pick a lender at https://vallant.bank/mortgage-lenders/ or send a message to MLO Holli Gailey at [email protected].

Meet Holli Gailey, Mortgage Sales Team Leader at Vallant Bank

Holli Gailey (NMLS# 335608) works with homebuyers out of Vallant Bank’s Elberton office. In this video, Holli explains how Vallant’s online mortgage application lets you start the process anytime and move at your own pace. Get in touch with Holli.

Transcript:

0:00
Hi, I’m Holli with Vallant.

0:02
Applying today is easier than ever.

0:04
With an online mortgage application, you can start the process anytime and move at your own pace.

0:10
It’s a simple way to take that first step toward homeownership.

0:14
Are you ready? Reach out today to get started.

0:18
Vallant Bank. Local strength. Limitless reach.

Every homebuyer is different, and so is every mortgage. Reach out to MLO Amy Bell at [email protected] and see what loan fits your goals.

Meet Amy Bell, Mortgage Loan Originator at Vallant Bank

Amy Bell (NMLS# 2039257) works with homebuyers out of Vallant Bank’s Braselton office. In this video, Amy talks about the difference local guidance makes when questions come up during the homebuying process. Get in touch with Amy.

Transcript:

0:01
Hi, I’m Amy with Vallant Bank.

0:03
One of the most important parts of the homebuying process is having someone you can actually talk to when questions come up.

0:11
Local guidance can make a big difference when things feel uncertain or overwhelming.

0:16
If you’re thinking about buying a home and want a lender who’ll walk through it with you, give me a call today.

0:23
Vallant Bank. Local strength. Limitless reach.

Mortgage rates move for many reasons. But our own Holli Gailey can help you understand your options. Email her at [email protected].

Meet Holli Gailey, Mortgage Sales Team Leader at Vallant Bank

Holli Gailey (NMLS# 335608) works with homebuyers out of Vallant Bank’s Elberton office. In this video, Holli explains how inflation, the economy and the bond market all play a role in mortgage rates. Get in touch with Holli.

Transcript:

0:00
Hi, I’m Holli with Vallant Bank.

0:03
A lot of buyers ask, “What actually affects mortgage rates?” Things like inflation, the economy and the bond market all play a role.

0:11
Understanding that can help you make more informed decisions and get you into your new home faster.

0:17
If you want to talk through timing, I’m here to guide the way.

0:20
Vallant Bank. Local strength. Limitless reach.

Big financial changes can affect your mortgage process. MLO Leann is here to help you stay on track from application to closing. Email [email protected].

Meet Leann Fortson, SVP of Mortgage Lending at Vallant Bank

Leann Fortson (NMLS# 370434) works with homebuyers out of Vallant Bank’s Elberton office. In this video, Leann explains why keeping your finances steady, without large purchases or major changes, helps your loan move smoothly from start to finish. Get in touch with Leann.

Transcript:

0:00
Hi, I’m Leann at Vallant Bank.

0:02
When you’re getting ready to buy a home, consistency matters.

0:06
Large purchases or major financial changes during the process can sometimes slow things down.

0:12
Keeping things steady can help your loan process move more smoothly from start to finish.

0:16
If you have questions along the way, I’m always here to help guide you through it.

0:21
Vallant Bank. Local strength. Limitless reach.

Every homebuyer has different goals. MLO Amy Bell can help you explore mortgage options that fit your life. Send all your homebuying questions to [email protected]!

Meet Amy Bell, Mortgage Loan Originator at Vallant Bank

Amy Bell (NMLS# 2039257) works with homebuyers out of Vallant Bank’s Braselton office. In this video, Amy explains how the right loan comes down to your goals, your timeline and what works for your life today and down the road. Get in touch with Amy.

Transcript:

0:00
Hi, I’m Amy with Vallant Bank.

0:03
Every homebuyer’s situation is different, which means your mortgage plan should be, too.

0:09
The right loan comes down to your goals, your timeline and what works best for your life today and down the road.

0:17
If you’re ready to talk through your options, I’m here to help make the process feel simple and straightforward.

0:25
Vallant Bank. Local strength. Limitless reach.

Buying a home is about more than the purchase price. MLO Lina can help you find a payment that fits your life today and tomorrow. Connect with her at [email protected]

Meet Lina Cook, Mortgage Banker at Vallant Bank

Lina Cook (NMLS# 1273397) works with homebuyers out of Vallant Bank’s Gainesville office. In this video, Lina explains why your long-term budget and a comfortable monthly payment matter just as much as the purchase price. Get in touch with Lina.

Transcript:

0:00
Hi, I’m Lina with Vallant Bank.

0:02
A lot of buyers focus only on the purchase price when shopping for a home, but it’s just as important to think about your long-term budget and what feels comfortable month to month.

0:13
Planning ahead can help you buy with more confidence and less stress.

0:17
If you’d like help figuring out what makes sense for you, I’ll be glad to help.

0:22
Reach out anytime. Vallant Bank. Local strength. Limitless reach.