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James Gay
VP, Market Production Manager
NMLS ID #: 412223
Mobile: (803) 215-2412
Fax: (706) 842-5408

James Gay is a top producing loan officer in the Central Savannah River Area (CSRA) and is also one of the top producers in the State of Georgia with over 16 years of mortgage industry experience.  James works with clients all over the CSRA and is proud to support its residents and community with VA, FHA, Conventional, Construction and renovation loan experience.

A Mortgage Banker Association of Georgia (MBAG) Award Winner since 2008 and named a "Top 10 Producing Loan Officer" in 2014 and 2017, James won MBAG's President's Award from 2010-2016. James and his locally based team offer a personalized mortgage experience with their commitment to providing each borrower the best possible home financing options.


Born and raised in North Augusta, James and his family make North Augusta their home and love spending time in the community. "My goal for our clients is setting and exceeding expectations. I want the clients to walk away with that 'WOW' factor", says James.



Ashlee Aloan

AVP, Production Partner

(706) 834-0029

NMLS: 1003923


Customer Testimonials

I have been through the mortgage process a few times in the past. Never has it been so pleasant. You and your staff were always there for any questions I had. In addition , you made the entire transaction extremely smooth and seamless. Thank you for a job well done.

Charles K.

James Gay is very professional, personal and easy to work with!

Michael B.

I always enjoy working with both James Gay and Ashlee Aloan. They are both great and keep me informed of the progress of things needed on my part to make the transaction smooth.

Bobby S./ Borrower

James and his team stayed in contact with me throughout the process from beginning to end. All of the requirements were clearly communicated to me in a timely fashion, and they always replied back to my questions and concerns within a reasonable time frame. Applying for a mortgage can be a nerve-wracking experience. Its the largest purchase most of us will ever make. James and his team went above and beyond to make sure I was comfortable. Thank you!

Scott G.

James Gay and his team made my homebuying experience easy and stress-free! They were efficient and all-around a great team to work with. Thank you for helping me with purchasing my first home!

Ashley W. / First-Time Homebuyer

Couldn't have asked for a better team to work with on purchasing my home. So thankful to have the buying experience be made so easy and enjoyable!

Aislinn M.

James and the team made themselves accessible and worked fast to ensure an easy and expedited experience. I compared rates to other lending companies and they met or exceeded in rates and conditions. Great value in home insurance costs when connected with their affiliate insurance company! Overall, highly appreciated and recommend their service.

Robert S.

James Gay and his assistant, Ashlee were awesome in my process. This was my first time purchasing a home. They ALWAYS made me feel comfortable in my decisions, replied to me in a timely manner and were very helpful. I have recommended them to several friends thinking about purchasing a home.

Michelle L. / First-Time Homebuyer

James gets the job done very efficiently. You can count on what he tells you. I have gone to him 2 times and both times I closed inside of 30 days. Very professional in what he does.

William J.

James Gay and everyone I worked with at BankSouth Mortgage were great to work with. They were knowledgeable and responsive to all my questions. This was my 5th mortgage (the 1st by myself) and by far the easiest I’ve gone through. I was able to complete all the paperwork online and they were attentive and very helpful. I would highly recommend Janes Gay and the BankSouth Mortgage team!

Kimberly S.

James Gay was fantastic! He took the time to explain everything to us and we felt prepared and confident at closing. I'm actually shocked at how painless buying a house for the first time was!

Benjamin H. / First-Time Homebuyer

James' team was great from the start. They provided a professional and courteous experience from the first day we met. With this being my family's first home purchase we are grateful for the ease in which the process was handled.

Andrew K. / First-Time Homebuyer

We wouldn't use anyone else! James Gay has helped us several times with financing homes. Not only us, but our kids and friends of the family. We recommend him to everyone we know!

James S. / Borrower

Ashlee was amazing. She kept us completely informed from start to finish. This was the easiest loan process my wife and I have ever been through. I would recommend this team to anyone. Great customer service and extremely responsive to every question or concern we had. Hands down, THE BEST!

William K.

This is our second time working with James and BankSouth. My husband and I appreciate another seamless and smooth transaction.

Rhonda C.

Never have I purchased a home so easily...James and Ashlee were phenomenal.

Teresa L.

They were very professional and pleasant. They knew their job very well and communication was excellent. The whole process was very nice and I was lucky to have Ashlee and Jennifer help me get the house. Thank you very much.

Andrew L.

James Gay was especially helpful in answering all my questions quickly and completely. He was professional and friendly and helped me get all my documents together in a timely manner.

Stephanie K. / Borrower

Working with James and other team members of BankSouth Mortgage was an absolute delight. This has been the easiest process we have experienced. We thought there would be tons of paperwork and waiting weeks, but it was actually the complete opposite. Easy to follow instructions and results were quick. I credit that to James and others of BankSouth Mortgage. Thanks again for a wonderful experience!!!

Angel G.

This is the second time I have worked with James. He is exceptional! I recommend him frequently.

Karen C. / Borrower

Honesty and timeliness separate James from his competitors. His willingness to explain the small details in a courteous manner made for excellent communication! He was transparent throughout the process and closed quicker than expected. I couldn't be more satisfied!

Patrick B.

Buying my home with BankSouth was very easy and stress free. I’d recommend them over every other lender.

John Z.

Very professional; don't think they could have made buying a house any easier. They were awesome!

John M. / Borrower