Cheryl Cloud - NMLS #545242 - BankSouth Mortgage

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Cheryl Cloud - NMLS #545242 - BankSouth Mortgage

🏠 Senior Loan Officer at BankSouth Mortgage NMLS [545242]

Cheryl Cloud is a Cherokee County native with a desire to serve others. NMLS ID #: 545242

With over 37 years in the Banking Industry, Cheryl brings a great deal of knowledge and understanding to each of her transactions. Cheryl loves walking her clients through the mortgage process and supporting them along the way. She is never too busy to reply to an email or text from one of her customers. As a result of her hands-on approach, many of Cheryl’s clients come back and work with her on

their next purchase or refinance or refer her services to others. With tremendous knowledge of current mortgage programs, including VA and FHA programs, it is clear that Cheryl is ready to meet her customer’s needs. For the past 7 years, Cheryl has been recognized as a Gold Member of the Mortgage Bankers Association. Cheryl and her husband Lamar currently live in Cherokee County and enjoy spending time with their three children and three grandchildren.

26/08/2026

"Why do you keep asking for my bank statements?"

We get it...it can feel like we've already seen them!

But your bank statements help us verify that your funds are available for closing, document where large deposits came from, and make sure there haven't been any significant changes to your finances since you applied.

That's also why we may ask about money you've moved between accounts or request updated statements as your closing date gets closer.

It isn't because we don't trust you. It's because we're responsible for making sure your loan meets all lending requirements—and that there aren't any last-minute surprises that could delay your closing.

Every statement. Every deposit. Every question. It all helps get you to the closing table with confidence.

24/08/2026

Construction financing isn't just about paperwork.

It's about relationships.

I work alongside buyers, builders, Realtors, appraisers, underwriters, inspectors, and our local construction department to help keep everything moving.

When everyone works together, the experience is smoother for everyone involved.
That's the kind of partnership I strive to provide every day.

Whether you're building your first home or your forever home, I'd love to be part of your team.

21/08/2026

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.

19/08/2026

Ever wonder why your loan officer asks odd questions?

"Will you receive any large deposits?"
"Will someone be helping with your down payment?"
"Are you planning to retire soon?"

Those answers could change:
* your loan options
* monthly payment
* closing costs
* documentation needed

We aren't always making conversation...We're building the best financing strategy for YOU.

BankSouth Mortgage, LLC, NMLS 690971, Equal Housing Lender.

17/08/2026

After helping families build custom homes, there are a few things I wish everyone knew before they started.

✔️ Building takes planning—not perfection.
✔️ Your lender should be involved early.
✔️ Communication between your lender and builder matters.
✔️ Budgets should include room for unexpected decisions.
✔️ The right team makes all the difference.

Building your dream home should be exciting—not overwhelming.

That's exactly why I love what I do.

Thinking about building? I'd love to help you prepare before construction begins.

14/08/2026

🏡 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.

12/08/2026

5 Questions Rose (and Every Borrower) Should Ask

1) Is this the right loan for how long I'll own this home?
2) What could make my payment change?
3) How much money should I keep in savings after closing?
4) Are there options I haven't considered?
5) What happens if life changes after I buy?

Those questions aren't "dumb"... They're smart!

10/08/2026

Here's a little secret about building a custom home...

The people who have the smoothest experience usually don't start by picking out cabinets.

They start by creating a plan.

Whether you're thinking about building six months from now or next spring, now is the perfect time to:
• Understand your financing options
• Determine your budget
• Explore land opportunities
• Build your team

A little planning today can save a lot of stress later.

If building is on your vision board, let's create a game plan together.

07/08/2026

Swipe through for a quick breakdown of how homeownership and equity can work together.

I’m sharing this BankSouth Mortgage article because it explains an important point clearly: buying a home isn’t just about where you live. For many people, it can also be part of a long-term financial plan.

Of course, homeownership isn’t the right move for everyone at every stage. Your goals, budget, timeline, and financial readiness all matter.

Take a look, then reach out if you want to talk through what may make sense for you.

🔗 https://trst.in/z0q5c4

05/08/2026

Rose was famous for asking questions that made everyone stop and say, "Rose..."

Believe it or not, loan officers ask some pretty strange questions too.

"Are you planning to change jobs?"
"Will anyone be giving you money for your down payment?"
"Are you expecting any large deposits?"
"How long do you think you'll stay in this home?"

We know those questions can seem random—or even a little intrusive. But every question has a purpose. We're not just trying to get you to closing. We're trying to help you choose the financing option that best fits your life today and your plans for tomorrow.

And while we're asking our questions... I hope you'll ask yours.

Because when it comes to buying a home, there really is no such thing as a dumb question.

Address

117 Towne Lake Parkway, Suite 110

30188

Telephone

+14043103753

Website

https://banksouthmortgage.com/loan-officer/cheryl-cloud

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