I just closed on a loan with Ivy Eilerman and Bank South and worked with many other people under her who quit and gave me the wrong information. The entire loan process was painful and I absolutely cringed every time I heard from them. Run! They lie and they make the entire process painful. Coming from someone with a lot of money in the bank and an excellent credit score you should know they will make your life miserable. Absolutely unprofessional and if I wasn’t stuck because of the contract on my home, I would have never proceeded. Get ready for pure misery and a huge headache If you choose to go with Ivy Ellerman and Bank Sourh. I will warn everyone who will listen and write reviews. Please contact me if you would like to know more. The loan officer I wanted to use was one who worked with many lenders and shopped for the best rate and deal possible. My loan got sold immediately and Bank South did not care to be competitive at all. I can’t wait to pay it off within six months. I hope sharing my experience will save you from the pain I went through.