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Nancy Collins Sr.

Mortgage Loan Officer



Phone: 706-280-9763
NMLS# 3724

Nancy is a local mortgage lending expert, with an excellent customer reputation, offering her borrowers exceptional customer service, competitive rates and mortgage products. She has prided herself on being honest, trustworthy and ethical with all of her borrowers, helping them through the entire mortgage process, start to finish. She has helped countless families obtain home ownership in her 10 plus years of experience in the industry. Nancy is a resident of Tunnel Hill, Ga. where she resides with her husband and only son. She is also a proud participant in her community. Her included memberships are with Dalton-Whitfield County Chamber of Commerce, Carpet Capital Association of Realtors, and the Lions Club. Nancy would love the opportunity to not only close your loan but to also become your loan officer for life!

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Kristy Ragsdale

Mortgage Banker



Phone: 770-652-4727
NMLS# 219428

Kristy is an Atlanta native to and a licensed mortgage loan originator. As a mortgage specialist, Kristy is dedicated to providing the most exceptional customer service available for both seasoned and first-time home buyers. She has over 10 years experience in assisting buyers in achieving the American dream of home ownership. She is here to assist you with any questions or guidance needed through the lending process.

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Joy Brown

Mortgage Banker



Phone: 770-827-6746
NMLS# 226259

Joy Brown is an Atlanta native and is a graduate of McEachern High School. Joy has been in the mortgage industry for over 33 years where she has worked in processing, underwriting, and production. This wide scope of experience makes Joy a true mortgage expert, and she has been named a Top Producer for 10 years, closing over $52 million in volume in one year. Joy aims to be upfront and honest with all of her clients and communicates her knowledge of the loan process in a way that is understandable.Joy enjoys spending her time watching sports, spending time at the lake, and spending time with her husband, two children, and granddaughter.

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Team Mortgage

FBC Team Mortgage – Roswell, GA



Direct: 770-910-3555
NMLS# 152859

Jim and Michael provide their clients with the confidence they need to achieve their goals by communicating timeframes and not cutting corners. Because the FBC team sees each client as a lifelong relationship, they provide each client with a network of professional referrals that help them in every step of the buying process.

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Jeff Scott

Branch Manager



Direct: 770-826-6898
NMLS# 213274

Jeff began his career in the mortgage industry in 2007 with First Option Mortgage, and has steadily grown through the company ranks. In his first 2 years with the organization, Jeff became one of the top loan officers in the company. That early success evoked a passion for the business that quickly propelled Jeff into a Manager at the company’s corporate office in Atlanta, GA. First Option Mortgage is headquartered in Atlanta, Georgia with locations across 12 states nationally and is licensed to do business in 46 states. We have been on the cutting edge of mortgage lending since the company’s birth in 2004. With the best breed of technology and diversified marketing strategy, First Option has become a national powerhouse. First Option is set up to cater to top mortgage professionals and has a strong banking operation with complete control over the entire loan process. If you are interested in applying for a mortgage, please contact Jeff Scott.

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