Phoebe Johnson

Director of Mortgage Community Lending

NMLS #: 251319

3475 Piedmont Road Northeast, Atlanta, GA 30305

Phoebe Johnson | SouthState Mortgage

About Phoebe Johnson

Phoebe Johnson, a native of Atlanta, GA, began her career in 1995 as an executive assistant to the Mortgage Operations manager with no experience in the mortgage industry. Her manager mentored her, and she has been hooked ever since. Phoebe's mortgage experience spans several facets, including processing, underwriting, closing, construction lending, and origination. She enjoys the evolution of knowledge this career offers. Even now, she looks forward to Mondays the same as she does Fridays. Two of her favorite quotes fitting for her love of this industry are: "People don't care how much you know until they know how much you care," and "Find a job you love, and you will never work a day in your life." Almost 30 years later, she feels like she hit the jackpot.
Couple buying a home with an FHA Loan

FHA Loans

A Great Option for First Time Home Buyers

Learn More
Woman ready to discuss building her dream home

Construction & Renovation Loans

Building or Renovating: Make Your House a Home

Learn More
Individual and family homebuyers assistance funding

Opportunity Advantage

Assistance for Qualified Home Buyers

Learn More

First-Time Buyer Resources

  • Resources for first-time homebuyers
  • Tips for improving your credit score
  • Get information on pre-qualifying
  • Learn about the loan process
  • Find a checklist of information you'll need to gather
  • Learn about Down Payment Assistance programs
Icon image for Learn What You Can Afford

Learn What You Can Afford

Try Our Mortgage Calculator

Recent Reviews

5 stars
Google   •   SouthState Bank
07/04/2026
I just want to thank Miss Phoebe Johnson at South State Bank. The mortgage company work with us closely, gave good direction. And patient assistance was a very positive experience. I would refer it to my children. Thanks again South State Bank
5 stars
Google   •   SouthState Bank
06/25/2026
Phoebe was amazing to work with! Her expertise was evident throughout what could have been a very stressful process, but she made everything feel easy and manageable. Her prompt responses and clear communication helped ensure the process went smoothly from start to finish. I always felt understood, respected, and supported. Thank you, Phoebe, for your outstanding service and dedication!
5 stars
Google   •   SouthState Bank
10/17/2025
I just want to give a big thank you to my lender, Phoebe Johnson for being there every step of the way. From start to finish, she was always available answering every call and email, and taking the time to explain everything I needed to know. I truly felt comfortable and supported throughout the entire process!

How can we help?

I'm Ready To:
Have Questions? We're Here to Help!







Our website uses cookies to store information on your device and collect data to enhance site navigation, analyze site usage, and assist in our marketing efforts. By continuing to use this website, you consent to the placement of these cookies and our Terms of Use. To learn more about how we use cookies and visitor data, please review our Privacy Policy.