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Mortgage Loans

Our experienced home loan consultants will help you determine what home loan is best for you. We invite you to call or come by our offices to discuss the rates and terms available.

Available Financing Options

Conventional Mortgages

Conventional mortgages offer you the ability to fix your interest rate for 10, 15, 25 or 30 years with the most competitive interest rates available with up to 100% financing.

Adjustable Rate Mortgages (ARMS)

ARMs are tied to a market index and are popular with some borrowers. The interest rate on an ARM loan can adjust upward or downward according to a specific schedule. A "cap" limits the amount it may rise. A number of plans are available offering interest rates that are fixed for the first one, three, or five years.

Balloon Mortgages

Payments are amortized over a 25 year period. However, the loan does balloon after five or seven years and the loan must be restructured for the remaining term.

Jumbo Mortgages

For the buyer needing financing above conventional loan limits, we offer both fixed rate and adjustable rate loans in amounts ranging up to $1 million.

FHA, VA and USDA Rural Housing Loans

Our Mortgage Loan consultants have expertise in underwriting and processing these loans, which will mean quick approval and closing for you. There is no down payment required on VA and USDA Rural Housing loans and a very low down payment required on FHA Loans. 

Down Payment Assistance Programs 

Sponsored by the Mississippi Home Corporation, assistance is available up to $10,000 for primary residence. Restrictions apply. Ask for details.

• Housing Assistance for Teachers – Are you a board-certified teacher in MS looking to buy a home? If you agree to teach in a critical shortage area, we have a down payment assistance program for you! See program eligibility.

• Trusty 10 – Need a program you can trust? Trusty 10 offers $10,000 in down payment assistance and closing costs with a competitive interest rate. See if this program is right for you.

• Smart6 – Make the smart choice and sue Smart6 to purchase your home! Smart6 offers $6,000 in down payment assistance and closing costs with a competitive interest rate. See program details.

• Easy8 – Easy8 offers $8,000 in down payment assistance and closing costs with a competitive interest rate. Let us help make your dream of homeownership a reality. See if you qualify.