About HomeTown Lenders, Inc. Ridgeland, MS Branch

Learn More About HomeTown Lenders, Inc. Ridgeland, MS Branch and how We Help You Get Into Your New Home.

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Let's Get You Pre-Qualified


*Approximately 3 -5 Minutes to Complete The Form.

Learn More About HomeTown Lenders, Inc.

Who We Are

National Presence

We are a Top Producing Mortgage Lender Serving Alabama, Arkansas, California, Florida, Kentucky Louisiana, Maryland, Michigan, Mississippi, Missouri, New Mexico, Tennessee, Texas, and Virginia.

Hometown Lenders, Inc. is a fully integrated, multi-channel mortgage lender. We leverage technology and the power of the Internet with a traditional brick and mortar business in order to bring you efficient mortgage financing and unsurpassed customer service.

We offer a complete range of conforming, non-conforming and government loan programs, as well as a variety of options to help your family successfully budget your mortgage.

Our Story

Hometown Lenders, Inc. began as a local mortgage brokerage firm with a vision for reshaping the future of lending by combining technology with unsurpassed customer service in order to provide customers with the most efficient mortgage process possible. From the start, our business model has always been framed around the strong belief that the main focus of our operations will always be our customers.

We are a closely-knit, professional organization committed to providing the highest level of customer service through highly experienced loan consultants utilizing the most innovative technology available. However, as technology becomes an increasingly larger part of our daily operations, we never lose sight of the fact that Honesty, Values, and Integrity have always been the backbone of our business.

Here at Hometown Lenders, Inc., we believe that even in the face of rapid technological advances, old-fashioned service with a smile will never become obsolete. We do business the right way…the HomeTown Lenders way!

"People Over Profits"

Our goal is to meet and exceed each client’s expectations, and we do that by offering unsurpassed customer service!

At Hometown Lenders, Inc., we put People before Profits. Our home town way of doing business has always been to make sure that each customer receives the highest level of personalized, customer service throughout the entire mortgage loan process.

Our clients praise us for the communications that we maintain with them throughout the entire mortgage loan process. We make sure that you always have two points of contact so that you can feel comfortable knowing that someone is just seconds away when you need them. Guaranteed! At HomeTown Lenders, “People before Profits” isn’t just a catch phrase…it’s the way we do business…every day!

About HomeTown Lenders, Inc. Mortgage Team - A Highly Trusted Jackson MS Home Loan Lender And Licensed Mortgage Company

Learn more About Hometown Lenders, Inc. Vision & MIssion

Our Vision

To emerge as an industry leader by building upon our high standards of operational excellence, continuing the development of a nation-wide presence, and by utilizing leading-edge technology in order to deliver mortgage loans in the most efficient manner possible.

Our Mission

To serve our Customer today by continuously operating from our core belief that exceeding expectations is the only way to do business. We will deliver this pledge of excellence through unsurpassed Customer service, leading-edge technology, and the most expert assistance possible in order to deliver the most innovative and creative mortgage financing solutions available.

This Mission Statement will serve as the primary framework for HomeTown Lenders future decision-making.

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Home Loan Pre-Qualification Inquiry

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Thank you for choosing HomeTown Lenders for your home loan mortgage needs. One of our team members will contact you within the next 24 hours. In case of weekends or holidays, we will contact you the next available business day.

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Finance Me A Home!

FHA, VA, USDA Loans SPECIAL RESTRICTIONS

Special restrictions and guidelines for bad or poor credit.

All loans FHA, VA, USDA:

  1. FHA –  Minimum loan amount 200K
  2. Alternant trade lines ( utility bill, child care, insurance etc) 12 month history no late payments
  3. BK 7 Discharge over 2 years.  BK CH 13 3 years from file date
  4. Foreclosures over 3 years  
  5. Verifiable Rental history 12 months no lates (Cancel checks, money orders or by management company)
  6. 3 Months of reserves ( 3 months payments in reserves . example in bank, 401k etc)
  7. No excessive late payments in the past 12 months
  8. No Mortgage lates

On FHA with Credit scores less than 580

  • 90% LTV(Loan to Value) with 10% Down payment .

On VA with Credit scores less than 580  

  • 3.  100% LTV(Loan to Value) NO Down Payment

 On USDA with Credit scores  of 580-619

  • 100% LTV(Loan to Value) NO Down Payment

Guidelines