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Ready To Buy Or Refinance Your Home? We Are Here To Help.

HomeTown Lenders, Inc

Learn More About Your Cash Out Refinance Options below.

Cash Out Refinance Today

Get More Savings

Get a fair deal and competitive rates!
Restrictions may apply.

Forget about “minimum payments” – pay your credit cards down to $0 and wipe out everything else from car loans, personal loans, even a second mortgage!

Home Improvements, Debt Consolidation, College Tuition or almost anything else!

Families with Late Payments, Judgments, Collections, Foreclosure, and even Bankruptcy can still save thousands!

This is no cost or obligation application process, only takes about 10 minutes, and you may not even need an appraisal!

“Words alone can’t describe the level of customer care provided by Alonzo Edwards. He was there for us every step of the way with thorough explanations and with a goal… to see us in our new home! We received the same level of care from the entire team. Thanks so much for your hard work! My family appreciates you!”

L.D. – Raymond, MS

Ask Hometown Lenders
how you might be able to...

Reduce Your Monthly Payments!
Lower Your Interest Rate!
Cut Years Off of Your Loan!
Consolidate Your Debt!
Get a Greater Tax Deduction!

Most Credit Scores Considered!

Buy a Home with NO MONEY DOWN!
Home Improvements With No Money Out of Pocket!
Get Cash for College Tuition or Anything Else!
Get Rid of Your Private Mortgage Insurance (PMI)!
HomeTown Lenders, Inc. Logo | HomeTown Lenders Mortgage Team | Jackson MS Mortgage Lender | Nationwide Mortgage Lender
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HomeTown Lenders, Inc. Logo | HomeTown Lenders Mortgage Team | Jackson MS Mortgage Lender | Nationwide Mortgage Lender

Home Loan Pre-Qualification Inquiry

HomeTown Lenders, Inc. Logo | HomeTown Lenders Mortgage Team | Jackson MS Mortgage Lender | Nationwide Mortgage Lender

Home Loan Pre-Qualification Inquiry

1
About You
2
Information
3
Complete
Pre-Qualification Questions
Final Questions

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.

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

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