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

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Contact HomeTown Lenders, inc. - Ridgeland, MS Branch

Contact Us To Get Prequalified For Your Nationwide or Jackson MS Conventional, FHA, USDA, Or VA Mortgage Home Loans

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*Approximately 3 -5 Minutes to Complete The Form.

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Call or message us to schedule your appointment to get prequalified or to start your mortgage loan application process. 

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

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Pre-Qualification Questions
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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.

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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

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