HomeTown Lenders, Inc. Florida Mortgage Lenders

Nationwide & Florida Mortgage Lenders Offering Conventional Loans, FHA Loans, USDA Loans, VA Loans

Ready to buy your home?

Let's Get Started

*Approximately 3 -5 Minutes to Complete The Form.

Ready to buy your home?

Let's Get Started

*Approximately 3 -5 Minutes to Complete The Form.

Welcome To Hometown Lenders, Inc. - Serving All Of Florida

We Are Licensed Nationwide and Florida Mortgage Lenders Highly Trusted By Clients in 14 States For Their Home Loans and Mortgages

We are leading Nationwide & Florida Mortgage Lenders, and for good reason. We have helped many families and individuals in Florida, Alabama, Arkansas, California, Louisiana, Kentucky, Maryland, Michigan, Missouri, Mississippi, New Mexico, Tennessee, Texas, and Virginia achieve their dream of home ownership through high quality mortgage lending serviced through the HomeTown Lenders, Inc Ridgeland MS Branch.

At HomeTown Lenders, we believe in helping our neighbors achieve their American dream through the power of home ownership. It is our pleasure to serve our community as your HomeTown Mortgage Lenders. Now that you’re here, take a look around at the mortgage products and services we offer. With mortgage rates at all time historical lows, now is the best time to get prequalified to buy your dream home

A Diverse and Comprehensive Line of Loan Products to Fit Everyone's Needs

FHA LOANS

Down to a 580 Credit Score

*SPECIAL RESTRICTIONS APPLY

Jumbo
Loans

Down to a 620 Credit Score

VA HOME LOANS

Down to a 580 Credit Score

*SPECIAL RESTRICTIONS APPLY

FHA
203K Loans

Down to a 620 Credit Score

USDA LOANS

Down to a 620 Credit Score

*SPECIAL RESTRICTIONS APPLY

FHA/VA/USDA
Conventional

Manufactured Home
Loans Available

CONVENTIONAL

Down to a 620 Credit Score

Down Payment
Assistance

Need A Little Help?
There May Be Assistance!

how much Will My Payments Be?

Mortgage Calculator

$

5%

1%

4%

$

$1421

Monthly Payment

Principal & Interest $1421

Monthly Taxes $1421

Monthly Insurance $1421

By sending this form to your email you are agreeing to allow us to contact you by email to follow up with you. Call us today to see what programs you may qualify for and today’s interest rates

Hometown Lenders Helping You Achieve Your Dreams

We Are Proud To Be Your Nationwide & Florida Mortgage Lenders

We pride ourselves in making your home financing experience as easy and affordable as possible. Our service is second to none.
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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