fbpx

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

HomeTown Lenders, Inc.

HomeTown Lenders, Inc, Now Hiring Mortgage Loan Officers: Full-Time, Part-Time, Remote Opportunities Available.

Ready To Start With Hometown?

*Approximately 3 -5 Minutes to Complete The Form.

Scroll to Top

Mortgage Loan Officer Application

1
About You
2
Application
3
Finalize
About You
Application

Thank you for applying with HomeTown Lenders for a career. A member of our staff will contact you regarding your application within the 72 hours. In case of weekends or holidays, we will contact you within 72 hours of the following business day.

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

Skip to content