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

Nationwide & Maryland Mortgage Loan Programs

FHA Loans, Conventional Mortgage Loans, VA Loans, USDA Loans, Jumbo Loans, Manufactured Home Loans, and more!

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.

Learn More About Our Mortgage Loan Programs

Did you know that we are Highly Trusted by clients Across the Nation for our Nationwide & Maryland Mortgage Loan Programs?

We are a leading Nationwide Home Loan Mortgage Lender, and for good reason. We have helped many families and individuals in Maryland, Alabama, Arkansas, California, Florida, Indiana, Illinois, Kentucky, Louisiana, Michigan, Missouri, Mississippi, New Mexico, South Carolina, Tennessee, Texas, and Virginia achieve their dream of home ownership through our Nationwide and Maryland Mortgage Loan Programs serviced through the Home Town Lenders Inc. – Ridgeland, MS Branch

Conventional Mortgage Loans

Conventional loans are one of the best options for prospective borrowers with a high credit scores. By having a higher credit score additional benefits become available like no mortgage insurance, lower down payments, and more competitive pricing. When considering a new home loan conventional financing should be at the top of the list if you have above average credit, a larger down payment, or would like to avoid the additional cost sometimes associated with government insured loans. Learn more about Conventional Mortgage Loans.

VA Loans

VA loans are one of the best options available for veterans that would like to purchase a home or refinance their current VA mortgage. The VA program allows veterans to purchase a home with no down payment and 100% financing. In addition to this monthly mortgage insurance is not required which makes the VA program one of the most affordable options available. If a veteran is already in a VA loan they can take advantage of a reduced documentation refinance by using the streamline program to lower their payments. Learn more about VA Loans.

USDA Loans

The United States Department of Agriculture (USDA) has developed several loans to help low- to moderate-income borrowers to purchase or refinance a home in a designated rural area. The mission of USDA Rural Development’s Single Family Housing Guaranteed Loan Program is to assist rural homebuyers achieve their dream of homeownership. For those who qualify, 100% financing is available, bringing the dream of home ownership within reach. Learn more about USDA Loans.

FHA Loans

FHA loans are by far the easiest mortgage loans to qualify for due to the flexible credit guidelines and the low down payment requirements. A borrower who cannot afford a traditional down payment of 20% or has gone through a financial hardship like a short sale, foreclosure or bankruptcy can benefit the most from the FHA program. Learn more about FHA loans.

We offer Home Loans Down
To A 600 Credit Score.


Down to a 500 Credit Score

with 10% Down Payment

Down to a 581 Credit Score

with 3.5% Down Payment


Down to a 620 Credit Score



No Minimum Score Required

FHA 203K Loans

Down to a 620 Credit Score


Down to a 620 Credit Score

*With $0 Down Payment

Jumbo Loans

Down to a 620 Credit Score


Mobile Home Loans Available

Down Payment

Help May Be Available!

how much Will My Payments Be?

Mortgage Calculator







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 Honored to Be Your Maryland HomeTown Mortgage lenders

Contact us to schedule your appointment to get pre-qualified for your home loan or to start your mortgage loan application. 

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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

About You
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.

Finance Me A Home!


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


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