What Our Customer Are Saying
Thanks JTS for another easy experience. Our refinance to get a lower rate was a very easy process thanks to your team of professionals. I would never consider going anywhere else for mortgage advice and service.
David Minyard
Thanks Jeff and your entire staff at JTS & Co. Most professional and trustworthy group of people we have ever worked with. After having been given the runaround by another mortgage company for over a month, we finally reached out to Jeff and company and our only regret was that we didn’t call on them first! Thanks for the time taken to answer the MANY questions we had and keeping us on track for closing after our first ordeal with the other company. You cannot go wrong with JTS & Co.
Calvin & Sharon Hicks
I can never thank the JTS team for all that they did for our family!! Michelle and Jessica worked tirelessly to get our loan to closing!! I will send all my friends to you all for their home purchase dreams!
Aja Trenise White
Our Products
No matter your situation, JTS & Co. has a solution.
HOME BUYING
We have a streamlined application and approval process, faster closing, and flexibility to make your dreams of homeownership a reality.
REFINANCING
Access the equity in your home, get a lower interest rate, to eliminate Mortgage Insurance or switch from an adjustable-rate to a fixed-rate loan. If you’re looking to refinance, let’s determine your eligibility and get you moving towards a new mortgage.
DONT LET A PREVIOUS DENIAL DETER YOU!
Have you been denied a loan in the past? Not sure if you’d qualify for a mortgage? Don’t be discouraged. Simply contact us today, so we can get started on finding the best solution to meet your financing needs!
Reverse Mortgages
This is a loan available to homeowners who are 62 years or older. Instead of making monthly mortgage payments to a lender, the lender makes payments to the borrower, which is drawn from the homeowner’s equity.
jumbo
A jumbo loan makes high-end home purchases possible, as it’s a mortgage that exceeds the conforming limits set forth by the Federal
Housing Financing Agency. On a jumbo loan, you can purchase a higher-priced home with a great rate. Most lenders have stopped offering this type of loan. However, we are one of the few originators that still provide it to qualifying luxury home buyers.
Housing Financing Agency. On a jumbo loan, you can purchase a higher-priced home with a great rate. Most lenders have stopped offering this type of loan. However, we are one of the few originators that still provide it to qualifying luxury home buyers.
JTS & Co. is Quick and Easy.
We know that you don’t always want to talk to someone to get a rate quote and costs.
Without speaking to aggressive salespeople
Without filling out complicated forms
Prequalify Two Ways:
Speak With One Of Our Highly Trained Specialists
We’ve created an incredible, fast, and streamlined mortgage process.
Or Online
Online resource for a stress-free process, incredibly low rates, and amazing service.
Call Us:
662-329-9090
We’ve Helped Thousands of Customers Become Happy Homeowners
PRE-QUALIFY FOR YOUR LOAN IN A COUPLE MINUTES
One-On-One Consulting
Transparency in the Loan Process
JTS & Co. Mortgage Minute Videos
Latest expert insights into the current housing market and more.
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VA Loans
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Local vs National Lenders
Good morning, I’m Jeff Farnham.
HG: Housing Market Updates
1. Mortgage rates have been having a bad 2022 so far.
2. The average lender I s up to the highest levels in 2 years as of last week.
3. The reason for this is the broader bond market is in an adjustment process in response to the Feds shift in policy.
4. With the reality that rates need to go higher by a certain amount and by a certain time.
5. The amount is a moving target, but likely larger than we have seen so far.
6. The timing of this is probably centered around the Feds meeting in March.
7. Between now and then, traders will be likely making trades that will drive rates gradually higher.
8. Simply put, we are in a rising rate environment until we see a more substantial correction
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HGWhy deal local
9. Why deal locally with someone like JTS & Co? Well I will tell you why.
10. According to a report by Ben Lobel choosing to shop at a local business instead of the larger chain stores has many benefits
11. Local businesses are the backbone of our economy and thus shopping local is better for your community.
12. Research shows that for every $10 spent with a local independent shops means up to an additional $50 goes back into the local economy.
13. Small local businesses are the largest employer of jobs nationally and provide the most local jobs to most communities, and are more likely to pay a higher average wage than commercial chains.
14. Helping to grow the number of jobs in your area makes for a better place to live and work which then creates a healthy economy.
15. Shopping online, while convenient doesn’t always produce the absolute best deal either.
16. In many cases your local shop can provide just as good of a price and possibly a better quality item.
17. We have all shopped that too good to be true deal online only to be disappointed by the quality of the item we received.
18. The fantastic thing about independent local businesses is that they are run by people, your neighbors, not by boards or stockholders.
19. You cant beat the personal touch of a local owner who probably knows you
20. Building relationships between the local owner and the local customer goes further than just a purchase
21. Supporting your local businesses is in everyone’s best interest.
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HG: JTS & Co. vs National Lenders
22. The same holds true for using local lenders.
23. Almost daily we get calls from people that made the decision to begin the mortgage process with an online or national lender.
24. Usually, they were captivated by the promise of a too good to be true interest rate.
25. Only to find out that the rate was loaded with unnecessary charges and discount points, or possibly and adjustable rate
26. Or they have been in the process for 2 or 3 months and cannot get answers.
27. At JTS & Co. we are local, and we are experts and matching you to the best loan program for you and for your goals.
28. The lowest interest rate may not be the best option for you. I know that sounds hard to believe but you must evaluate the cost associated with that rate against your planned timeline and against your goals.
29. Buying the rate down could actually cost you money if you only plan to be in the home for a short period of time.
30. Another reason to stay local at JTS & Co. is that you will never be in the dark about your loan and process.
31. Our average loan closes in 21 days, not 2-3 months. And if there is a delay, we are going to make sure you understand why.
32. Don’t get caught up in the promise if just pushing a button. A mortgage done right is just not that simple.
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HG: Call 662.329.9090 to connect with us today
33. If you’re looking to purchase a home, refinance to lower your rate or reduce the term,
34. consolidate debt or to get out of an adjustable-rate mortgage
35. or renovate your existing home we are experts at matching you with the mortgage that best meets your needs.
36. We look forward to speaking with you this year and helping you achieve your goals
HG: Visit www.jts-co.com Today
37. At JTS & Co., we are Home Loan Advisors located right here in your community.
38. We want to be YOUR Lifetime Mortgage Advisor.
39. You can visit our website to get prequalified today or give us a call.
HG: JTS & Co. is Local. Trusted. Experienced.
40. We are local, trusted, and experienced.
41. Thank you for joining me today and be sure to tune in next week. -
USDA Loans
Good morning, I’m Jeff Farnham.
HG: Housing Market Updates
1. Last week was not the best week for mortgage rates.
2. Mortgage rates increased across all loan types as the Federal reserves signaling of tighter policy ahead pushed US Treasury yields higher.
3. Joel Kan of MBA “Rates at these levels are quickly closing the door on refinance opportunities for many borrowers.”
4. The housing market has started 2022 on a strong note.
5. Both conventional and government purchase applications showed increases
6. With FHA applications increasing almost 9%, and VA increasing more than 5 percent
7. MBA expects solid growth in purchase activity this year, as demographic drivers, and the strong economy support housing demand.
8. Of course, the strength in growth will depend on housing inventory growing more rapidly to meet the demand.
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HGUSDA
9. USDA stands for US department of Agriculture.
10. USDA loans are backed by that department and are intended to help people living in low-to-moderate income households.
11. It can be a good option for you.
12. One of the main benefits is that you can get a low mortgage rate, even without a down payment.
13. In addition, no cash reserves are required
14. Credit and qualifying guidelines are flexible and therefore qualifying is a little easier than some other loan programs.
15. If you know you can afford a monthly mortgage payment but are struggling to save the cash for a down payment then you should consider a USDA Rural Development loan.
HG: Down Payment requirements
16. If you qualify you can borrow up to 100% of the appraised value.
17. That means you do not have to come up with the funds for a down payment
18. Additionally, if the appraised value comes in above the sales price, then you are allowed to finance some or all of your closing cost into your loan.
19. So essentially it is possible to become a homeowner with little or no money out of pocket.
20. If concerns about a down payment have been holding you back from exploring your options.
21. Then please give our office a call to discuss this great loan program.
22. It just may be the answer you have been looking for.
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HG Do I have to live in a Rural Area
23. Do I have to buy a home in a rural area to use this loan is a question that comes up?
24. Based on the name of the loan program you would think so. But that is not necessarily the case
25. One of the main requirements is that the property must fall within a geographical area outside the city limits of major metropolitan areas.
26. If you think this means you will be living down a long rural road with the closest neighbor a mile away, then you would be mistaken.
27. Its certainly an option, but many areas that fall under the Rural Development umbrella are actually more suburban.
28. That is good news for most of our viewing area. Most of our areas meet the geographical requirements. To include inside most of the city limits.
29. Therefore, there are minimal limitations on what house you chose.
30. To find if the house you are looking at is RD eligible give our office a call and we can let you know in a matter of minutes.
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HG: Call 662.329.9090 to connect with us today
31. If you’re looking to purchase a home, refinance to lower your rate or reduce the term,
32. consolidate debt or to get out of an adjustable-rate mortgage
33. or renovate your existing home we are experts at matching you with the mortgage that best meets your needs.
34. We look forward to speaking with you this year and helping you achieve your goals
HG: Visit www.jts-co.com Today
35. At JTS & Co., we are Home Loan Advisors located right here in your community.
36. We want to be YOUR Lifetime Mortgage Advisor.
37. You can visit our website to get prequalified today or give us a call.
HG: JTS & Co. is Local. Trusted. Experienced.
38. We are local, trusted, and experienced.
39. Thank you for joining me today and be sure to tune in next week.