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Mortgage Myths

Mortgage Myths

Getting a mortgage is a very big step in life and you want to be well informed when getting one. JTS & Co. is here to debunk the common mortgage myths for you!   Myth #1: You must have a 20% down payment.   This is...

Using Your Tax Refunds Wisely

Using Your Tax Refunds Wisely

It’s the season to start planning on how to use your tax refunds! With all that cash you are getting back, what are you going to get to do with it? We have a few suggestions.   Down Payment   Saving your tax refunds...

Conventional Loans

Conventional Loans

A conventional loan is a home loan that is not a part of any government program. It is offered through private lenders and can be guaranteed by Fannie Mae or Freddie Mac. Benefits of a Conventional Loan Conventional loans do not...

Conforming Loan Limits and Why They Matter

Conforming Loan Limits and Why They Matter

Every year things seem to get more and more expensive, but thankfully, the Federal Housing Financing Agency, or FHFA, reflects that in the conforming loan limits.   Who are Fannie Mae and Freddie Mac? Fannie Mae and Freddie...

Things To Know as a First Time Home Buyer

Things To Know as a First Time Home Buyer

  Buying a home is stressful despite how many times you have done it, especially the first time. JTS & Co. Mortgage Professionals have been helping people finance their dream homes for over twenty-seven years and we can...

JTS & Co. VS National Lenders

JTS & Co. VS National Lenders

Who Is JTS & Co.?   Started in 1996, JTS & Co. Mortgage Professionals began doing various types of home loans for Mississippi, and Alabama. Our founder, Jeff Farnham, started the company with the goal of helping...

Expert Advice on USDA Loans

Expert Advice on USDA Loans

What is a USDA Loan? An USDA loan is a mortgage option that is issued by qualified lenders and guaranteed by the United States Department of Agriculture (USDA). It is the only mortgage option available to non-veterans that does...

Mortgage Market Predictions

Mortgage Market Predictions

Housing Predictions for 2022 As the we welcome the new year, there are many changes already making their way. The stress of a mortgage and homeownership will still carry into the new year, but that is where JTS & Co. comes...

FHFA Raises Upfront Fees

FHFA Raises Upfront Fees

Tiered Loan-to-Value (LTV) Ratio Increases January 5, 2022- The Federal Housing Finance Agency (FHFA) has released an announcement stating it will increase fees for certain high-balance loans and second home loans that are sold...