Brandon, MS Mortgage Company

We Make Securing a Mortgage in Brandon Quick and Easy

Home Mortgage Loans

When choosing a Brandon, MS mortgage broker, nothing is as important as trust. You want a lender that does exactly what it says it will do, with no last-minute surprises, unless they benefit you of course. At JTS & Co., we want to be your trusted mortgage professional in Brandon.

Whether you are looking for a brand new mortgage, refinancing your current mortgage, or want cash from your home's equity, remember that not all Brandon, MS mortgage loan companies are alike. They do not all carry the same loan opportunities or can give you the stress-free processes that we bring to the table. You could say, we make home ownership easy.

How We Determine the Right Mortgage for You in Brandon

When you contact our mortgage specialists, the very first thing we do is sit down and find out all we can about you. Determining what you do and what you need, gives us a better opportunity to serve you in today's mortgage market.

We take our commitment to you seriously because we love finding solutions when it comes to saving you money on your monthly mortgage payments. We will answer all your questions and are always here when you need to know more.

We understand how frustrating the mortgage loan process can be, and how infuriating it is when a mortgage broker is not looking out for you. That is why we want to explain everything to you before we go further.

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    A Quick Mortgage Breakdown

    When you come to JTS & Co. for a mortgage loan, you will probably have questions about which loan is best for you. We offer a wide variety of loan options, and there are different types of mortgage loans. One is sure to fit you perfectly, and we will help find it for you.

    Conventional Mortgages

    This type of mortgage loan is the most common and will buy you just about any type of property in the United States. If you are after a conventional mortgage, understand that loan borrowers should have a credit score of 620 or higher to qualify, and be able to make a down payment of at least 3% of their loan value.

    FHA Loans

    This type of loan is government-backed and is meant for men and women with more debt, less income, or a lower credit score. To qualify for an FHA loan in Brandon, MS, your credit score should be 600 or higher, and your down payment will be 3.5% with most lenders. You will also be required to pay private mortgage insurance (PMI) every month, which is included in your mortgage payment.

    VA Mortgage Loans

    VA loans are also government-backed loans, but they are for men and women who are serving, or have served, in the armed forces. Depending on which branch of the service you were in, there are certain qualifications to meet, but a VA loan allows you to buy a home with 0% down as long as your credit score is 600 or higher.

    Jumbo Loans

    If you have your heart set on that luxury property but do not know how you can buy it, speak to our mortgage experts about a jumbo loan. Many mortgage companies in Brandon have stopped carrying this type of loan, but JTS & Co. can still procure one for you.

    Refinanced Loans

    Looking into a refinanced loan or a refi is always a good idea when interest rates are low. For example, if you are currently paying a higher interest rate on your mortgage loan, you should consider refinancing at a much lower interest rate. We can get you there easily.

    Terms of Your Mortgage

    Some of the most common mortgage terms:

    • 30-Year Fixed-Rate: This means that your interest rate stays the same throughout the life of the loan. This type of fixed-rate loan is perfect for people with very predictable incomes, as your monthly payment will always stay the same.
    • 15-Year Fixed-Rate: This type of loan means you pay your mortgage payment for 15 years until it reaches maturity. There are benefits to a 15-year fixed-rate loan over a 30-year fixed-rate loan, such as lower interest rates, and less interest paid out over time. Keep in mind, however, your monthly mortgage payment will be higher, because there is less time to pay off the money you borrow.
    • 5/1 ARMs: These are adjustable-rate mortgages. They do not keep the same interest rate for the life of the loan. As market rates increase or decrease, so will your mortgage interest rate go up or down.

    How Our Mortgage Lenders Serving Brandon, MS Can Help

    • Low interest rates and fees, as you want to know right up front what you will be paying. It is always a good idea to stay local, and with our Brandon, MS mortgage company, you will be giving yourself a big advantage when you do so.
    • What type of loan do you want? Not every Brandon, MS mortgage broker carries the loan you will be looking for. At JTS & Co., you know what we offer right from the start, and there is a loan type that is right for you.
    • A streamlined process and quick closing. Today, most mortgage paperwork is handled online, which only expedites how quickly you get to closing. Say you need to be out of your house or apartment on a certain date; we can get you the loan you need in time for the perfect closing date.

    Over the years JTS & Co. has helped thousands of happy clients become homeowners, and we want to help you too. Do not be put off by speaking with aggressive salespeople or feel mired in all the paperwork. It does not have to be that way any longer. Our mortgage specialists serving the Brandon, MS area are waiting to hear from you today.

    Your Time is Valuable

    We know that you are busy with a million things, so we’re more than willing to work around your schedule. We can meet via phone or in-person – whichever you prefer and whenever it is right for you.

    Clear Communication

    Wondering where your loan currently stands? Reach out to us at any time, and we’ll provide real-time updates. From application to closing, you’ll be kept in the lending loop at each point of the process.