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  • HOME | jts-co.com

    Your Lifetime Mortgage Advisor Choose an option below Free Consultation FREE soft credit check Pre-Qualification Complete application Mortgage Calculator Presumed payment Click for more Click for more Click for more Welcome to Mortgage Minute! Play Video Facebook Twitter Pinterest Tumblr Copy Link Link Copied Search video... Now Playing JTS MORTGAGE MINUTE 7 28 2020 Housing Update | Builder's Confidence | Housing Market Index 02:47 Play Video Now Playing JTS FOR 07 21 20 Housing Market Update 02:27 Play Video Now Playing JTS MM for 7 14 2020 Homes are Selling Their Fastest 02:43 Play Video Now Playing JTS MM 7 7 2020 When It's Acceptable to use Cash or Cash Deposits 02:40 Play Video

  • STEPS TO REFINACE | jts-co.com

    STEPS TO REFINANCE REFINANCING FOR YOU AND YOUR FAMILY 1. Your CREDIT score is perhaps the largest factor that will determine what rate you get on your new loan. Make sure your credit is in order when refinancing. Finally, simply click the Pre-Qualify button below to get started! Pre-Qualify! 3. Have all of your required DOCUMENTS . Such needed documents include, but are not limited to , proof of employment, income and assets. Some examples of these items are pay stubs, tax returns, bank statements, etc. Whether you're scanning, faxing or uploading your documents, it is important to get all your information in as soon as possible. Verifying each needed document may take some time. Therefore, having all documents ready at once lessen your wait time. could possibly 2. Your home will have to undergo an appraisal for us to know its VALUE . That number will help determine how much you can borrow.

  • REFINANCE | jts-co.com

    REFINANCE WHAT DOES IT MEAN TO REFINANCE JTS & Co. offers refinance options to customers throughout Mississippi and Alabama. We are located in Columbus, MS. Contact us today for a free consultation . Refinancing is the process of obtaining a new mortgage in an effort to reduce or eliminate mortgage insurance, lower your interest rate or monthly payment, take cash out of your home for renovation or debt consolidation. You could also possibly shorten the term of your loan. Most people refinance when they have equity in their home. Equity is the difference between the amount owed to the mortgage company and the value of your home. REASONS TO REFINANCE 1. Lower Payments or Shorten Loan Term ​ Refinancing may help you lower your interest rate, lower your monthly payment or shorten your loan term. ​ If you plan on living in your home for the next several years refinancing may be an option for you. In the long run, the cost of a mortgage refinance will be paid for by the monthly savings gained. , it is important to calculate a break-even point if you are opting to refinance. However PRE-QUALIFY PRE-QUALIFY 2. Fixed Mortgage from an Adjustable Rate Mortgage. Rate An Adjustable Rate Mortgage ( is a home loan with an interest rate that can change periodically. This means that the monthly payments can go up or down. ARM) A Fixed Rate Mortgage ( ) has the same interest rate for the life of loan. In other words, your principle and interest won't change. FRM ​ A is the popular choice of mortgages because it offers predictability and stability for your mortgage. FRM ​ ​ 3. Eliminates Private Mortgage Insurance (PMI)​ ​ Low or zero down payment options can allow buyers to purchase a home with less than 20 percent down. Certain loan options require private mortgage insurance. PMI is designed to protect lenders from borrowers with a loan default risk. As the balance on a home decreases, and the value of the home itself increases, borrowers may be able to cancel their PMI with a mortgage refinance when you reach 78 to 80 percent Loan To Value ( LTV ) . PRE-QUALIFY 4. Cash Out A Portion Of The Home's Equity Generally, most homes will increase in value, and are therefore a great resource for extra income. Put some of that cash to good use. Purchase a vacation property, buy a new car, pay your child's tuition, perform home improvements, pay off credit card debts or take a much needed vacation.

  • MORTGAGE CALCULATOR | jts-co.com

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  • NEEDED DOCUMENTS | jts-co.com

    Copies of pay stubs for each applicant, reflecting a minimum of 30 days of income ​ Names/addresses of employers for the last two years ​ W-2s for the past two years Bank statements from previous two months If self-employed last two years Federal Tax returns Proof of pension income, if applicable Social Security and Disability Income, if applicable Child support or alimony income (optional for you to disclose) Information on debts such as car loans, student loans and credit cards Security accounts (stocks, bonds, life insurance) NEEDED DOCUMENTS What do I need?

  • STEPS WHEN LOAN IS DUE | jts-co.com

    When Loans Are Due What Do I Do When My Loan Is Due? What Do I Do When My Loan Is Due? Click the link below or above to find out more. Loans Due? You can pay off your HECM in full at anytime—or you can wait until you reach a Maturity Event. This guide will help you prepare for when a Maturity Event occurs and the loan has to be repaid.

  • UPLOAD DOCUMENTS | jts-co.com

    Upload... FILE UPLOAD HERE

  • CLOSING COSTS | jts-co.com

    Closing Costs ​ This process is called "the closing" because the title to the property is transferred to the buyer. Closing costs can be paid by either the buyer or the seller, subject to the limitation of the type of the loan: FHA , Conventional, VA or USDA . Closing costs include items such as appraisal and credit report fees, attorney fees, and origination costs. *Closing costs are fees paid at the closing of a real estate transaction. What are closing costs? Pre-Qualify

  • MORTGAGE CALCULATOR | jts-co.com

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  • LOANS | jts-co.com

    LOAN TYPES Click the button above to pre-qualify. or Click each picture for loan information HOMESTYLE RENOVATION CONVENTIONAL Pre-Qualify FHA USDA VA

JTS & Co Mortgage Professional NMLS #55275 |                               

 

4158 Hwy. 45 North, Columbus, Ms 39705 |                                       | Fax: 662.329.9020

Office: 662.329.9090

"A Mississippi Licensed Mortgage Company" 
"An Alabama Licensed Mortgage Company" 
"These materials are not from HUD or FHA and were not approved by HUD or a Government Agency"

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