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Senatobia Mortgage Company

Let Us Help You With Your Mortgage Needs

Mortgage LendersWhen it is time to shop for a home mortgage, shop local. You want to find one of the top Senatobia mortgage lenders in the business. You can find that at JTS & Co. Based in the Columbus area, our licensed and trained mortgage experts are ready and waiting to answer all of your questions about buying or refinancing a home in Mississippi.

It is all about finding those affordable rates. With the mortgage options we offer, finding a low rate on a Mississippi home is just a phone call away. We offer a diverse variety of home financing programs, and there is one just perfect for your needs.

Whether you require a new mortgage or are looking to refinance your existing mortgage, it all begins with us. We handle many types of mortgages in Senatobia and make owning a home our priority for all of our customers. Whether you are a first-time homebuyer or someone purchasing another home, we make securing a mortgage with us easy, fast and stress-free.

No matter what your home buying or refinancing situation, we have a solution for you. Take a look at the products we offer.

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    Home Mortgage Loans

    Our streamlined application and approval process will have you looking at a closing date sooner than you ever thought possible. Much of the paperwork has been moved online, and there is a lot of flexibility when it comes to your dream of owning your very own home.

    Keep in mind that since the pandemic and all of the lockdowns nationwide, national mortgage rates dropped to all-time lows in 2020. Rates have still been consistently low in 2021 and now is the time to take advantage of those low-interest rates. Regardless of when you last took out a mortgage, it is in your best interest today to take a second look with one of our professional mortgage consultants. Our Senatobia mortgage company can help you to save hundreds of dollars each month with a new or refinanced mortgage.

    There are factors to keep in mind that impact mortgage rates, such as credit scores and the debt-to-income ratio. The Senatobia mortgage company that you choose to work with also plays an important role in your rate.

    That is why it is so important to talk with a lender who will show you the best loan programs for your needs, because not all mortgage loan companies are the same.

    Refinancing

    Instead of choosing to look for another home, many homeowners choose to refinance their existing mortgage. That is a good thing because it gives you the opportunity to change your loan terms to ones that are more beneficial to you. It is also a good idea to work with a reputable loan company who knows the ins and outs of mortgage refinancing.

    So, if you are in the market for refinancing, you will want to speak first with one of our team members about your current loan. When you refinance with a lower interest rate, your monthly payments will most likely be reduced. You can even extend or reduce the length of the loan terms and consolidate other loans into one if you receive a lower interest rate.

    Keep in mind there are always fees that go along with refinancing, and you are responsible for closing costs as well, but many of those costs can be added into your loan. There are many ways to approach refinancing, so be sure to talk out everything with one of our mortgage consultants.

    Reverse Mortgages

    For customers who are 62 years of age or older, there are also reverse mortgages to consider. These are a great way to supplement retirement income or pay for healthcare costs. A reverse mortgage allows you to convert some of the equity in your home into cash while you continue to own your home. Reverse mortgages operate like traditional mortgages, but rather than make payments to your lender, your lender pays you.

    You are not required to repay any principal, interest, or other fees while you live in your home. Once the homeowner moves out or the owner passes away, the loan is paid off by selling the property.

    Jumbo Loans for Senatobia Customers

    If you are interested in purchasing a luxury home for a lower interest rate, why not take advantage of our jumbo loans? You can purchase a higher-priced home at a great rate with a jumbo loan. You might have done your own research and found that other Senatobia mortgage companies do not offer jumbo loans, but we are one of the few originators who still do.

    We know you have questions about home mortgage rates or refinancing. Questions like, should you rent or buy a home? What about looking for a Senatobia commercial mortgage lender? Is this a seller’s or a buyer’s market? How much of a down payment will I need? How do I get prequalified? What if I have been turned down before?

    The questions seem endless, but we have the answers regarding the best loan programs for every homeowner. We have helped thousands of happy customers since 1996 become homeowners. That is because you can put your trust in us from start to finish.

    There is something to be said for creating an incredible, fast and streamlined mortgage process, and we should know because we created one that works perfectly for our customers. You will be amazed at how stress-free the process has become. We also have plenty of online resources for you, so you know what is going on every step of the way.

    Homeownership can be right around the corner when you partner with a Senatobia mortgage company. We offer low rates and amazing service to get you to the closing table quickly. Your best bet is to go local, and that means giving JTS & Co. a call 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.