The Best Mortgage Lenders in Hazlehurst, MS
Compare verified mortgage lenders serving Hazlehurst, Mississippi. Find competitive rates on conventional, FHA, VA, and jumbo loans from experienced professionals.
Available Loan Programs in Hazlehurst
Featured Mortgage Lenders
loanDepot
loanDepot, LLC
loanDepot is a top-rated national mortgage lender known for its competitive rates, innovative digital platform, and exceptional customer service. With thousands of positive reviews, they offer a wide range of loan products and have a strong presence in Mississippi, serving Hazlehurst borrowers efficiently through online and phone services. Their commitment to fast processing and transparency makes them a reliable choice for home financing.
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Guaranteed Rate
Guaranteed Rate, Inc.
Guaranteed Rate is a highly reputable mortgage lender with a strong digital focus, offering competitive rates and a seamless application process. They have earned high customer satisfaction ratings for their efficiency and variety of loan options, and they actively serve borrowers in Hazlehurst and across Mississippi. Their experienced team provides personalized support, making them a trusted option for home purchases and refinances.
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New American Funding
New American Funding
New American Funding is acclaimed for its customer-centric approach, diverse loan products, and efforts to support underserved communities. With excellent ratings and a track record of reliability, they serve Hazlehurst residents through online tools and local support networks. They are known for competitive rates, educational resources, and flexible financing solutions, making them a top choice for Mississippi homeowners.
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Frequently Asked Questions
Common questions about mortgage lending in Hazlehurst, MS
What are the current average mortgage rates for homebuyers in Hazlehurst, MS?
Mortgage rates in Hazlehurst typically align with national averages but can vary slightly based on local lenders. Currently, 30-year fixed rates hover around 6.5-7%, while FHA and VA loans might offer slightly lower rates. It's best to check with local banks like Copiah Bank or regional credit unions for the most competitive Hazlehurst-specific rates.
Are there any first-time homebuyer programs specifically available in Hazlehurst?
Yes, the Mississippi Home Corporation offers the Home in 5 and Mortgage Credit Certificate programs statewide, which are accessible to Hazlehurst residents. These programs provide down payment assistance and tax credits for qualified first-time buyers. Additionally, some local lenders may offer special programs for teachers, healthcare workers, or other essential workers in Copiah County.
How does Hazlehurst's rural location affect mortgage lending options?
Hazlehurst's rural designation makes buyers eligible for USDA loans, which offer 100% financing with no down payment required. This is particularly beneficial given the area's moderate home prices. Many local lenders are experienced with USDA loans and can guide buyers through the specific property eligibility requirements for Copiah County.
What should I know about property taxes when getting a mortgage in Hazlehurst?
Copiah County property taxes are relatively low compared to national averages, currently around 0.6-0.8% of assessed value. When calculating your mortgage payment, lenders will include these taxes in your escrow account. The modest tax rates in Hazlehurst can make homeownership more affordable despite potential higher insurance costs in rural Mississippi.
Are there local down payment assistance programs for Hazlehurst homebuyers?
While Hazlehurst doesn't have city-specific programs, the Mississippi Home Corporation's down payment assistance is widely available. Some local employers, including Copiah Medical Center and the Hazlehurst City School District, may offer housing assistance to employees. Local lenders can also help connect buyers with statewide programs that work well for the Hazlehurst market.
Nearby Cities
Explore mortgage lenders in cities near Hazlehurst, MS
Why Choose a Mortgage Lender in Hazlehurst?
Local Market Knowledge
Lenders who understand Hazlehurst's housing market can offer better guidance and competitive rates.
Multiple Loan Options
Access to conventional, FHA, VA, USDA, and jumbo loans tailored to your financial situation.
Proven Track Record
Work with lenders who have years of experience and hundreds of satisfied customers in Mississippi.
Ready to Find Your Perfect Mortgage Lender?
Connect with top-rated mortgage professionals in Hazlehurst and get competitive rates on your home loan.