THE FHA IN MISSISSIPPI

FHA loans have been helping Mississippi residents since 1934 

 

A licensed Mississippi FHA Lender can offer you a better loan including:

Low down payments (if any)

24 Hour Pre-Approval

Low closing costs

Easier credit qualifying

48 hour Streamline Refinancing

 

Mississippi First Time Home Buyer Loan

This FHA loan program was created to help increase homeownership. The FHA program makes buying a home easier and less expensive than any other types of real estate mortgage home loan programs.

Buy a home in Mississippi with  help from a Family Member

When buying a home, almost every lender will want to know where your down payment came from. If someone in your family is helping you with that down payment, it is called a Gift of Equity, a special FHA loan program.

Mississippi FHA Refinance to a Lower Rate

Lowering your monthly mortgage payment is easier than ever as mortgage interest rates continue to set new record lows almost every week for more than two month.  

Mississippi FHA Debt Consolidation

An FHA Debt Consolidation Loan can change your life, and we can connect you to an FHA Home Lending expert to talk over your financial situation so you are not left to figure out everything completely on your own.  

 

Mississippi FHA Home Loan

How it works:

 

√    Determine the type of FHA Government Loan that best fits your needs.

 

√       Complete an easy 2 minute application form.

 

√    We will forward your application to one and only one  FHA Approved Lender who can best help you based upon:

 

  • The type of loan you requested

  • Your down-payment (if purchase loan)

  • The location (State) your property is located

  • Your credit history

  • The best rate available for your loan

 

√    An FHA Loan Specialist will respond within 1 business day. They will explain what type of loan you are approved for, and the options available to you. 

 

√    Immediately that same day, the FHA Lender will overnight your pre-approval letter to you.

 

√    Review with no obligations your FHA Loan Pre-approval and locked rate. 

 

Note- It is very important that you keep this letter. It is your official pre-approval on bank letterhead with your 'locked rate', and if purchasing a house, it is equally important that you present this letter to the real estate agent to confirm your pre-qualification status.              

Mississippi FHA Lending Limits 2022

 

County Name Single Duplex 3 Unit 4 Unit
ADAMS $275,665 $352,950 $426,625 $530,150
   NATCHEZ, MS-LA
ALCORN $275,665 $352,950 $426,625 $530,150
   CORINTH, MS
AMITE $275,665 $352,950 $426,625 $530,150
   MCCOMB, MS
ATTALA $275,665 $352,950 $426,625 $530,150
   NON-METRO
BENTON $275,665 $352,950 $426,625 $530,150
   MEMPHIS, TN-MS-AR
BOLIVAR $275,665 $352,950 $426,625 $530,150
   CLEVELAND, MS
CALHOUN $275,665 $352,950 $426,625 $530,150
CARROLL $275,665 $352,950 $426,625 $530,150
   GREENWOOD, MS
CHICKASAW $275,665 $352,950 $426,625 $530,150
CHOCTAW $275,665 $352,950 $426,625 $530,150
CLAIBORNE $275,665 $352,950 $426,625 $530,150
   VICKSBURG, MS
CLARKE $275,665 $352,950 $426,625 $530,150
   MERIDIAN, MS
CLAY $275,665 $352,950 $426,625 $530,150
COAHOMA $275,665 $352,950 $426,625 $530,150
   CLARKSDALE, MS
COPIAH $281,750 $360,700 $436,000 $541,800
   JACKSON, MS
COVINGTON $275,665 $352,950 $426,625 $530,150
DESOTO $275,665 $352,950 $426,625 $530,150
   MEMPHIS, TN-MS-AR
FORREST $275,665 $352,950 $426,625 $530,150
   HATTIESBURG, MS
FRANKLIN $275,665 $352,950 $426,625 $530,150
GEORGE $275,665 $352,950 $426,625 $530,150
   NON-METRO
GREENE $275,665 $352,950 $426,625 $530,150
GRENADA $275,665 $352,950 $426,625 $530,150
   GRENADA, MS
HANCOCK $275,665 $352,950 $426,625 $530,150
   GULFPORT-BILOXI-PASCAGOULA, MS
HARRISON $275,665 $352,950 $426,625 $530,150
   GULFPORT-BILOXI-PASCAGOULA, MS
HINDS $281,750 $360,700 $436,000 $541,800
   JACKSON, MS
HOLMES $275,665 $352,950 $426,625 $530,150
HUMPHREYS $275,665 $352,950 $426,625 $530,150
   NON-METRO
ISSAQUENA $275,665 $352,950 $426,625 $530,150
ITAWAMBA $275,665 $352,950 $426,625 $530,150
   TUPELO, MS
JACKSON $275,665 $352,950 $426,625 $530,150
   GULFPORT-BILOXI-PASCAGOULA, MS
JASPER $275,665 $352,950 $426,625 $530,150
   LAUREL, MS
JEFFERSON $275,665 $352,950 $426,625 $530,150
JEFFERSON DAVIS $275,665 $352,950 $426,625 $530,150
JONES $275,665 $352,950 $426,625 $530,150
   LAUREL, MS
KEMPER $275,665 $352,950 $426,625 $530,150
   MERIDIAN, MS
LAFAYETTE $275,665 $352,950 $426,625 $530,150
   OXFORD, MS
LAMAR $275,665 $352,950 $426,625 $530,150
   HATTIESBURG, MS
LAUDERDALE $275,665 $352,950 $426,625 $530,150
   MERIDIAN, MS
LAWRENCE $275,665 $352,950 $426,625 $530,150
LEAKE $275,665 $352,950 $426,625 $530,150
LEE $275,665 $352,950 $426,625 $530,150
   TUPELO, MS
LEFLORE $275,665 $352,950 $426,625 $530,150
   GREENWOOD, MS
LINCOLN $275,665 $352,950 $426,625 $530,150
   BROOKHAVEN, MS
LOWNDES $275,665 $352,950 $426,625 $530,150
   COLUMBUS, MS
MADISON $281,750 $360,700 $436,000 $541,800
   JACKSON, MS
MARION $275,665 $352,950 $426,625 $530,150
MARSHALL $275,665 $352,950 $426,625 $530,150
   MEMPHIS, TN-MS-AR
MONROE $275,665 $352,950 $426,625 $530,150
MONTGOMERY $275,665 $352,950 $426,625 $530,150
NESHOBA $275,665 $352,950 $426,625 $530,150
NEWTON $275,665 $352,950 $426,625 $530,150
   NON-METRO
NOXUBEE $275,665 $352,950 $426,625 $530,150
OKTIBBEHA $275,665 $352,950 $426,625 $530,150
   STARKVILLE, MS
PANOLA $275,665 $352,950 $426,625 $530,150
PEARL RIVER $275,665 $352,950 $426,625 $530,150
   PICAYUNE, MS
PERRY $275,665 $352,950 $426,625 $530,150
   HATTIESBURG, MS
PIKE $275,665 $352,950 $426,625 $530,150
   MCCOMB, MS
PONTOTOC $275,665 $352,950 $426,625 $530,150
   TUPELO, MS
PRENTISS $275,665 $352,950 $426,625 $530,150
   NON-METRO
QUITMAN $275,665 $352,950 $426,625 $530,150
RANKIN $281,750 $360,700 $436,000 $541,800
   JACKSON, MS
SCOTT $275,665 $352,950 $426,625 $530,150
SHARKEY $275,665 $352,950 $426,625 $530,150
SIMPSON $281,750 $360,700 $436,000 $541,800
   JACKSON, MS
SMITH $275,665 $352,950 $426,625 $530,150
STONE $275,665 $352,950 $426,625 $530,150
SUNFLOWER $275,665 $352,950 $426,625 $530,150
   INDIANOLA, MS
TALLAHATCHIE $275,665 $352,950 $426,625 $530,150
TATE $275,665 $352,950 $426,625 $530,150
   MEMPHIS, TN-MS-AR
TIPPAH $275,665 $352,950 $426,625 $530,150
TISHOMINGO $275,665 $352,950 $426,625 $530,150
TUNICA $275,665 $352,950 $426,625 $530,150
   MEMPHIS, TN-MS-AR
UNION $275,665 $352,950 $426,625 $530,150
WALTHALL $275,665 $352,950 $426,625 $530,150
WARREN $275,665 $352,950 $426,625 $530,150
   VICKSBURG, MS
WASHINGTON $275,665 $352,950 $426,625 $530,150
   GREENVILLE, MS
WAYNE $275,665 $352,950 $426,625 $530,150
WEBSTER $275,665 $352,950 $426,625 $530,150
WILKINSON $275,665 $352,950 $426,625 $530,150
WINSTON $275,665 $352,950 $426,625 $530,150
YALOBUSHA $275,665 $352,950 $426,625 $530,150
YAZOO $281,750 $360,700 $436,000 $541,800
   JACKSON, MS