Meet The Michigan Home Lender Team

Our team Is Highly Experienced and Committed To Helping You Get In Your New Home

Ready to buy your home?

Let's Get Started


*Approximately 3 -5 Minutes to Complete The Form.

Ready to buy your home?

Let's Get Started


*Approximately 3 -5 Minutes to Complete The Form.

Our goal is to meet and exceed each client’s expectations, and we do that by offering unsurpassed customer service!

The Ridgeland HomeTown Lenders Mortgage Team is a team of mortgage loan officers and assistants from the Hometown Lenders, Inc. Ridgeland MS Branch serving residents of Mississippi, Alabama, Arkansas, California, Florida, Louisiana, Kentucky, Maryland, Missouri, New Mexico, Tennessee, Texas, and Virginia with home loans and mortgage products through our parent corporation, HomeTown Lenders, Inc

Here at Hometown Lenders, Inc., we believe that even in the face of rapid technological advances, old-fashioned service with a smile will never become obsolete. We do business the right way… the HomeTown Lenders way!

HomeTown Lenders, Inc. Logo | HomeTown Lenders Mortgage Team | Grand Rapids MI Mortgage Lender | Nationwide Mortgage Lender
Mortgage Loan Officer ,
NMLS 1759237
Senior Mortgage Loan Officer
NMLS 41294
Mortgage Loan Officer,
NMLS 1759237
Mortgage Loan Officer
NMLS 1739928
Operations Manager / Mortgage Loan Officer NMLS 1981538
Loan Officer Assistant

Mortgage Loan Officer
NMLS 2004171
Loan Processor and Loan Officer, NMLS 127715
Hometown Lenders Helping You Achieve Your Dreams

Contact Us TO Get Started On Your Home Loan Today!

We pride ourselves in making your home financing experience as easy and affordable as possible. Our service is second to none.
Senior Mortgage Loan Officer
NMLS 41294
Mortgage Loan Officer,
NMLS 1759237
Mortgage Loan Officer ,
NMLS 1759237
Senior Mortgage Loan Officer
NMLS 41294
Mortgage Loan Officer,
NMLS 1759237
Mortgage Loan Officer ,
NMLS 1759237
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HomeTown Lenders, Inc. Logo | HomeTown Lenders Mortgage Team | Grand Rapids MI Mortgage Lender | Nationwide Mortgage Lender

Home Loan Pre-Qualification Inquiry

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Thank you for choosing HomeTown Lenders for your home loan mortgage needs. One of our team members will contact you within the next 24 hours. In case of weekends or holidays, we will contact you the next available business day.

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Finance Me A Home!

FHA, VA, USDA Loans SPECIAL RESTRICTIONS

Special restrictions and guidelines for bad or poor credit.

All loans FHA, VA, USDA:

  1. FHA –  Minimum loan amount 200K
  2. Alternant trade lines ( utility bill, child care, insurance etc) 12 month history no late payments
  3. BK 7 Discharge over 2 years.  BK CH 13 3 years from file date
  4. Foreclosures over 3 years  
  5. Verifiable Rental history 12 months no lates (Cancel checks, money orders or by management company)
  6. 3 Months of reserves ( 3 months payments in reserves . example in bank, 401k etc)
  7. No excessive late payments in the past 12 months
  8. No Mortgage lates

On FHA with Credit scores less than 580

  • 90% LTV(Loan to Value) with 10% Down payment .

On VA with Credit scores less than 580  

  • 3.  100% LTV(Loan to Value) NO Down Payment

 On USDA with Credit scores  of 580-619

  • 100% LTV(Loan to Value) NO Down Payment

Guidelines