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Best Mortgage Brokers in Jackson

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Affordable Lending Group logo

Affordable Lending Group

589 Northpark Drive, Ridgeland, MS 39157
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  • Refinance

Affordable Lending Group is a mortgage banker that offers a wide range of home loan options in Jackson. It provides adjustable-rate and fixed-rate mortgages, refinancing, veteran affairs, conventional, and renovation FHA 203K loans. Affordable Lending Group has over 20 years of experience in the industry. As a local company, it has direct access to underwriters, enabling it to close loans faster than global banks in farther locations. It strives to fulfill its goal of finding the mortgage solution to fit every client's situation.

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Bo Smith Team logo

Bo Smith Team

1000 Highland Colony Parkway, Ridgeland, MS 39157
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  • New Construction
  • Refinance

Bo Smith Team is a mortgage brokers' firm that provides a wide array of lending options to the Jackson metro. The firm is led by Walter "Bo" Smith, who has been in the industry since 1994 and lends his experience in handling energy efficient mortgages (EEMs) and FHA 203(k) renovation loans to the company. Bo Smith Team provides conventional and jumbo loans, FHA loans, down payment assistance, VA loans, renovation loans, and various refinancing options.

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Fidelity Mortgage LLC logo

Fidelity Mortgage LLC

436 Katherine Drive, Flowood, MS 39232
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  • Reverse Mortgages

Fidelity Mortgage LLC is a local mortgage company that provides fixed-rate and adjustable-rate home mortgage services to individuals and businesses surrounding the Jacksonville metro. It offers conventional, refinance, jumbo, and government-insured loans that include USDA, VA, and FHA. Headed by its owner, Ryan Engel, its team of loan professionals simplifies the loan process and properly informs its clients about the mortgage product they chose. Its proximity to the community allows it to personally meet its clients, which leads to better transparency.

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MS Lending logo

MS Lending

681 Towne Center Boulevard, Ridgeland, MS 39157
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  • Refinance

MS Lending is a mortgage brokerage serving Jackson and nearby areas. It assists clients who are looking to purchase or refinance a home by comparing mortgage rates and identifying the type of loan they need. A wide range of loan programs is available, including FHA, USDA, HARP, jumbo, and adjustable-rate. Moreover, the company specializes in helping veteran mortgage borrowers through Vetted VA. Its owner, Michelle Dugan, has been featured in different publications, such as the National Mortgage Professional Magazine and the Mississippi Business Journal.

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Planet Home Lending logo

Planet Home Lending

115 Laurel Park Cove, Flowood, MS 39232
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  • Refinance
  • Purchase Transactions

Planet Home Lending has been recognized as one of the Top 30 Companies in Mortgage and Servicing by MReport, a mortgage banking publication. The company has an office in Flowood that caters to the mortgage needs of Jackson clients. Planet Home Lending helps find loan programs for customers across the credit spectrum, whether they are first-time borrowers, seasoned homebuyers, or individuals seeking to refinance. It offers various loan options, including conventional mortgages, jumbo home loans, FHA loans, USDA rural housing loans, and VA loans.

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Frequently Asked Questions

Q: Do mortgage brokers need to be licensed?

A: Yes, all mortgage brokers need to be licensed. Individuals need to complete a 20-hour class that goes over state and federal laws for mortgages and other important information. Next, individuals take the official test with the National Mortgage Licensure System.

Q: Is it difficult to pass the mortgage brokers’ test?

A: Upon completion of educational requirements, you must pass the mortgage broker test to receive your license. It's a two-part test called the Safe Mortgage Loan Originator Exam, and it can be a bit challenging. Out of almost 87,600 national test-takers, 57% passed on their first attempt. The test includes both a state and national portion and requires a minimum score of 75% to pass.

Q: What is a surety bond for mortgage brokers?

A: A surety bond is a legal contract that binds three parties — the obligee, the principal, and the surety. Surety bonds are typically required to receive a license for operating as a mortgage broker. When a mortgage broker gets a surety bond, it's a legal guarantee they'll perform their obligations to their customers as required by law.

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