Doug Capps

Hi Wayne, we're located in the North part of MS, but we are licensed for the entire State. If you are interested in looking at your potential mortgage options, then please email me or give me a call.

Hi Brittany, There are certain situations where you can get a loan approval "less than" two years, but a two year history is preferred. With being commissioned, you would need to provide tax returns for the past two years showing your income and any expenses you wrote off (un-reimbursed expenses). If you have any questions or would like to talk more about this, then please give me a call or send me an email.

Hi Bobby! As a lender, I'm going to tell you the first thing you should do is talk to a local, reputable lender. During the home buying process, it is important to start with the lender so you can determine a few things: (#1) Can you qualify for a loan (#2) What kind of loan program could you qualify for (#3) How much could you purchase. To many first-time homebuyers the mortgage process is quite an eye-opener and most are not prepared for detailed process. Working with a good lender can help, they will walk you through the process from start-to-finish. Personally I feel that the more you know about the mortgage process, the less stressfull you'll be. Because let me tell you, purchasing a home can be very stressful. Escpecially if you're working with a bank or lender that fails to communicate with you. Once you get pre-approved... you should know what your purchasing power is and what your mortgage options are. From that point, (as with the lender) you will need to find a good Realtor that will help you find the right house and help you through that part of this process. If you have any further questions regarding getting pre-approved or just general mortgage questions, please give me a call or email. Happy New Year!