The USDA newsletter, December 2008 came out today and Fairway Mortgage was ranked #10 in the entire State of Mississippi for originating USDA Guaranteed Rural Housing loans!! And we accomplished that with only ONE branch and 3 originators!!!
For such a small office, this is a HUGE ACCOMPLISHMENT!! Most of the top 10 lenders have hundreds of branches/offices across the state.
For more information about the USDA Guaranteed Rural Housing loan program, please contact DOUG CAPPS at (662) 429-5100. Fairway Independent Mortgage Corporation, 224 West Commerce St, Hernando, MS is a "MS and TN Licensed Mortgage Company."
LIGHTING OF THE CHRISTMAS TREE
Date: December 06, 2008
Location: Courthouse Lawn
A new tradition for Hernando's historic downtown, the inaugural "Lighting of the Christmas Tree" on the scenic Hernando Court Square - hosted by Hernando Main Street. There will be carolers and festive music on the courthouse lawn, along with other holiday offerings. The fun begins at 6:00 pm and will run into the evening. For more information, contact the Hernando Chamber of Commerce at (662) 429-9055.
HERNANDO CHRISTMAS PARADE
Date: December 08, 2008
Location: Downtown
Celebrate the sights and sounds of Christmas as the City of Hernando hosts its annual Christmas Parade. Experience everything from marching bands and fire trucks to cars, trucks, horses and floats. Santa Clause himself will make an appearance atop a Hernando Fire Department fire ladder truck! Parade lineup begins at 5:30 pm with the parade beginning at 6:30 pm from Commerce St/ Mt. Pleasant St (west of the railroad crossing). For more information, contact the Hernando Chamber of Commerce at (662) 429-9055.
Why use USDA Guaranteed Rural Housing?
The 100% Guaranteed financing offers your clients the most affordable payment, least out of pocket costs and a competitive interest rate!
For more information about the USDA Guaranteed Rural Housing Program, contact DOUG CAPPS at (662) 429-5100. Fairway Independent Mortgage Corporation, 224 West Commerce St, Hernando, MS, a "MS and TN Licensed Mortgage Company."
All lending institutions are NOT created equal!
When you look across the lending spectrum, there are many differences that many people are not aware of.
#1 - Loan Options
Most people know very little about mortgages and even what it takes to qualify for a specific mortgage, say FHA versus VA, Conforming versus USDA.
Just because the sign says "Mortgages" or "Home Loans" or it's a local or regional Bank that offers mortgages, DO NOT think that that institution is fully capable of offering a full array of mortgage products - because many are not. Many companies are limited with their mortgage products and do not offer FHA, VA, USDA, first-time home buyer programs, 30 year fixed terms or even 100% financing options. So how many clients are missing loan opportunities???
I get phone calls all the time from clients asking, "What is your interest rate today?" What they "should" be asking is what loan programs do you have available that may be more beneficial to me. I have found too many times that LO's (loan officers/ originators) are only "order takers," and not acting like the mortgage professional many say they are. They should be looking at the client's options versus just putting them "in the box." But here's the problem.... When you don't know, then how do you know you're getting the best program? If your mortgage company or bank has limited programs, then you may be missing an opportunity that saves you money through the life of your loan.
Even worse than that is when a company has a loan program but the LO doesn't know much about other programs and doesn't offer it. Talk about a missed opportunity! I've heard of LO's not offering a program because "It's too hard" or "It takes too much time." That is really sad, because who are these LO's really looking out for? I will let you answer that question...
But the difference doesn't stop there.
#2 - Lending Guideline Differences
This is a MAJOR difference!! Just because a company can offer FHA doesn't mean that the lending requirements are the same from institution to institution. Here's a short story:
The point here is that each company IS different and just don't think that if THEY require something for a particular loan program that it's the standard across the board.
These same differences apply to many other aspects of the mortgage industry, such as:
Know your mortgage options!
It's not late - Honor a Veteran and tell them about the City of Southaven's Annual Veteran's Luncheon
In observance of Veteran's Day, Tuesday, November 11, 2008 Mayor Greg Davis and the City of Southaven will host the Annual Appreciation Luncheon in honor of military veterans. The luncheon will be held at the Arena at Southaven located at 7360 Highway 51 and will begin at 11:30 a.m.
All veterans are urged to make their reservations early. There will also be a memorabilia table set up for exhibiting pictures and awards, so bring mementos if you wish.
The luncheon is free to veterans and admission for guests will be $10.00. All branches of the service will be recognized. Please make your reservations now by calling the Mayor's Office at Southaven City Hall at 662-393-6939.
Freedom is not "free." Honor the men and women that serve and have served our nation.
#1 USDA lender in Northwest MS! Fairway Mortgage has been serving Desoto County for over 10 years and still going strong! We are part of the local community and believe in making customers for life!
Aren't these things you would like from your lender? If you are interested in working with someone who works as hard as you do, then give me call!
Fairway Mortgage is currently the #1 USDA Guaranteed Rural Housing lender in Northwest Mississippi!
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