Conventional
As little as 3% down for qualified buyers, with mortgage insurance that drops off once you reach 20% equity.
Ask about ConventionalMemphis metro & North Mississippi
Before You Get a House, Get a Loan First
Everybody starts on the listing sites. That is backwards. Find out what you can actually borrow, and you shop knowing your number, your payment and what a seller will take seriously.
We do every loan. FHA, Conventional, USDA, VA — all of it.
- 5.0 starsAcross 122 verified client reviews
- 20+ yrsOriginating loans in this market
- 7 statesLicensed to lend
What would the payment actually be?
Move the numbers around. Nothing here is sent anywhere until you ask for it.
—estimated monthly
- Principal & interest
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- Taxes
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- Insurance
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- Mortgage insurance
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Loan amount —
Send these numbers to JasonThese numbers are approximate and are not a commitment to lend. Property tax figures are general estimates for the area, not your property's actual assessment, and taxes, insurance and mortgage insurance vary by property, county and program. This is not a loan offer, a quote, or a Loan Estimate. Your actual payment and rate depend on your credit, the property, the program and current market pricing.
We do every loan.
FHA, Conventional, USDA, VA, jumbo, refinance. Pick the one closest to your situation, or say so on the form and Jason will sort it out.
FHA
Built for buyers with thinner credit files or less saved. 3.5% down and flexible qualifying.
Ask about FHAVA
For eligible veterans and active duty: no down payment, no monthly mortgage insurance.
Ask about VAUSDA Rural
Much of DeSoto, Tipton and Fayette County qualifies. No down payment inside eligible areas.
Ask about USDA RuralJumbo
Financing above the conforming limit for higher-priced homes, with competitive fixed and adjustable terms.
Ask about JumboRefinance & cash-out
Lower the rate, drop mortgage insurance, shorten the term, or pull equity out for what it is worth doing.
Ask about Refinance & cash-outWhat his clients say
Every review below is verified by the platform that collected it, not written for this page.
Jason and his team made my home buying experience easy and worry free.
They communicate well, and kept me informed of everything I needed to do.
Jason went the extra mile to make sure our closing was seamless.
How this goes
- 1
Tell Jason the goal
Two minutes, six questions. Buying, refinancing, or still figuring it out — all fine.
- 2
Find out your number
What you can borrow, the payment that comes with it, and which program fits. In writing, so you can compare it to anyone else.
- 3
Then go shopping
You look at houses you can actually buy, and your offer carries a preapproval behind it. Nothing here obligates you to anything.
Questions people actually ask
Will asking for a quote hurt my credit?
No. Getting numbers from Jason starts with a conversation, not a credit pull. A hard inquiry only happens later, with your permission, when you decide to move toward a preapproval.
How much do I need for a down payment in the Memphis area?
Less than most buyers assume. VA and USDA can be zero down if you are eligible, FHA is 3.5%, and some conventional programs start at 3%. Much of DeSoto, Tipton and Fayette County falls inside USDA eligible areas.
What credit score do I need to buy a house?
There is no single number. FHA reaches further down than conventional, and compensating factors matter. Jason will tell you honestly where you stand and, if you are not there yet, what to fix and roughly how long it takes.
How fast can you close?
Community Mortgage underwrites locally, which is the main reason files here move faster than they do with a call center. Jason will give you a real date for your file rather than a brochure number.
Is it worth refinancing right now?
Sometimes yes, often no. The honest test is how long you plan to keep the house against what the refinance costs. Jason will run it and tell you when the answer is no.
Where are you licensed?
Tennessee, Mississippi, Alabama, Arkansas, Florida, Georgia and Kentucky.
Get your numbers
Six questions. Jason answers personally, usually the same day.
Thanks — that is on its way to Jason. He will reach out shortly with your numbers.