NMHL Mortgage Lending
Mortgage Lender in Greenville, MS
Local expertise and competitive rates for Greenville homebuyers.
Greenville, Mississippi's housing market is experiencing a resurgence, with the median home price hovering around $143,000 according to recent data. As a borrower looking to capitalize on this trend, you'll want to partner with a lender who understands the local nuances. National Mortgage Home Loans (NMHL) is committed to helping Greenville residents achieve their homeownership goals, whether you're a first-time buyer or a seasoned homeowner.
With a population of 28,164, Greenville offers a unique blend of small-town charm and economic opportunity. As you navigate the local real estate market, NMHL is here to provide expert guidance on mortgage options tailored to your needs. From FHA and VA loans to conventional and jumbo mortgages, we offer a range of programs designed to help you succeed.
At NMHL, we understand that every borrower's situation is unique. That's why we offer personalized service and competitive rates to help you achieve your goals. Whether you're looking to purchase a historic home in the downtown area or a new construction in one of Greenville's many subdivisions, we'll work with you to find the right mortgage solution.
Greenville Housing Market Overview
Explore mortgage options in Greenville, MS with NMHL. Our local expertise helps you navigate the Greenville real estate market with competitive rates and personalized service.
See What You Qualify For
Takes about 5 minutes. No obligation. No credit check until you are ready.
Your Local Mortgage Partner
We understand the local market dynamics that affect your home purchase. Our team provides personalized loan options based on local property values and regulations.
Available Loan Programs in Greenville
Explore mortgage options tailored to Greenville homebuyers
First Time Home Buyer Mortgages
Special loan programs helping newcomers purchase their first home with favorable terms and support.
Learn MoreRefi-Shield
Learn MoreAdjustable-Rate Mortgage (ARM)
Financial flexibility and optimal rates with an Adjustable-Rate Mortgage – Your key to a dynamic homeownership journey
Learn MoreHigh-Value Appraisal Program
Learn MoreInterest Only Mortgages
Interest-only mortgages allow borrowers to pay only the interest for a set period, reducing initial monthly payments.
Learn MoreHome Equity Loans
Access the equity in your home with a fixed-rate home equity loan. Get a lump sum with predictable monthly payments for ...
Learn MoreFHA Loans
Federal Housing Administration (FHA) loans are government-backed mortgages designed to help first-time homebuyers and th...
Learn MoreFixed-Rate Mortgage
Lock in your interest rate for the life of the loan with a fixed-rate mortgage. Predictable monthly payments make budget...
Learn MoreBridge Loans
Bridge the gap between buying your new home and selling your current one. Short-term financing that gives you the flexib...
Learn MoreVA Loans
VA loans are a benefit earned by veterans, active-duty service members, and eligible surviving spouses. Backed by the De...
Learn MoreConventional Loans
Conventional loans are not backed by government agencies and typically offer the most flexibility for qualified borrower...
Learn MoreITIN Loans
Purchase a home using your Individual Taxpayer Identification Number (ITIN) without a Social Security Number. NMHL is co...
Learn MoreJumbo Loans
Jumbo loans exceed conforming loan limits and are designed for luxury properties and homes in high-cost areas. With comp...
Learn MoreDSCR Investment Loans
Debt Service Coverage Ratio (DSCR) loans qualify based on rental income rather than personal income. Perfect for real es...
Learn MoreBank Statement Loans
Bank statement loans are designed for self-employed borrowers and business owners who have difficulty documenting income...
Learn MoreReverse Mortgages
For homeowners 62 and older, reverse mortgages allow you to access your home equity without monthly payments. Stay in yo...
Learn MoreUSDA Mortgages
USDA Rural Development loans help moderate-income buyers purchase homes in eligible rural and suburban areas. With no do...
Learn MoreHeloc
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Exploring Greenville's Neighborhoods
Greenville is home to a diverse range of neighborhoods, each with its own unique character. From the historic homes in the downtown area to the newer subdivisions on the outskirts of town, there's something for every taste and budget. Some popular neighborhoods include the Heights, Lake City, and Winterville. NMHL can help you understand the local real estate market and find the right mortgage solution for your neighborhood of choice.
- The Heights: Known for its historic homes and tree-lined streets
- Lake City: A popular area for families, with several top-rated schools
- Winterville: A charming neighborhood with a mix of old and new homes
NMHL's local expertise can help you navigate Greenville's neighborhoods and find the best mortgage options for your needs.
Mortgage Options for Underserved Borrowers
At NMHL, we're committed to helping underserved borrowers achieve their homeownership goals. We offer a range of mortgage programs designed to help borrowers with bad credit, self-employed individuals, and veterans. Our mortgage options include FHA, VA, USDA, and conventional loans, as well as specialty programs for borrowers with unique needs.
For example, our VA loan program offers competitive rates and no down payment requirements for eligible veterans. Our Bad Credit Mortgage Program considers alternative credit scoring models and offers more lenient credit score thresholds. We'll work with you to identify the best mortgage solution for your situation.
NMHL is dedicated to helping underserved borrowers in Greenville achieve their homeownership dreams.
First-Time Homebuyer Programs in Mississippi
Mississippi offers several first-time homebuyer programs designed to help residents achieve their homeownership goals. The Mississippi Home Corporation (MHC) Mortgage Revenue Bond Program offers competitive rates and lower mortgage insurance premiums. The MHC Down Payment Assistance Program provides up to 4% of the purchase price in assistance.
NMHL can help you navigate these programs and determine which ones you may be eligible for. Our First-Time Homebuyer Program also offers competitive rates and reduced mortgage insurance premiums. We'll work with you to identify the best mortgage solution for your needs.
NMHL can help you explore first-time homebuyer programs in Mississippi and find the best mortgage options for your situation.
Understanding Property Taxes in Greenville
As a homeowner in Greenville, you'll need to factor property taxes into your mortgage planning. The average effective property tax rate in Greenville is 0.72%, which is slightly higher than the national average. Homeowners in Greenville can expect to pay around $1,029 in annual property taxes on a median-valued home.
NMHL can help you understand how property taxes will impact your mortgage payments and overall cost of homeownership. We'll work with you to factor these costs into your mortgage planning and ensure you're prepared for the responsibilities of homeownership.
NMHL can help you understand the impact of property taxes on your mortgage payments and overall cost of homeownership.
Frequently Asked Questions
The average effective property tax rate in Greenville is 0.72%, which is slightly higher than the national average. Homeowners in Greenville can expect to pay around $1,029 in annual property taxes on a median-valued home. NMHL can help you factor these costs into your mortgage planning.
Greenville is served by the Greenville Public School District, which includes several highly-rated schools. Homebuyers in Greenville often prioritize proximity to top-rated schools, which can impact home values. NMHL can help you understand how school district boundaries may affect your mortgage options and long-term investment.
Mississippi offers several first-time homebuyer programs, including the Mississippi Home Corporation (MHC) Mortgage Revenue Bond Program and the MHC Down Payment Assistance Program. NMHL can help you navigate these options and determine which programs you may be eligible for. Additionally, our First-Time Homebuyer Program offers competitive rates and reduced mortgage insurance premiums.
While bad credit can present challenges, NMHL offers mortgage options for borrowers with less-than-perfect credit. Our Bad Credit Mortgage Program considers alternative credit scoring models and offers more lenient credit score thresholds. We'll work with you to identify the best mortgage solution for your situation.
Greenville borrowers may be eligible for down payment assistance programs, including the Mississippi Home Corporation's Down Payment Assistance Program, which offers up to 4% of the purchase price in assistance. NMHL also offers our own Down Payment Assistance Program, which can provide up to 3.5% of the purchase price in assistance. We'll help you explore these options and determine which ones you qualify for.
Getting pre-approved for a mortgage with NMHL is easy. Simply contact us to schedule a consultation, and we'll guide you through the pre-approval process. We'll review your credit report, income, and other factors to determine your mortgage eligibility and provide a pre-approval letter to help you shop for your dream home.
Related Resources
Ready to Buy in Greenville?
Let NMHL help you navigate the Greenville housing market with expert guidance and competitive rates.