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We believe in making customers for life and we STRONGLY believe in customer service. We are not your average mortgage lender.

  • Purchase or Refinance
  • Fast Approvals and we can typically CLOSE loans in less than 30 days!
  • Constant communication throughout the mortgage process
  • Offering VA, FHA, USDA Rural Housing and Conventional loans
  • First-time homebuyer programs available
  • Construction loans
  • Condo financing (warrantable only)
  • Jumbo loans
  • In-house mortgage loans

Designations:

  • MMS - Military Mortgage Specialist
  • CLO - Certified Loan Officer
  • CRMS - Certified Residential Mortgage Specialist
  • CMHS - Certified Military Housing Specialist
  • FICO Pro - Certified FICO Professional
  • MRMS - Mississippi Residential Mortgage Specialist
  • Lending Integrity of Approval
  • NMLS ID #68160

Make sure you're getting the BEST mortgage - Know your mortgage options!

Guaranty Bank and Trust Company, 2600 Panola St, Hernando, MS 38632. An Equal Housing Lender. NMLS ID # 405570. Please visit us at www.gbtonline.com.


On October 18, 2012, USDA announced some new guideline changes regarding "Outbuildings and Property Eligibility" that you should be aware of."New Things You Should Know About USDA" (1) Site and Building Requirements - a. Farm...
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With the 100% USDA rural housing loans, there will be an adjustment to the USDA eligibility maps effective 10/01/2012 nationwide. The effective date will be based upon fully executed sales contracts (signed by both buyer and...
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New and Improved USDA Refinance Pilot Program is available for the following States: AL, AZ, CA, FL, GA, IL, IN, KY, MI, MS, NV, NJ, NM, NC, OH, OR, RI, SC and TN. A few days ago interest rates hit the lowest level in...
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Have an existing FHA mortgage? With the LOW interest rates that we are seeing today, many homeowners who used FHA financing to purchase their home are having difficulties refinancing because of the increase in the FHA Monthly...
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Did you ever wonder if a loan officer is actually licensed or not? The NMLS or "Nationwide Mortgage Licensing System & Registry" offers a free service for consumers to confirm that the mortgage company or mortgage...
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Per FHA Mortgagee Letter 2012-3, FHA will be adopting a few more changes effective 04/01/2012. One of the changes is regarding collection accounts. This could impact many borrower's ability to qualify or possibly delay a...
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Mortgages backed by the Federal Housing Administration are about to get a bit more expensive. In its announcement, the FHA said it would increase its annual mortgage insurance premium by 0.10 of a percentage point for loans...
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Effective today, the NEW household income limits for the USDA Guaranteed Rural Housing loan (100% loan) are as follows: 1-4 person household: $74,750.00 (increased from $74,050.00) 5-8 person household: $98,760.00 (increased...
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