If you’ve been telling yourself, “I just don’t have enough saved,” this one’s for you.
Mississippi has several programs that can help first-time buyers get to the closing table with less money out of pocket. Some even offer grants you don’t have to pay back.
Let’s break it down.
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Smart6: Offers up to 6 percent of the loan amount to cover down payment and closing costs
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MRB7: Provides competitive interest rates and may include help with closing
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Housing Assistance for Teachers: Yes, educators—you have your own program
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Mortgage Credit Certificate (MCC): Gives you a tax credit every year, which can free up more money in your monthly budget
These programs are not just for low-income buyers. If you’ve got steady income and decent credit, you may qualify.
My job is to help you stack these benefits, match you with the right lender, and make sure you don’t leave any free money on the table.
Let’s talk about how we can use these tools to help you walk into your new home with confidence.
