Alabama and Mississippi Mortgage Loan

We are a unique lender in Mississippi focused on creating successful homeowners through one-on-one financial counseling and affordable, fixed-rate mortgage loans.

Start the Mortgage Process

Renaissance Community Loan Fund Home Purchase Services

Congratulations on taking your first step towards homeownership! Our Home Purchase Advisors offer credit and financial counseling to assist you in becoming mortgage ready. Our Advisors look forward to getting you on the right path to sustainable and responsible homeownership. With an Alabama or Mississippi mortgage loan from us, you’ll be in good hands.

Home Purchase Loans

Borrowers receive a fixed-rate mortgage offering stable and affordable monthly payments
FHA, Fannie Mae, VA and USDA loans are available to qualified borrowers
1-4 unit owner occupied purchase financing available
Condo purchase financing available

One-On-One Financial Counseling

The Renaissance’s HUD-certified housing counselors offer free, one-on-one financial counseling and education to help you become mortgage ready and build your financial future.

Down Payment Assistance

Renaissance Community Loan Fund offers Down Payment Assistance (DPA) to qualified borrowers. In order to qualify for DPA available through Renaissance, you will need to utilize our in-house mortgage team to process your loan. At this time we are unable to offer only DPA in partnership with another lender’s loan. DPA is subject to availability.

Start the Home Purchase Process

To begin the process of purchasing a home with Renaissance, click the applicable button below and fill out the Home Purchase Inquiry form.

If you are unable to submit this form online, please contact us at (228) 896-3386 for assistance.

Download a printable Home Purchase Intake Form

Descargue un formulario de compra de vivienda imprimible

Section 8 Home Purchase Program

In this program, your Section 8 voucher may be used toward the monthly mortgage payment after a home purchase. If you are currently in a Section 8 rental, you must be approved through Section 8 to transfer your current rental voucher to a home ownership voucher.

Smart6 Mortgage Program

The Smart6 Mortgage Program can give you the funds you need to purchase your first home or move up to your next one. As a participating lender with MS Home Corporation, Renaissance can offer competitive interest rates with $6,000 in down payment assistance as a second mortgage.

Program Features:

30-year fixed rate mortgage (rate subject to change)
FHA, VA, Rural Development and Fannie Mae/Freddie Mac loans
No liquid asset limit
$6,000 with 0% interest due upon sell

Eligibility:

Must serve as your primary residence
Household income cannot exceed $110,000
Must be a legal resident of the United States
Must be approved as buyer-ready by Renaissance’s home purchase team
Available on new or existing single-family homes, townhomes or condominiums (manufactured homes using FHA) in the State of MS.