Loan Programs
Matthew Huff (NMLS #2713160) is a licensed mortgage loan originator with Reliant Mortgage (NMLS #1075152) serving Laurel, Ellisville, Hattiesburg, and the Mississippi Gulf Coast. Specializing in FHA manual underwriting, USDA zero-down financing, VA loans, Conventional mortgages, and DSCR investor financing, Matthew provides tailored lending solutions and rapid pre-approvals across Mississippi.
Conventional
Flexible mortgage options designed for borrowers seeking competitive rates and customizable terms tailored to your financial goals.
FHA
Government-backed loans offering lower down payments and competitive interest rates, perfect for first-time homebuyers.
VA
Zero-down mortgage programs for active-duty military and veterans, providing access to affordable financing with no private mortgage insurance.
USDA
Low-interest loans for rural and suburban homes, helping you buy a home in a rural area with no down payment.
DSCR
Commercial real estate financing designed for property owners who want to maintain full control over their investment.
Fix & Flip
Specialized financing for investors looking to purchase a property, renovate it, and sell it for a profit.
Mississippi Loan Program Comparison Matrix
Loan Program
Min. Down Payment
Min. Credit Score
Primary Best Use
Conventional
3% – 5%
620
Primary homes, second homes, and standard investment properties.
FHA
3.5%
580 (Manual underwriting available)
First-time buyers and flexible credit guidelines.
VA
0% Down
None (Lender overlays typically 580+)
Eligible active military, veterans, and surviving spouses.
USDA
0% Down
640 preferred
Qualified rural suburban homes in eligible Mississippi zones.
DSCR
15% – 20%
620 – 660
Real estate investors qualifying on rental property cash flow.
Fix & Flip
10% – 20% of project cost
Flexible / Asset-based
Short-term acquisition and property renovation.
READY TO START?
Ready to take the next step in your homebuying journey? Fill out the form below and our team will be in touch to discuss your specific needs and available loan programs.
Mortgage FAQs
Common questions about the mortgage process in Mississippi, designed to guide you through your homebuying journey.
Who offers FHA manual underwriting for low credit scores in Laurel and Hattiesburg, MS?
Pre-approval is an evaluation by a lender that determines how much you can borrow. In Mississippi, it strengthens your offer by showing sellers you are a serious, qualified buyer.
How do DSCR loans work for short-term rental properties in Ocean Springs and the Mississippi Gulf Coast?
Down payment requirements vary: FHA loans start at 3.5%, VA and USDA loans offer 0% down for qualifying borrowers, and conventional loans can start as low as 3% for first-time buyers.
What are the USDA loan eligibility and income limits in Jones County, MS?
While higher scores generally net better rates, programs like FHA may allow scores down to 580. Conventional loans typically prefer a credit score of 620 or higher.
What documents do I need for a mortgage pre-approval in Mississippi?
A typical mortgage closing takes 30 to 45 days. We work diligently with you to ensure all documentation is handled efficiently to stay on track for your Mississippi home closing.
Can I finance a fixer-upper investment property with a low down payment?
Yes, we offer specialized programs like DSCR loans for investors, which focus on the property's potential income rather than personal income documentation.
What documents do I need for a loan?
General items include recent pay stubs, W-2 forms for the last two years, bank statements, and tax returns to verify your financial stability.
A PARTNER YOU CAN TRUST
We are dedicated to providing the Mississippi Gulf Coast with professional mortgage lending expertise. Our team at Reliant Mortgage is committed to delivering high-converting solutions tailored to your unique financial goals, ensuring a seamless and trustworthy homebuying experience.
Client Feedback and Reviews
Josh L
I had a wonderful experience working with Matthew Huff! He was on point, diligent and very helpful.
Jaiden S
Highly recommend Matthew! He was great the whole time through the process. He stayed on top of everything to make sure everything got done correctly and on time. He is always willing to help even if it’s a question he doesn’t know much about he definitely will find an answer. Thank you Matthew for all you helped me with on buying our first home. It was great to work with you!!!
Tori K
The easiest person in the industry to work with. Matt went over the top to make sure all my questions were answered and everything went smoothly.
Sven P
Matthew is an amazing person. You are able to converse and enjoy your time with him. Going through any process is approchable. He helps in every possible way and explains everything in an understandable fashion. I would recommend him to anyone that is in need of a mortgage. He is very detailed in his organization and preparation.