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Loan Programs with Matthew Huff
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.
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.
By submitting, you authorize Matthew Huff / Reliant Mortgage to contact you via phone or email regarding your inquiry. Consent is not a condition of purchase.
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?
Matthew Huff with Reliant Mortgage offers FHA manual underwriting throughout Laurel, Hattiesburg, and across all of Mississippi.
How do DSCR loans work for short-term rental properties in Ocean Springs and the Mississippi Gulf Coast?
DSCR (Debt-Service Coverage Ratio) loans allow real estate investors across all of Mississippi to qualify based entirely on the property’s cash flow rather than personal tax returns, W-2s, or employment history.
What are the USDA loan eligibility and income limits in Jones County, MS?
USDA loans offer 100% financing (zero down payment) for eligible suburban and rural properties across Jones County and throughout Mississippi.
What documents do I need for a mortgage pre-approval in Mississippi?
You will typically need a government photo ID, your most recent 30 days of pay stubs, 2 years of W-2s (or tax returns if self-employed), and 2 months of full bank statements.
Can I finance a fixer-upper investment property with a low down payment?
Yes. Fix-and-flip bridge loans allow investors to finance up to 85%–90% of purchase costs and 100% of renovations, while house-hackers can use renovation loans with as little as 3.5% down by living in one unit.
How long does a typical mortgage closing take in Mississippi?
A typical mortgage closing takes 30 to 45 days. We work proactively to clear conditions quickly and keep your closing on schedule.
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.