Mississippi buyers are looking at the Gulf Coast, the Memphis area in DeSoto County, the Jackson suburbs, and the college towns in between. If you are planning a purchase in 2027, this guide covers Gulfport, Biloxi, Southaven, Madison, and Hattiesburg, the loan types we can help you compare, and the state housing agency that may be worth a look. Shay Yates and the True North Yates Group team are a small, Springfield, Missouri based team licensed to lend in Mississippi, and we answer the phone. You can also read our Mississippi page for a quick overview.
Where buyers are looking in Mississippi
Here is a quick tour of places we hear about often. This is not a ranking and not advice about where anyone should live. It is simply a starting point for your own search.
Gulfport
A Gulf Coast city in Harrison County with a steady market and a long list of coastal neighborhoods. Flood and wind insurance are part of the conversation.
Biloxi
Home to Keesler Air Force Base and a busy coastal market, with Veteran and military buyers a regular part of the picture.
Southaven
In DeSoto County just south of Memphis, with a mix of established neighborhoods and newer subdivisions.
Madison
A Jackson area city in Madison County with newer neighborhoods and a wide range of price points.
Hattiesburg
A university town in the Pine Belt and near Camp Shelby, a large National Guard training installation.
Loan programs to know in Mississippi
Most Mississippi buyers end up choosing among a handful of loan types. We compare them side by side for your situation, with no pressure.
- Conventional loans. A flexible choice for buyers with solid credit, and often a good fit for larger purchases or second homes.
- FHA loans. Government insured loans designed with flexible credit and smaller down payments in mind, a common route for first-time buyers.
- VA loans. A benefit for eligible Veterans, service members, and some surviving spouses. Keesler Air Force Base in Biloxi and Camp Shelby near Hattiesburg give Mississippi an active military community, and VA loans come up often.
- USDA loans. Much of Mississippi outside the larger cities may be USDA eligible, so check the address on the USDA map and ask us.
- First-time buyer programs. Help from MHC, covered below.
First-time buyer help from MHC
Mississippi Home Corporation (MHC) is the state agency behind homebuyer programs in Mississippi. MHC offers homebuyer programs for eligible buyers, including Home4All, a HOME funded program with income limits and an MHC approved lender requirement. Ask us whether you may qualify.
Program details, limits, and which lenders take part are set by the agency and can change, so please check the agency's own site, MHC, for the latest. We do not want to promise anything the agency has not. What we can do is look at your situation and tell you honestly what to ask about.
A local thing worth asking about
Home4All and other MHC programs have income limits and other requirements, and some are tied to specific areas. Ask us to walk through them.
How we work with Mississippi buyers
The path is the same wherever you are buying. First comes a no pressure conversation about your goals and your budget. Next we look at loan options and, if it makes sense, get you pre-approved so your offer stands out. Once you are under contract, we keep you posted at every step, from the appraisal to the closing table, and we explain each document in plain English. If a question comes up at 9 at night, send a text.
Next steps
Not sure where to start? Start with a simple conversation. We will listen first, then map out a plan that fits your timeline. You can see where we lend on our states we serve page, read the Mississippi page, send us a note on the contact page, or start your application. Shay and the team are just a text away.
Frequently asked questions
Is Shay licensed to help with a home loan in Mississippi?
Yes. Shay Yates (NMLS 2172921) is licensed through Southwest Funding to originate loans in Mississippi. Licensing details are on our Mississippi page, and you can verify any loan officer at nmlsconsumeraccess.org.
Does Mississippi have a first-time buyer program?
Yes. Mississippi Home Corporation offers homebuyer programs through approved lenders, with income limits and other requirements. Ask us whether you may qualify.
Can I buy on the Gulf Coast with an FHA or VA loan?
Often yes. Flood zone and insurance details matter, so share the address and we will walk through what to expect.
Do I need to live in Missouri to work with you?
No. Our team works with buyers in Mississippi and other states by phone, text, and secure online tools, so you can apply and move through the process from home. Reach us any time on the contact page.
This post is general information, not financial advice or a commitment to lend. Programs and eligibility vary and are subject to credit and property approval. Talk with a loan officer about your situation.