Home Mortgage Lenders Clarksdale MS

With the money borrowed from the home mortgage lenders at banks, a home buyer can own a house without paying much money up front. See below to learn more and to gain access to home mortgage lenders in Clarksdale and information on home mortgage rates, home loans, and mortgage calculators.

Allstate Insurance Companies Independent Agent Clarksdale
(662) 624-5441
203 Sunflower Avenue
Clarksdale, MS
 
Dunbar Gloria T
(662) 624-6797
110 Yazoo Avenue
CLARKSDALE, MS
Services
Mortgage Brokers

Land Bank of North Mississippi
(662) 627-4784
2653 North State Street
CLARKSDALE, MS
Services
Mortgage Brokers

North Mississippi Business Products
(662) 621-2400
223 Sharkey Avenue Suite 104
CLARKSDALE, MS
Services
Mortgage Brokers

Delta Insurance And Transcontinental Lending
(662) 624-6688
523 Desoto Avenue
Clarksdale, MS
 
First National Bank Clarksdale
(662) 627-3261
402 East 2nd Street
CLARKSDALE, MS
Services
Mortgage Brokers

Johnson J H And Co Inc
(662) 624-6571
118 3rd Street
Clarksdale, MS
 
Hopkins Billy Insurance
(662) 627-3477
138 Sunflower Avenue
Clarksdale, MS
 
Fiser Insurance Agency Inc
(662) 627-4126
215 1st Street
Clarksdale, MS
 
Mortgage Matters Inc
(662) 624-8181
130 Desoto Avenue Suite 6
CLARKSDALE, MS
Services
Mortgage Brokers

Energy Efficient Mortgages (Part 2)

An energy efficient mortgage acknowledges that homes that are energy efficient generally cost homeowners less to maintain on a monthly basis as oppose to other standard homes. Buying a energy efficient home allows a homebuyer to be able to spend money on other items for the house because their energy bills will be reduced. Energy Efficient Mortgages (EMM) allows borrowers to take out bigger mortgages because their monthly energy expenses on a energy efficient home won’t be as expensive meaning that they will most likely be able to pay the loan off faster. With a EEM you can also take a standard home and make it energy efficient.

How can a EEM benefit a borrower?

There are several ways a borrower can benefit by taking out an EEM. Well, first the borrower’s income and the estimated energy savings are analyzed allowing the borrower to qualify for a larger mortgage loan. Also the borrower’s buying power is increased permitting the borrower to include the total cost of any energy improvements into the total mortgage loan amount. Then because of the energy improvements the house value is increased.
 

Can Your Home Qualify for A EEM?

Energy Efficient Mortgages can be used for newly constructed homes. Your home must be a single-family, a owner occupied residential , a one unit house or a condominium in order to qualify for a EEM. Before you can take out a EEM you must first have a RESNET report evaluation. The RESNET report determines your home energy efficiency in it’s current state. After a RESNET report is done then you will receive a energy home rating. A energy home rating measures your home energy efficiency. A home energy rater that’s accredited by the RESNET rating system will conduct a home inspection. They will look at things like your home heating and cooling system, window to wall ratios and insulation levels just to mention a few. Then you will receive a energy rating score between 1 to 100.
 
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