Down Payment Help
Help with loan costs
Saving for a down payment can be one of the biggest obstacles to making your dream of home ownership come true.
Home Loans With 100% Financing1
Dream Easy Home Loan
Welcome to our 100% Dream Easy Home Loan™ – where owning your dream home in Forrest or Lamar County, MS is now within reach! Say goodbye to the hurdles of down payments, income limits, and mortgage insurance. Find Out More!
VA
This is a fixed-rate loan designed for qualified military veterans to buy a home with no down payment. VA loans offer competitive low interest rates, limited closing costs and no need for private mortgage insurance (PMI) which helps you save money every month.
USDA
Contact Shakita or Sara to Get Started:
Shakita Lofton
Loan Originator
NMLS #1294824
Phone: (601) 475-2805
Book a call with me
*Email: shakita.lofton@grand.bank
Down Payment and Closing Cost Assistance Options:2
Up to $20,000
In Down Payment &/or Closing Costs Assistance
The Homebuyer Equity Leverage Partnership (HELP) Down Payment Assistance Grant assists income-qualified, first-time home buyers with up to $20,000 down payment and/or closing costs assistance. These funds are provided in partnership with the Federal Home Loan Bank in Dallas. HELP funds are available until the funds are exhausted or until they expire, whichever comes first. Please contact us for current funds available. Income and other restrictions apply.
Up to $10,000
In Down Payment & Closing Costs Assistance
Available through the MS Home Corporation, several loan and down payment assistance programs are available to purchase a home within the state of Mississippi. These programs range from $6,000 to $10,000. Income, property, and other restrictions may apply.
Voted Best Mortgage Division Two Years in a Row!
Two more reasons to choose us for your home loan.
We’ve been recognized for making homebuying easier, faster, and more personal. With our award-winning team, you’ll get expert guidance and local support — every step of the way.
Financial Guidance
Have questions? Learn the basics about buying a home.
Making a Down Payment
All About Escrow Accounts
Benefits for Veterans
*For your protection, do not email personal information such as social security or account numbers. If you need to include this information, please call us at the phone numbers listed above. By providing your email you consent to receive business communications regarding your inquiry from Grand.bank®.
1) 100% financing available for qualified borrowers. Example as of 1.30.26: 30-year fixed-rate loan, APR 5.75%–7.50%. Rates vary by credit profile and loan program and are subject to change without notice.
2) For primary residence home buyers, purchase or Construction-to-Permanent financing. Fixed-rate loans only. All loans subject to standard underwriting and ability-to-repay approval. Loans may require escrow of taxes, insurance, and other assessments. Income and location restrictions may apply. Contact a Grand.bank® home lender for current details.
Important Information About Procedures for Opening a New Account or Establishing a New Customer Relationship:
The USA PATRIOT Act is a federal law that helps the government fight the funding of terrorism and money laundering activities. Federal law requires all U.S. financial institutions to obtain, verify and record information that identifies each person who opens an account or establishes a customer relationship with Grand Bank for Savings, FSB. What this means for you: When you open a bank account, we will ask you for your name, address, date of birth, and other information that will allow us to reasonably identify you. We may also ask to see and/or photocopy your driver’s license or other identifying documents at any time.