Purchase
Helping Mississippi and Alabama Homebuyers Find the Right Mortgage
Buying a home is one of life's biggest financial decisions, and having the right mortgage professional by your side can make all the difference.
At 1st Legacy Capital, we help homebuyers throughout Mississippi and Alabama explore financing options that fit their needs. Whether you're purchasing your first home, moving into your next home, buying a vacation property, or investing in real estate, our experienced mortgage professionals are here to guide you.
As a locally owned mortgage company headquartered in Starkville, Mississippi, we offer personalized service, straightforward answers, and nearly 60 years of combined mortgage experience.
We offer Conventional, FHA, VA, and USDA home loan programs and help you understand your financing options, down payment requirements, and the steps involved in purchasing your home.
Your home. Your goals. Your legacy.
Loan Products
CONVENTIONAL - 3% - 5% Down Payment Required for Primary Residences. *Down payment requirements for Vacation or Second Homes are 10% and Investment Properties are 15%.
FHA - 3.5% Down Payment Required. For Primary Residences only.
*Allows gift funds for part or all of the down payment, from approved source.
VA - 100% Financing available to Military service persons for Primary Residences.
*A Certificate of Eligibility and / or DD214 will be required from borrower.
USDA - 100% Financing available to Buyers for Primary Residences.
*Income caps and property eligibility requirements apply.
*If you are seeking a Reverse Mortgage for Purchase or Refinance, click the button below: