As a community bank, one of our greatest pleasures is helping individuals and families finance a home. We understand that a home is a significant investment, and we also know the process can be a bit overwhelming if left to navigate it alone. At Copiah Bank, we want to be a partner that walks through the entire process - start to finish – with you.

Conventional Mortgages

A conventional mortgage is typically fixed in rate and is not insured or guaranteed by the government. These mortgages are great for anyone who is able to make at least a 5% down payment (although it is still possible to get a conventional mortgage without this). One primary advantage to a conventional mortgage is that you can get a low interest rate with this type of mortgage.

FHA, VA and USDA Rural Housing Loans

We like to offer several options when it comes to types of loans to make sure we have something that fits everyone.  Many people looking in home ownership give up when they think they have to be prepared to make a significant down payment. We like to point out that USDA Rural Housing and VA mortgage loans require no down payment, and an FHA loan requires a low down payment.

Application Process

To start the application process, please complete the pre-qualifying questionaire located here.  Once complete, please contact Beth Neal .  When meeting with  our Mortgage Department, please bring the following:

  • Paystubs covering 30 days
  • W2's for the last two years
  • If self-employed, bring the last two years tax returns
  • Copy of Driver's license
  • 2 months bank statements (including all pages)