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.
FDIC-Insured - Backed by the full faith and credit of the U.S. Government
Mortgage
Contact Us
Conventional Loans (Fannie Mae & Freddie Mac)
Conventional loans are a great fit for borrowers with solid credit and steady income who want flexible options.
Great For:
- Purchase or refinance
- Primary residences, second homes, or investment properties
- Borrowers with larger down payments or strong credit histories
FNMA HomeReady®
Designed to help low-to-moderate income borrowers become homeowners with flexible guidelines and reduced mortgage insurance options.
Great For:
- Primary residence only
- Buyers with limited down payment funds
- Using co-borrower or household income to qualify
Freddie Mac Home Possible®
Affordable financing for first-time homebuyers and low-to-moderate income borrowers, with flexible down payment and income options.
Great For:
- Primary residence only
- Borrowers looking for low down payment options
- First-time homebuyers needing flexible qualification
FHA Government Loans
Insured by the Federal Housing Administration and designed to make homeownership more accessible.
Great For:
- Purchase or refinance
- Primary residence only
- Borrowers needing flexible credit/down payment requirements
USDA Guaranteed Loans
Helps make homeownership possible in designated rural and suburban areas, often with no down payment required.
Great For:
- Homes located in USDA-eligible areas
- Primary residence only
- Buyers looking for no down payment options
VA Home Loans
Available to eligible veterans, active-duty service members, and surviving spouses. Powerful benefits as a thank-you for your service.
Great For:
- Purchase or refinance
- No down payment for eligible veterans
- No private mortgage insurance (PMI)
Jumbo Loans
Designed for higher-priced homes that exceed conventional loan limits. Flexible financing for larger purchases.
Great For:
- Purchase or refinance on higher-value properties
- Primary residences, second homes, or investment properties
- Loan amounts above standard limits
Bank Statement Loans
Tailored for self-employed borrowers whose income may not fit traditional documentation requirements.
Great For:
- Self-employed borrowers
- Those without traditional W-2s
- Using bank statements to document income
In-House Construction
Finance the building of your new home from the ground up with local decision-making and personalized guidance.
Great For:
- Building a new primary or second home
- Custom home projects needing staged funding
- Local lender guidance
Home Equity (HELOC)
Tap into the equity in your home as a revolving line of credit. Use funds when you need them.
Great For:
- Home improvements and renovations
- Debt consolidation or major expenses
- Interest only on what you use