Tammy Brower

Senior Mortgage Loan Officer @Bancorpsouth

As senior mortgage loan officer, I gauge loan types that best suit one\'s financial cap vs. their residential need, ranging from a vast selection of mortgage products. With the ability to lend throughout much of the United States, my expertise and focus remain primarily in the southern states, commonly referenced as our \"footprint\". Those states include: Mississippi, Alabama, Tennessee, Louisiana, Arkansas, Missouri, Florida and Texas. BancorpSouth Bank equips staff with the most efficient tools and latest technology - providing a superior ability to accommodate our customers. In combination with the most moderate of fees, BancorpSouth services the majority of our mortgage loans, proving a peak asset to customers strongly opposed to servicing released. Top Producer and Chairman\'s Circle frame my extended experience, excelled production and benign customer service through the years. Snapshot of mortgage loan products: Down Payment Assistance loans for first time home buyers Smart Solutions Mortgage BXS Right@Home (100% financing) FHA FHA 203k FHA Streamline refinances MHC DPA and Bond programs Conventional Refinances HARP refinances Home equity credit lines Construction to perm loans Investment Properties USDA - Rural Development (100% financing) VA (100% financing) VA IRRL Jumbos Portfolio, with no PMI 103% Medical Professionals, with no PMI 103% Established Physicians, with no PMI 103% Emerging Executive Professionals, with no PMIAdditional incentives: Homebuyer education Credit counseling Grant funds for low to moderate income