Mississippi Home Corporation’s Smart6 Mortgage Program can give you the funds you need to purchase your first home or move up to your next one. Our program offers competitive interest rates with down payment assistance as a second mortgage. Smart6 is offered through our participating lenders at a 30-year fixed rate.

Program Features:

  • 30-year fixed rate first mortgage (rate subject to change)
  • FHA insured, VA, Rural Development, and Fannie Mae/Freddie Mac Loans
  • No liquid asset limit
  • $6,000 at 0% interest with principal due upon property sale, loan repayment or loan maturity

Buyer Eligibility:

  • Must serve as your primary residence
  • Household annual income cannot exceed $110,000
  • Must be a legal resident of the United States
  • Credit score is based on servicer guidelines

Property Eligibility:

  • New or existing home located in the state of Mississippi
  • Single-family home, townhouse, or condominium
  • Manufactured homes using FHA financing

Benefits to Homebuyers:

  • Competitive interest rates quoted weekly
  • $6,000 with 0% Second Mortgage


  • $6,000 downpayment at 0% interest
  • Due-on-Sale, Refinance, Non-Owner Occupied, or 1st Mortgage Paid in Full
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