Contact Your Lender

Sean Little
NMLS 793146
Office: (601) 705-2422
Cell: (601) 408-1976

Michael Slay
NMLS 1834001
Office: (601) 705-2361
Cell: (601) 549-0862

Jim Smith
NMLS 793150
Office: (601) 705-2406
Cell: (601) 297-4529
Fernando Garcia
NMLS 1874655
Office: (601) 705-2381
Cell: (817) 733-0964

Custom loan programs
Grand Bank has a variety of in-house loan products that are perfectly designed to fit a large spectrum of customer needs.
• Asset Based Mortgage Program
Qualify with your assets, not income, plus tax returns are not required.  You are able to keep your assets where they are appreciating.
• Bridge Loan Mortgage Program
Utilizing the equity in your current home, you’re able to buy your new home without having to wait to sell your current home. Your new home & current home loans are combined into one loan which could save you hundreds of dollars every month.
• Cash Flow Mortgage Program
Ideal for self-employed buyers, this mortgage program requires 12 months of bank statements and no tax returns. Gift and business funds are accepted as a down payment.

• Lot loans in a platted-recorded subdivision
• Acreage loans
• Light Commercial-Purchase or refinance of real estate for business purposes.*
• Light Commercial-Multiple single-family investment properties on one loan.*

Conventional loan
This fixed-rate loan is the most common type of mortgage loan. The interest rate nor the mortgage payment amount changes during the life of the loan. A low down payment is required but multiple down payment options are available. Conventional loans are ideal for your primary residence, secondary home, or single-family investment property purchases.

This loan is designed for qualified military veterans to buy a home with no down payment.

FHA loans allow you to purchase a home with a low down payment, which can be a gift. FHA is ideal for first-time homebuyers because qualifying can be more flexible as compared to other loan programs.

Hassle-Free Construction/Permanent financing
In order to build a home, two loans must be in order. First, is permanent financing through Fannie Mae or Grand Bank in-house programs. Second, a temporary construction loan that will hold funds in a “loan in process” account and disburse accordingly as the home is completed. Construction loans are closed locally and expeditiously and no interest is charged until funds are drawn.

USDA Guaranteed Rural Housing Program
This loan requires no down payment. It has a fixed interest rate plus allows homebuyers to purchase a home at lower rates and under more favorable terms. Income and location restrictions may apply.


All loans require escrow of taxes, insurance & other assessments. All loans are subject to credit approval. Rates & underwriting guidelines are subject to change without notice.

*Considered on a case-by-case bases. Completed personal financial statement required.

**Important Information About Procedures For Opening A New Account
To help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account. What this means for you: When you open an account, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We may also ask to see your driver’s license or other identifying documents.