Your Complete
Greater Jackson Home Buying Team
Hartley finds the home. James closes the loan. A Multi-Million Dollar Producer and a loan officer who's closed across Mississippi — working together so you get to the closing table.
✓ Soft pull only — won't impact your credit score
Hartley Sent You Here
For a Reason.
Find Out What You Qualify For — Free
Hartley works with buyers who are serious about getting to the closing table. The first step is always the same — a free call with James to find out exactly where you stand. Soft pull only. No credit impact. Takes 15 minutes.
Apply Now — Free & Soft Pull OnlyOr call James directly — 📞 (448) 777-2126
What's My Monthly Payment?
Plug in a home price and see an estimated monthly payment. Try $0 down — many Central Mississippi properties qualify for USDA financing.
Hartley Always Tells Her Buyers
Call Your Lender First.
Seven years and millions in closed transactions taught Hartley one thing — buyers who call their lender first close. Buyers who don't, lose deals, get disappointed, or find out too late they needed a different program.
A pre-approval letter shows sellers you're serious and financially ready. In the Jackson market, Hartley's relationships plus your pre-approval is a powerful combination.
Knowing your exact budget means Hartley shows you homes you can actually close on. Her education background means she walks you through every step — no surprises.
James averages 28 days from contract to close. Hartley and James have active contracts together right now. They know how to keep files moving.
VA $0 down. USDA $0 down. FHA 3.5%. Many Greater Jackson and Central Mississippi buyers qualify for more than they realize. One call finds out.
Every Buyer Has a Path.
Let's Find Yours.
For veterans and active military. Zero down, no PMI, reusable for life. Mississippi's veteran community deserves the full benefit.
Learn More → $0 Down · Rural Areas100% financing for eligible areas. Many communities in Rankin, Simpson, and surrounding counties qualify.
Learn More → 3.5% Down · 580+ ScoreMost popular first-time buyer program. Manual underwrites available for complex credit files.
Learn More → Buy + RenovateBuy a fixer-upper and finance up to $75K in repairs in one loan. James closed his own 203K in 53 days.
Learn More → 3% Down · Fannie MaeHomeReady and Home One starting at 3% down. No income cap on Home One for first-time buyers.
Learn More → Land + HomeManufactured home and land in one loan. A popular option across Central Mississippi communities.
Learn More →Questions Hartley's
Buyers Ask Every Day
How much do I need for a down payment?
What credit score do I need to buy a home?
Will applying hurt my credit score?
How long does the mortgage process take?
What areas does Hartley cover?
Can I buy if I'm self-employed or on commission?
What if I was told I don't qualify?
What makes Hartley different from other agents?
Two Professionals.
One Goal — Your Mississippi Keys.
Hartley and James have closed transactions together in Mississippi. They have two active contracts right now. When you work with this team — you're in experienced hands.
Multi-Million Dollar Producer with 7+ years in the Greater Jackson market. Hartley holds a Bachelor's in Education from Mississippi State — and she brings that same commitment to teaching to every buyer she works with. She covers 6 counties across Central Mississippi and uses skillful negotiation to get win-win deals for every client. She's left James a 5-star review — and they have two active contracts together right now.
James built his early career in Mississippi and has been closing loans here for years. He specializes in VA, FHA, USDA, 203K, manual underwrites, and complex income files. Featured on Louisiana First News as a trusted mortgage expert. 28-day average close. Licensed in Mississippi and 8 other states.
Serving Greater Jackson Metro & Surrounding Counties
Hartley Havard and James Hair serve buyers throughout Rankin, Madison, Hinds, Scott, Simpson, and Smith County — including Pearl, Brandon, Flowood, Richland, Madison, Ridgeland, Canton, Jackson, Byram, Clinton, Florence, and surrounding communities.
