Your Complete
Central Mississippi Home Buying Team
Linda finds the home. James closes the loan. 32 years of local expertise in Magee and Central Mississippi — combined with the financing options most buyers don't know exist.
✓ Soft pull only — won't impact your credit score
Linda Sent You Here
For a Reason.
Find Out What You Qualify For — Free
Linda works with buyers who are serious. Most buyers in Central Mississippi qualify for USDA $0 down — but they don't know it until they call. James will find out exactly what program fits your situation in one free soft-pull consultation.
Apply Now — Free & Soft Pull OnlyOr call James directly — 📞 (448) 777-2126
USDA Loans —
$0 Down in Central Mississippi
Most of the areas Linda covers in Simpson, Smith, Rankin, Hinds, and Copiah County qualify for USDA financing — 100% financing with no down payment. This is the most underutilized loan program in rural Mississippi. Linda knows which properties qualify. James knows how to close them.
100% financing. Most areas in and around Magee, Mendenhall, Raleigh, and surrounding communities qualify. No down payment required.
USDA mortgage insurance is lower than FHA — meaning a smaller monthly payment on the same home price. More house for your money.
USDA covers far more of Central Mississippi than most buyers realize. Linda knows which listings are USDA-eligible before you ever schedule a showing.
James has closed USDA loans in Mississippi. He knows the program, the timeline, and what it takes to get buyers to the closing table on $0 down.
What's My Monthly Payment?
Plug in a home price to see an estimated monthly payment. Try $0 down (USDA) and see how affordable Central Mississippi can be.
Every Mississippi Buyer Has a Path.
Let's Find Yours.
100% financing. Most of the areas Linda covers in Central Mississippi are USDA-eligible. The most underused program in the state.
Learn More → $0 Down · No PMIFor veterans and active military. Zero down, no PMI, reusable for life. Mississippi has a strong military community.
Learn More → 3.5% Down · 580+ ScoreMost popular first-time buyer program. Manual underwrites available for buyers with complex credit histories.
Learn More → Buy + RenovateBuy a fixer-upper and finance repairs in one loan. Perfect for older Mississippi homes that need updating.
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 in rural Mississippi communities.
Learn More →Questions Linda's
Mississippi Buyers Ask Every Day
Do I need a down payment to buy a home in Central Mississippi?
What areas does USDA cover near Magee?
What credit score do I need?
Will applying hurt my credit?
How long has Linda been selling real estate in Magee?
Can I buy land and a mobile home together?
What if I was told I don't qualify?
Two Professionals.
One Goal — Your Mississippi Keys.
32 years of local real estate knowledge. A loan officer who's closed in Mississippi. Together — you have the best team in Central Mississippi working for you.
With 32 years of experience in Central Mississippi real estate, Linda Curlee is the most knowledgeable agent in the Magee market. She covers Simpson, Smith, Rankin, Hinds, and Copiah County — listed in both the Central Mississippi and Hattiesburg MLS systems. When you need someone who knows every road, every neighborhood, and every listing in this market, you call Linda.
James grew up in Louisiana and built his early career in Mississippi — he knows this market personally. He specializes in USDA, VA, FHA, 203K, and manual underwrites. The programs that work in rural Central Mississippi are the programs James has closed. Licensed in Mississippi and 8 other states. 28-day average close.
Serving Magee, Simpson County & Central Mississippi
Linda Curlee and James Hair serve buyers throughout Simpson, Smith, Rankin, Hinds, and Copiah County — including Magee, Mendenhall, Raleigh, Bay Springs, Forest, Brandon, Flowood, Jackson, Hazlehurst, and surrounding communities. Listed in both Central Mississippi and Hattiesburg MLS systems.
