State Guides
What brokers and loan officers should know about closings and property rules in Mississippi, and how Hancock Processing works your files there.
Mississippi is an attorney state by custom. Attorneys customarily conduct closings, and Mississippi law treats certifying title to someone else's real estate as the practice of law, so title insurance companies certify title through an agent licensed to practice law in Mississippi.
No. Mississippi is not a community property state, but Mississippi law says a deed of trust on a homestead isn't valid unless the owner's spouse signs it, when the owner is married and living with that spouse, even if the spouse isn't on title. The Mississippi Supreme Court has long held that a deed of trust securing the purchase money for a homestead is valid without the spouse's signature, so the rule mainly comes up on refinances and home equity loans.
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Mississippi
All of them. We process every loan type we offer in Mississippi, including conventional, FHA, VA, USDA, jumbo, Non-QM and DSCR loans, from Jackson and DeSoto County to Hattiesburg and the Gulf Coast.
Our processors coordinate with the closing attorney's office throughout the file.
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