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Chris Dickerson Mortgage Lender

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Biloxi, MS
Chris Dickerson Mortgage Lender

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Chris's NMLS # 1718822 Offering VA, FHA, USDA & Conventional loans, plus Down Payment Assistance (DPA) and Non-QM options like DSCR loans. NMLS 891464

Fast closings & expert guidance for Gulf Coast homebuyers. The Rubicon Mortgage Group Powered By Edge Home Finance Team is your premier mortgage team located in Biloxi, Mississippi. We pride ourselves on offering some of the most competitive rates nationwide and make the loan process simple, straightforward and fast for borrowers seeking a mortgage in the Biloxi area. Whether you are first time home buyer, purchasing your dream home, refinancing an outstanding loan, or consolidating debt, the highly experienced team of mortgage brokers here can help you take that first step toward a financial solution.

11/03/2026

🚨🏡 **REALTOR TOOLBOX TUESDAY!**

**YOUR BUYER IS APPROVED… BUT IS THE HOUSE?** 🤯

REALTORS® — LET'S TALK ABOUT SOMETHING THAT CAN DERAIL AN OTHERWISE GREAT TRANSACTION!

We spend a lot of time making sure buyers are financially qualified.

Credit? ✅
Income? ✅
Assets? ✅
Preapproval? ✅

**BUT HERE'S SOMETHING WE CAN'T OVERLOOK…**

**THE PROPERTY HAS TO MEET THE LOAN PROGRAM'S REQUIREMENTS, TOO!**

And sometimes the problems aren't discovered until the appraisal or underwriting process is already underway.

🏡 **HERE ARE FIVE THINGS WORTH PAYING ATTENTION TO BEFORE YOUR BUYER MAKES AN OFFER!**

🔴 **1. ROOF CONDITION**

An aging roof isn't automatically a deal-breaker.

But visible damage, active leaks, or significant deterioration can create appraisal, insurance, or underwriting issues.

And here on the Mississippi Gulf Coast, INSURABILITY is a major consideration!

🔴 **2. PEELING PAINT & PROPERTY CONDITION**

FHA and VA appraisals have property-condition requirements.

Peeling paint, exposed wiring, safety hazards, and other deficiencies may require repairs before closing.

That doesn't mean every cosmetic issue is a problem!

**CONDITION AND SAFETY MATTER MORE THAN APPEARANCE.**

🔴 **3. CONDOS & PROJECT ELIGIBILITY**

Just because a buyer qualifies for a conventional, FHA, or VA mortgage doesn't mean every condominium project qualifies for that financing.

Project insurance, financial health, litigation, and other requirements can affect eligibility.

**CHECK THE CONDO PROJECT EARLY!**

🔴 **4. FLOOD ZONES & INSURANCE**

A home may look affordable based on its asking price.

But required flood insurance and homeowners insurance can change the total monthly payment significantly.

**GET INSURANCE ESTIMATES BEFORE THE BUYER FALLS IN LOVE WITH THE HOUSE!**

🔴 **5. PROPERTY TYPE & UNUSUAL FEATURES**

Manufactured homes, mixed-use properties, significant acreage, and properties with unusual layouts can require specialized financing guidelines.

That doesn't automatically mean they can't be financed.

**IT MEANS WE NEED TO MATCH THE PROPERTY WITH THE RIGHT LOAN PROGRAM!**

💥 **HERE'S THE BIG TAKEAWAY!**

**A STRONG PREAPPROVAL DOESN'T GUARANTEE THAT EVERY PROPERTY WILL QUALIFY!**

And this is exactly why communication between the Realtor, mortgage broker, insurance agent, and other professionals matters.

🎯 **MY CHALLENGE TO REALTORS THIS TUESDAY:**

Before writing an offer on a property that raises questions, PICK UP THE PHONE!

Let's talk through the potential financing issues BEFORE they become closing delays.

As a mortgage broker with access to multiple lenders and loan programs, I can help explore alternatives when a property doesn't fit a particular lender's guidelines.

**DON'T JUST QUALIFY THE BUYER. UNDERSTAND THE PROPERTY!**

💪 **MORE SOLUTIONS. STRONGER CLOSINGS.**

📲 Have a listing or a buyer considering a property with unusual features or potential financing challenges?

Let's talk BEFORE the contract is signed!

**Chris Dickerson | Mortgage Broker**
Rubicon Mortgage Group | Powered by Edge Home Finance

📞 (228) 297-7772
🌐 QuickCloseChris.com

*Property eligibility, appraisal standards, repair requirements, condominium approval, and insurance requirements vary by loan program and lender. Financing is subject to underwriting and property approval.*

11/03/2026

🚨🏡 **MORTGAGE MARKET UPDATE | TUESDAY, NOVEMBER 3, 2026** 📉

**ARE MORTGAGE RATES FINALLY FINDING SOME STABILITY?** 👀

After weeks of market volatility, the mortgage market is showing signs of stabilization. But before buyers start celebrating or waiting for another big drop, there's something important to understand!

**Mortgage rates don't move based solely on what the Federal Reserve does.**

They respond to the **bond market, inflation, employment reports, and investor expectations.**

📊 **LET'S LOOK AT THE NUMBERS!**

The latest available national mortgage rate benchmarks show:

🏠 **Conventional 30-Year Fixed:** 7.27%
🏠 **FHA 30-Year Fixed:** 6.91%
🇺🇸 **VA 30-Year Fixed:** 6.92%

These are November 2 national market averages, not today's individual lender quotes.

Freddie Mac's latest weekly survey reported a **7.24% average** for the 30-year fixed mortgage.

📉 **SO WHAT'S MOVING THE MARKET?**

🔴 **THE JOB MARKET:** Employment data is a major driver of bond market activity. Signs of a cooling economy can create opportunities for better mortgage pricing.

🔴 **INFLATION:** Investors continue watching inflation closely. Sustained improvement could help support lower mortgage rates over time.

🔴 **THE FEDERAL RESERVE:** It's not just what the Fed does today. It's what investors believe the Fed will do tomorrow that can move mortgage rates!

🔴 **MORTGAGE-BACKED SECURITIES:** When mortgage bond prices improve, mortgage rates often benefit. When bond prices decline, mortgage pricing can worsen.

💡 **REALTORS® — HERE'S YOUR TUESDAY TOOLBOX TIP!**

When your buyer says:

💬 *"I think we're going to wait until rates come down."*

Here's a better conversation to have:

**WHAT EXACTLY ARE WE WAITING FOR?**

A lower interest rate?

A lower monthly payment?

A more affordable home?

Because those three things aren't necessarily the same!

🌊 **HERE ON THE MISSISSIPPI GULF COAST, THERE'S ANOTHER HUGE FACTOR!**

**HOMEOWNERS INSURANCE, FLOOD INSURANCE, AND PROPERTY TAXES!**

A buyer might save $75 per month from a lower interest rate but discover that taxes and insurance have increased their payment by $150.

That's why I believe every buyer deserves to see the **TOTAL MONTHLY PAYMENT**, not just an advertised interest rate.

🎯 **MY CHALLENGE TO REALTORS THIS WEEK:**

**STOP SELLING THE RATE. START EDUCATING ABOUT THE PAYMENT!**

Show your clients what buying today looks like.

Show them what waiting could look like.

Explain the risks AND opportunities of both decisions.

Then let them make an educated choice!

🏡 **BUYERS — YOU DON'T HAVE TO PREDICT THE MARKET TO MAKE A SMART MOVE.**

You just need the right information, the right financing strategy, and a mortgage professional willing to explain the numbers.

📲 **Let's run YOUR numbers and see what makes sense!**

🏔️ **Chris Dickerson | Mortgage Broker**
**Rubicon Mortgage Group**
Powered by Edge Home Finance

📞 (228) 977-7772
🌐 QuickCloseChris.com
NMLS #891464

📊 *Market update: November 3, 2026. Rate benchmarks reflect the latest available national surveys as of November 2 and Freddie Mac's latest weekly report. Actual rates and APRs vary based on credit, loan program, down payment, points, and market conditions.*

11/03/2026

🚨🔥 **THE COUNTDOWN IS ON! REALTOR® SAFETY DAY IS JUST 2 DAYS AWAY!** 🔥🚨

**15 SPOTS. 15 REAL ESTATE PROFESSIONALS. ONE IMPORTANT MISSION.**

💥 **WE ARE OFFICIALLY FULL! ALL 15 SPOTS HAVE BEEN CLAIMED!** 💥

This Thursday, we're bringing together 15 real estate professionals who have made the decision to invest something incredibly valuable in themselves — **the knowledge, skills, and confidence to better protect themselves!**

Think about it...

🏡 You meet strangers at vacant properties.

🚪 You walk into unfamiliar homes.

🚗 You sometimes work alone in isolated locations.

🤝 Your job requires you to trust people you've just met.

**But how often do we actually train for the unexpected?**

That's what Thursday is all about!

We're going beyond the typical safety conversation with classroom education, situational awareness, real-world scenarios, and hands-on range training led by **Deep South Security & Training!**

🎯 Participants will also have the opportunity to earn their certificate to apply for their Mississippi Enhanced Concealed Carry Permit upon successful completion.

📅 **THURSDAY, NOVEMBER 5**

⏰ **9:00 AM**

📍 **Pilger Title Co.**
9307 Old Lorraine Rd., Gulfport, MS

👏 **NONE OF THIS WOULD BE POSSIBLE WITHOUT OUR INCREDIBLE SPONSORS!**

⭐ Rubicon Mortgage Group | Powered by Edge Home Finance
Chris Dickerson Mortgage Lender
Chris Dickerson

⭐ OakTrust Insurance Group
Julie Lott

⭐ Pilger Title Co.
Taylor Pilger McKinney

And a huge thank-you to Deep South Security & Training for sharing their expertise!

Because of these businesses stepping up, **all 15 participants are attending at NO COST!**

🔥 **TO OUR 15 REGISTERED PARTICIPANTS: ARE YOU READY?!**

Drop a 🔥 in the comments if you're joining us Thursday!

And to everyone following along, stay tuned! We'll be sharing highlights from what promises to be an incredible day.

**REAL ESTATE IS YOUR PASSION. YOUR SAFETY IS OUR PRIORITY.**

11/03/2026

Hey Biloxi homeowners! Taking care of your home isn't just about comfort; it's also about maintaining that special place and all the good it brings. Here are a few simple tips to help keep your home in great shape.

Regular maintenance is key. Think about those little things like checking for leaks, cleaning gutters, and making sure your HVAC system is running smoothly. A little proactive care can go a long way.

Another idea is to focus on curb appeal. Simple landscaping updates or a fresh coat of paint on your front door can make a big difference. And don't forget about energy efficiency – updating insulation or sealing drafts can be a smart move.

Chris Dickerson, NMLS #1718822 | Rubicon Mortgage Group Powered By Edge Home Finance, NMLS #891464

11/03/2026

Being a homeowner is such a rewarding experience, and there are so many ways to keep your home happy and healthy over the years. Thinking about ways to protect and grow your home's worth can be really beneficial.

Regular maintenance is key – things like checking your roof, cleaning gutters, and servicing your HVAC system can prevent bigger issues down the road. Small updates, like a fresh coat of paint or improving your curb appeal with some landscaping, can also make a big difference. It's all about enjoying your space and making smart choices for its future!

Chris Dickerson, NMLS #1718822 | Rubicon Mortgage Group Powered By Edge Home Finance, NMLS #891464

11/03/2026

Hey everyone! Let's clear up a common myth I hear a lot: that you need perfect credit to buy a home. The truth is, your credit score is just one piece of the puzzle, and it doesn't have to be flawless to get a mortgage.

There are many loan programs designed to help people with a range of credit histories achieve homeownership. If you're wondering what's possible for you, let's chat. I'm here to guide you through your options and help you understand the path to buying a home here in Biloxi.

Chris Dickerson, NMLS #1718822 | Rubicon Mortgage Group Powered By Edge Home Finance, NMLS #891464

11/02/2026

🇺🇸 **MEET CHRIS DICKERSON — MORE THAN JUST YOUR MORTGAGE GUY!** 🏡🔥

**Firefighter. Shipbuilder. Quality Management Professional. Credit Repair Expert. Mortgage Broker. Second Amendment Advocate.**

If there's one thing my life experiences have taught me, it's that **hard work, integrity, attention to detail, and helping others never go out of style.**

For those of you who know me only as the guy helping people buy homes, I thought I'd share a little about the man behind **Rubicon Mortgage Group, Powered by Edge Home Finance.**

🚒 **FROM THE FIREHOUSE TO THE CLOSING TABLE**

Before I ever helped someone secure a mortgage, I spent time as a **firefighter**.

That experience helped shape who I am today. When someone needs help, you show up. When things get difficult, you don't quit. And when people are counting on you, you find a way to get the job done.

⚓ **BLUE-COLLAR ROOTS. QUALITY-DRIVEN MINDSET.**

My career also took me into the shipbuilding industry, where I learned firsthand the value of hard work, teamwork, precision, and accountability.

But one of the most influential chapters of my professional life was the time I spent working in **Quality Management at the shipyard**.

In shipbuilding, attention to detail isn't optional. Small mistakes can create enormous problems, and overlooking something today can lead to costly consequences tomorrow.

Quality Management taught me to look beyond the surface, ask the right questions, identify potential problems before they become major issues, and never assume something is correct simply because someone says it is.

**Inspect what you expect. Verify the details. Hold yourself accountable for the results.**

That mindset follows me into mortgage lending every single day.

When I'm reviewing a borrower's financial picture, evaluating loan options, questioning underwriting conditions, or working through a complicated transaction, I'm applying many of those same principles.

**Because in mortgages, just like shipbuilding, the details matter.**

A missed detail can mean the difference between a smooth closing and an unnecessary delay. My goal is to anticipate those challenges, not simply react to them.

💳 **UNDERSTANDING CREDIT BEFORE UNDERSTANDING MORTGAGES**

My background as a **credit repair expert** gave me a unique perspective on the financial challenges people face.

I learned that sometimes people don't need to hear "NO." They need someone willing to explain the "WHY" and help them develop a plan to get to "YES."

That philosophy is a huge part of how I approach mortgage lending today.

🏡 **WHY RUBICON MORTGAGE GROUP?**

Because I believe people deserve more than someone who simply quotes an interest rate.

They deserve someone who listens, educates, strategizes, pays attention to the details, and fights to find solutions.

As a mortgage broker, I have the ability to explore multiple lending options instead of trying to fit every borrower into one lender's box.

Whether you're a first-time homebuyer, veteran, investor, or someone who's been told your situation is too complicated, **I want to be the person in your corner looking for a way forward.**

🇺🇸 **FAITH IN FREEDOM. PASSION FOR PERSONAL PROTECTION.**

Outside of mortgages, I'm a passionate supporter of the **Second Amendment**, responsible fi***rm ownership, and the right to personal protection.

To me, protecting yourself and those you love comes with a responsibility to pursue education, training, safety, and preparedness.

I believe strongly in empowering others with the knowledge, skills, and confidence to take responsibility for their own safety.

🤝 **A HEART FOR SERVICE**

Whether it was serving my community as a firefighter, helping someone rebuild their credit, educating people about personal safety, or guiding a family through the mortgage process, there's a common thread throughout my life:

**I genuinely enjoy helping people.**

There's something incredibly rewarding about knowing you made a difference in someone's life.

Sometimes that's helping someone achieve homeownership. Sometimes it's helping them overcome an obstacle. And sometimes it's simply being the person who answers the phone when they need help.

❤️ **WHEN I'M NOT MAKING MORTGAGES HAPPEN...**

There's a whole lot more to life than interest rates, underwriting conditions, and closing disclosures!

When I'm not helping someone navigate the mortgage process, you'll probably find me:

⛪ **Serving at Mosaic Church in Ocean Springs**, where faith, community, and helping others are an important part of my life.

❤️ **Spending time with my girlfriend and her two awesome kiddos**, making memories and enjoying the moments that matter most.

🐾 **Taking my French Bulldog, Rubi, for a Pup Cup at Scooter's Coffee**, or heading out for a long walk around the neighborhood. Let's just say Rubi has a pretty good life!

🎯 **At Gulf Coast R***e & Pistol Club**, enjoying time on the range shooting pistols and ARs, sharpening my skills, and continuing my passion for responsible fi***rm ownership and personal protection.

Whether it's serving at church, spending time with the people I love, spoiling Rubi, or enjoying a day at the range, I believe life is about more than what you do for a living.

**It's about the people you love, the values you stand for, and the difference you make along the way.**

💪 **THE BOTTOM LINE**

I've worn a lot of hats throughout my life, but every chapter has helped shape the person and mortgage professional I am today.

🚒 **Firefighting taught me to serve under pressure.**

⚓ **Shipbuilding taught me the value of hard work and teamwork.**

🔍 **Quality Management taught me that details, precision, and accountability matter.**

💳 **Credit Repair taught me to look for solutions instead of accepting obstacles.**

🏡 **Mortgage Lending allows me to bring all those experiences together to help others achieve their goals.**

I'm proud of my blue-collar background, passionate about our freedoms, committed to serving others, and grateful for every family, friend, Realtor®, and client who puts their trust in me.

**I'm not just here to close loans. I'm here to build relationships, solve problems, protect my clients' interests, and make a difference.**

And if we haven't met yet, I look forward to changing that!

🇺🇸 **Chris Dickerson**
**Rubicon Mortgage Group**
*Powered by Edge Home Finance*

🌐 QuickCloseChris.com

**Real Experience. Real Solutions. Real Relationships.**

11/02/2026

🇺🇸🏡 **MORTGAGE MYTH MONDAY!**

🚨 **MYTH: "YOU CAN ONLY HAVE ONE VA HOME LOAN AT A TIME!"**

💥 **FACT: YOU MAY BE ABLE TO HAVE TWO VA LOANS AT THE SAME TIME!**

VETERANS, ACTIVE-DUTY SERVICE MEMBERS & REALTORS® — THIS ONE IS WORTH KNOWING!

One of the biggest misconceptions about VA financing is that once you've used your VA benefit, you can't use it again until you've sold your home or paid off the mortgage.

**THAT'S SIMPLY NOT ALWAYS TRUE!**

🇺🇸 **LET'S TALK ABOUT REMAINING VA ENTITLEMENT!**

Your VA home loan benefit isn't necessarily a one-and-done opportunity.

Depending on how much entitlement is already being used, you may have enough remaining entitlement to purchase another primary residence while keeping your current home and its VA mortgage.

🏡 **HERE'S AN EXAMPLE:**

A veteran purchases a home using VA financing.

A few years later, life changes.

Maybe they're relocating for work.

Maybe their family has grown.

Maybe they're moving to a different part of the country.

Instead of selling the first home, they decide to keep it.

**CAN THEY USE VA FINANCING AGAIN?**

✅ **POSSIBLY!**

If they have sufficient remaining VA entitlement, meet occupancy requirements, and qualify under the lender's guidelines, they may be eligible for another VA-backed mortgage.

🔥 **THAT MEANS TWO HOMES. TWO VA LOANS. AT THE SAME TIME!**

And here's something else worth discussing:

The original property may potentially become a rental when the veteran legitimately moves into the new home as their primary residence.

**BUT THERE'S AN IMPORTANT DISTINCTION!**

VA loans are intended for eligible owner-occupied housing.

You cannot simply use VA financing to purchase a vacation home or an investment property.

The NEW property must meet VA occupancy requirements, and the borrower must qualify for both mortgage obligations under applicable guidelines.

💥 **WHY DOES THIS MATTER TO REALTORS?**

Because a veteran who already has a VA mortgage may assume they have to sell their existing home before purchasing another.

**THAT ASSUMPTION COULD CAUSE THEM TO OVERLOOK A FINANCING OPTION!**

Before telling a veteran they need to sell, let's review:

🇺🇸 Their Certificate of Eligibility

🏡 How much VA entitlement is currently charged

💰 Their available remaining entitlement

📋 Their income, liabilities, and qualifying requirements

📍 Their plans to occupy the new property

🎯 **MY CHALLENGE TO REALTORS THIS MONDAY:**

**DON'T ASSUME A VETERAN HAS USED UP THEIR VA BENEFIT JUST BECAUSE THEY ALREADY HAVE A VA LOAN!**

Let's evaluate their options before making that decision.

As a mortgage broker, I can help eligible veterans explore their VA financing opportunities and determine whether a second VA loan may be possible.

🇺🇸 **YOU EARNED THE BENEFIT. LET'S MAKE SURE YOU UNDERSTAND HOW TO USE IT!**

📲 Already have a VA mortgage and thinking about purchasing another home?

Let's review your entitlement and run the numbers!

**Chris Dickerson | Mortgage Broker**
Rubicon Mortgage Group | Powered by Edge Home Finance

📞 (228) 297-7772
🌐 QuickCloseChris.com

*VA financing is subject to eligibility, available entitlement, occupancy requirements, residual income, credit, and lender underwriting guidelines. Remaining entitlement may affect required down payment. Rental income from a departing residence is subject to applicable qualifying rules. Not all borrowers qualify for simultaneous VA loans.*

10/31/2026

Happy Halloween, Biloxi! 🎃 I hope you all have a spooktacular day filled with fun and treats. Stay safe out there!

It's always a treat to help folks navigate their home loan journey. If you're thinking about a new home, I'm here to chat.

Chris Dickerson, NMLS #1718822 | Rubicon Mortgage Group Powered By Edge Home Finance, NMLS #891464

10/31/2026

Happy Halloween, Biloxi! 🎃 I hope you're all enjoying a spooky and safe day, whether you're trick-or-treating or just handing out candy. It's one of my favorite times of year.

Enjoy the festivities and all the fun today!
Chris Dickerson, NMLS #1718822 | Rubicon Mortgage Group Powered By Edge Home Finance, NMLS #891464

Address

Services Available In:
Biloxi, MS
39532

Opening Hours

Monday	8am - 4pm
Tuesday	8am - 4pm
Wednesday	8am - 4pm
Thursday	8am - 4pm
Friday	8am - 4pm
Saturday	8am - 4pm
Sunday	8am - 4pm

Telephone

+12282977772

Website

https://www.quickclosechris.com/

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