Krystal Doty, Mortgage Loan Originator, NMLS# 2096929

07/18/2026

National lenders often rely on generalized underwriting guidelines designed to serve broad markets, which can overlook the unique pricing trends, buyer behavior, and affordability patterns within specific communities.

In contrast, local mortgage advisors understand how the Columbus, MS, housing market actually moves, how homes are priced, how buyers compete, and what long-term value looks like in the area.

Work with a local mortgage advisor who understands your market.
Visit: jts-co.com/apply-now/

07/15/2026

04/03/2026

Negotiating price is standard, but negotiating payment is strategic. Using seller concessions for rate buydowns or closing credits can impact your monthly math more than a price reduction. Let’s analyze your loan structure.

JTS & Co. NMLS 55275

04/02/2026

VA loans are a real advantage right now: they’re often priced lower than conventional, and eligible veterans can buy with $0 down.

If you’re active duty, Reserve/Guard, or a veteran, let’s run the numbers and confirm eligibility: no pressure, just clarity.

04/02/2026

Viewers Choice Awards 2026 from Home - WCBI TV | Telling Your Story

03/24/2026

Spring is officially here! While you’re clearing out the closets, it’s the perfect time to give your credit score a little "spring cleaning" to get ready for your dream home.

Your credit score is one of the most important numbers in the mortgage process. A few strategic moves now can lead to better rates and more options when you're ready to buy.

Here are three quick tips to "spruce up" your score:

🔹 Check for Errors: Grab a copy of your report and make sure everything is accurate. Even small mistakes can weigh down your score.

🔹 Dust Off Small Balances: Paying down credit card balances: especially keeping your utilization under 30%: can provide a quick boost.

🔹 Avoid "New" Projects: While it’s tempting to finance new furniture or a car during a move, wait until after your loan closes to avoid impacting your debt-to-income (DTI) ratio.

At JTS & Co., we’ve been helping neighbors navigate the numbers since 1996. Let’s run the math together and get you pre-qualified for the spring market.

Visit jts-co.com to start your Mortgage Checkup today!

JTS & Co. NMLS 55275

03/21/2026

As the 2026 spring season begins, local buyers are moving forward based on life goals rather than waiting for "perfect" interest rates. While timing is a common topic, several strategic factors are driving this surge in activity.

For most, the decision to buy is triggered by life events: a growing family, a new job, or retirement. These needs often outweigh the desire to wait for minor market shifts. With inventory remaining limited, finding the right property in a preferred neighborhood is the primary challenge. Waiting for lower rates can lead to increased competition and higher home prices, often offsetting any potential interest savings.

The focus has shifted toward long-term affordability and securing property first. If market conditions change in the future, refinancing remains a viable strategy to improve terms. By looking at the "big picture" and the math behind the move, buyers are finding they can achieve homeownership goals now while maintaining financial stability.

JTS & Co. NMLS 55275

03/20/2026

If you bought your home in 2024 or 2025, you likely remember the interest rate environment all too well. While you secured your piece of the American dream, you might have done so at a peak. 🏠

2026 is shaping up to be the year of the "Refi Rebound."

This isn't about market hype: it's about strategic financial management. For many homeowners, we are hitting the "sweet spot" where refinancing can significantly improve monthly cash flow or drastically reduce the total interest paid over the life of the loan. 📉

At JTS & Co., we’ve been navigating these cycles since 1996. We don't believe in high-pressure sales; we believe in the math. If the numbers don't provide a clear benefit to your long-term stability, we’ll tell you.

Strategic considerations for 2026:
🔹 Lowering your monthly obligation to free up capital.
🔹 Shortening your term to build equity faster.
🔹 Consolidating higher-interest debt through your home’s equity.

Ready for a "Mortgage Checkup"? Let’s look at your specific data and see if a Refi Rebound makes sense for you. Visit our website at jts-co.com to run the numbers. 💻

JTS & Co. NMLS 55275