Gum Tree Mortgage Oxford

Gum Tree Mortgage Oxford We offer mortgage programs for building, buying, or refinancing residential property. NMLS 91139, 70653

Gum Tree Mortgage can assist clients from all credit grades and secures mortgage loans across the entire state of Mississippi and Montana.

We're proud to share that Gum Tree Mortgage has once again been ranked the #1 USDA lender in the state of Mississippi —...
06/10/2026

We're proud to share that Gum Tree Mortgage has once again been ranked the #1 USDA lender in the state of Mississippi — as recognized by the USDA itself. 🏆

But this award doesn't belong to us.

It belongs to every client who trusted us with their dream of homeownership. The families who didn't know if they qualified. The buyers who thought rural homeownership was out of reach. The people who came to us with a dream and left with a plan — and then a home.

The USDA loan program exists to make homeownership more accessible for buyers in rural and suburban communities, and we take that mission seriously. No down payment. Competitive rates. A path to homeownership that a lot of people don't even know is available to them.

Being ranked #1 in Mississippi by volume just means more families found that path through us. And that's something we'll never take lightly. 💚

Comment USDA if you want to know whether this program could be the right fit for your situation.
https://myoc.io/gumtree2

This is one of the questions we get asked most often, and it almost always comes from someone who has already talked the...
06/08/2026

This is one of the questions we get asked most often, and it almost always comes from someone who has already talked themselves out of asking.

Student loans don't automatically disqualify you from buying a home.

What lenders actually look at is how your total monthly obligations compare to your income.

Education payments get factored in the same way any other monthly commitment would — which means in a lot of cases, student loans aren't a dealbreaker. They're just part of the equation.

Here's what actually determines where you stand:

1️⃣ How your income compares to your total monthly payments. This number tells us a lot more than your loan balance does.
2️⃣ How long you've been in your current job. Stability matters — and it works in your favor more than most people realize.
3️⃣ What loan program fits your situation. There's rarely a one-size-fits-all answer, and that's exactly why the conversation is worth having.

Whether there are ways to structure your loan to give you more flexibility. Sometimes the path forward just needs a little creativity.

We've helped a lot of people in this exact situation go from "I don't think I can" to "I'm ready." Sometimes the answer is "here's what to focus on over the next few months." Sometimes it's "you're ready right now."

Either way, you deserve a real answer — not an assumption.

Comment STUDENT and let's find out where you actually stand. 💚
https://myoc.io/gumtree2

Six years ago, Lori Patterson joined the Gum Tree Mortgage family – and our clients have been better for it ever since.A...
06/05/2026

Six years ago, Lori Patterson joined the Gum Tree Mortgage family – and our clients have been better for it ever since.

As a Loan Processor, Lori works behind the scenes to make sure every file is moving, every detail is handled, and every client gets to the closing table with as little stress as possible. It's not the most visible role – but it's one of the most important ones.

The kind of seamless experience our clients rave about? Lori is a big reason that happens.

Six years of dedication, attention to detail, and genuine care for the people we serve. We're so grateful to have her on this team.
Lori, thank you for everything you bring to Gum Tree Mortgage every single day.

Drop a 💚 in the comments to show Lori some love – she deserves it!
https://myoc.io/gumtree2

The clients who have the easiest path to homeownership aren't always the ones who earned the most in their 20s.They're t...
06/03/2026

The clients who have the easiest path to homeownership aren't always the ones who earned the most in their 20s.

They're the ones who built good habits early, then let time do the rest.

As a mortgage team, here are a few things we see new grads overlook:

1️⃣ Paying on time consistently matters more than the amount.

Even small accounts, paid reliably, tell a much stronger story to a lender over time than one large account paid inconsistently.

2️⃣ Every monthly payment you take on today is something a lender will factor in later on.

Keeping your monthly obligations manageable now gives you options later – and options are everything.

3️⃣ Knowing where you stand financially before you feel "ready" is how you get a head start.

It's not a commitment to do anything. It's just clarity. And clarity changes everything.

None of this is glamorous advice. But over time, these habits build the one thing that matters most when it comes to your financial future — flexibility.

If you're a recent grad — or the parent of one — comment HABITS to set up a quick chat about building a financial foundation that sets you up for the life you're working toward. 💚
https://myoc.io/gumtree2

In an industry that can feel transactional and overwhelming, what our team cares about most is that the people we work w...
06/01/2026

In an industry that can feel transactional and overwhelming, what our team cares about most is that the people we work with feel genuinely taken care of — not just processed.

Megan said it better than we ever could.

Reviews like this are the reason we do what we do. Thank you for trusting us, Megan. It means everything to our team. 💚

Over the past three years, Patton McNeal has become someone our team and clients can consistently count on.From keeping ...
05/30/2026

Over the past three years, Patton McNeal has become someone our team and clients can consistently count on.

From keeping everything organized behind the scenes to making sure communication stays clear and timelines stay on track, he plays a big part in helping each loan come together the way it should. It’s the kind of steady, reliable work that makes a difference in every step of the process.

Patton, we’re grateful for the way you show up, support the team, and help create a better experience for the people we serve.

If you’ve worked with Patton, help us celebrate his 3-year anniversary below.

One year of showing up, staying steady, and making a real difference in every file you touch.Brittani Carter plays such ...
05/29/2026

One year of showing up, staying steady, and making a real difference in every file you touch.

Brittani Carter plays such an important role behind the scenes — keeping things organized, communicating clearly, and making sure our clients feel supported every step of the way. The kind of work that doesn’t always get the spotlight, but makes everything run the way it should.

Brittani, your consistency, care, and attention to detail don’t go unnoticed. We’re so grateful for the way you support this team and the people we serve every day.

If you’ve had the chance to work with Brittani, help us celebrate her first year below.

If you're buying a home you plan to stay in for 20, 30, maybe 40 years — the questions you should be asking will look co...
05/27/2026

If you're buying a home you plan to stay in for 20, 30, maybe 40 years — the questions you should be asking will look completely different from someone looking to upgrade in 5-10 years.

Instead of a simple "what can you qualify for today?", the question becomes "how will your life grow and evovle, and does this mortgage actually support that?"

That means looking at how your income might change over time. How your family might change. What flexibility you'll need down the road — and what stability matters most right now.

A 30-year decision deserves a 30-year plan. Not just the lowest payment and a quick approval.

Which is why this is exactly the kind of conversation we have with every customer at Gum Tree Mortgage before anything else.

Because if you're buying a home you plan to stay in for decades — you need a plan built around that long-term goal.
Comment PLAN if you want help building yours.

Source: Pennsylvania Association of Realtors®

Today is a reminder that our “home” is something many people fought to protect.Because of them, we have the freedom to b...
05/25/2026

Today is a reminder that our “home” is something many people fought to protect.

Because of them, we have the freedom to build lives, raise families, and create homes of our own.

We’re grateful for those who made that possible.

Our office is closed today in honor of the holiday, but we'll be back tomorrow to help you take the next step toward home.

Wishing you a meaningful Memorial Day.

Most people aren’t missing opportunities because they don’t have equity – they’re missing them because they don’t know h...
05/22/2026

Most people aren’t missing opportunities because they don’t have equity – they’re missing them because they don’t know how to use it.

Over time, your home’s equity can become one of the most useful financial tools you have.

And once you understand how much equity you’ve built, you can start to use it intentionally:

• Use it to fund home improvements that increase your property’s value
• Consolidate higher-interest debt into a more manageable payment
• Help fund a down payment on your next home
• Create flexibility if your financial situation changes
• Or simply get rid of mortgage insurance sooner than expected

It’s not just about what your home is worth – it’s about what that value can mean for you.

If you’re curious what your equity looks like and how to make it work for you, comment EQUITY or message us to walk through it together.

Address

404 Enterprise Drive, Suite F
Oxford, MS
38655

Opening Hours

Monday 8am - 6pm
Tuesday 8am - 6pm
Wednesday 8am - 6pm
Thursday 8am - 6pm
Friday 8am - 5pm

Telephone

+16622341940

Website

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