07/30/2026
Buying a home doesn't require perfection, and that's one of the biggest misconceptions we see. 🔑
Here are a few insights from our very own Kim Holcomb, Mortgage Loan Originator, at Farmers Bank & Trust. ✨
🚫 Myth Busted: You need perfect credit to buy a home.
While a higher credit score can help you qualify for better interest rates, you don't need a perfect score to get a home loan. Farmers Bank & Trust offers mortgage loan programs for borrowers with a wide range of credit scores. If your score is not in our qualifying range, we can provide tips and strategies to get you where you need to be.
🌾 Kim's Hidden Gem: The USDA Rural Development loan program.
I love this mortgage loan program for first-time homebuyers and repeat buyers. USDA loans can be an excellent option for income-qualifying buyers who want to minimize upfront and monthly costs while purchasing a home in an eligible area with no down payment.
🏡 Her must-have home feature?
A large kitchen island is a must-have for me because it serves so many purposes. It provides extra counter space for meal prep, baking, serving food, and even working on some of my crafting projects. Since I have a large extended family, my home is often the gathering place for holidays and special occasions.
Have questions about your mortgage options? Contact Kim at (903)255-1892 to connect with the Farmers Mortgage Team today! 🔑