HubCity 731

12/30/2025

🤍 Grateful is an understatement.🤍

We are honored to have worked with:

• Toyota
• Tyson Foods
• Aloha Pools
• Conagra Brands
• W.T. Bone & Joint Institute
• Dynamix Physical Therapy
• Jackson Surgical Associates
• Lift Therapy
• All Saints Immigration Services
Tennessee Courts
Madison, Chester, Henderson…
• TN Circuit Court
• TN Chancery Court
• TN General Sessions Court

As interpreters for West Tennessee, we say thank you to all of our clients!
This year has been filled with meaningful work and incredible partnerships. Thank you to all of our clients who trusted HubCity 731 to support clear communication across legal, medical, corporate, and community settings.

📌 Bridging language barriers and opening doors for the Latino community in West Tennessee.

Your trust allows us to continue serving with professionalism, integrity, and heart. 🤍

As we move into the year ahead, we look forward to continuing to work with our valued clients and welcoming new partners who need reliable, professional interpretation and translation services.

If you or your organization are looking for an interpreter, we’d love to connect.

🌐 www.hubcity731.com

02/25/2025

I can’t wait till our next meeting ✨🙏🏽 so thankful for this. Being able to come together to help our Latinx community ✨

Eva, one of our finance directors, recently met with local leaders who serve the Hispanic community. During their meeting, they collaborated together to share helpful resources in order to better serve those in this population. We're grateful for these compassionate individuals.

12/20/2023

is a Jackson Tennessee, , run and business!
We are Professional Spanish/English bilingual translators. We offer translation and interpreter services For medical, legal or personal.

02/04/2022

Call Me for More Info!!

𝙁𝙃𝘼 𝙫𝙨. 𝘾𝙤𝙣𝙫𝙚𝙣𝙩𝙞𝙤𝙣𝙖𝙡 𝙇𝙤𝙖𝙣𝙨

FHA loans allow lower credit scores than conventional mortgages do, and are easier to qualify for. Conventional loans allow slightly lower down payments.

𝘾𝙧𝙚𝙙𝙞𝙩 𝙨𝙘𝙤𝙧𝙚𝙨

FHA loans are usually easier to qualify for, with a minimum of 580 to be eligible to make a 3.5% down payment. If your credit score is 500 to 579, you may qualify for an FHA loan with a 10% down payment.
Conventional loans typically require a credit score of 620-640 or higher. *** I will add even though you can do conventional with a 620 your mortgage insurance will be sky high if you don't have at least a 680.***

𝘿𝙚𝙗𝙩-𝙩𝙤-𝙞𝙣𝙘𝙤𝙢𝙚 𝙧𝙖𝙩𝙞𝙤𝙨

Your debt-to-income ratio must be 50% or less to qualify for an FHA loan. Conventional loans allow debt-to-income ratios up to 50% in some cases, too. Even though lenders sometimes allow debt-to-income ratios that high, approval is more likely for mortgage borrowers with DTIs of 43% or less.

𝙈𝙤𝙧𝙩𝙜𝙖𝙜𝙚 𝙞𝙣𝙨𝙪𝙧𝙖𝙣𝙘𝙚

Mortgage protects the lender in case of default. Conventional loans require borrowers to pay for mortgage insurance if their down payment is less than 20%. FHA loans require mortgage insurance regardless of down payment amount.

𝙇𝙤𝙖𝙣 𝙡𝙞𝙢𝙞𝙩𝙨

The 2022 limit is $420,860 in low-cost areas and $970,800 in expensive markets. Conventional loans are subject to the conforming loan limit set by the Federal Housing Finance Agency. For 2022, that limit is $647,200 for most of the U.S. that exceed that threshold are called “jumbo loans.”

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09/13/2021

Credit tip for homebuyers!
after you’ve worked hard on building your credit and you’re approved for her home alone, Hold off on making any big purchases or changes that would impact your credit score until after closing!

For or purchasing your dream home, give me a call! We can get Help you reach your goal!

08/31/2021

If you are renting…You are already paying a mortgage, just not yours.
If you want to become a homeowner but feel overwhelmed with where to start? Let’s make September the month!!! Let’s get you moving towards your home-owning dreams!

Here are 5 steps you can knock out to get prepared. What’s even better? You can do all these on your phone!

Buying a home is one of the best things you can do for your financial health! Reach out if you have any questions or would like for me to connect you with a lender who can also help get you on track to owning a home! I’d love to help!

If you have ever been turned down for a 🏡 or not sure 🤔 if you qualify...let help you 🏡 we are In & Contact us today!
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