Guaranty Bank offers full-service mortgage services in Tennessee and Mississippi. Whether you are buying your first home, refinancing, or building a new construction home, we have a wide array of mortgage products to fit every need.

Mortgage Loan Officers

Guaranty Bank & Trust Company has Mortgage Loan Officers ready to help with all of your home financing needs!

The Guaranty Bank & Trust Company Mortgage Loan Officers that meet your search criteria are listed below.

Contact one of our lenders by phone or email, or click on the name of the Mortgage Loan Officer you want to work with and you’ll be directed to their personalized page to view more information.

Eddie Reed

Hernando Mortgage Officer
Contact information –
Office: (662) 449-1296
Fax: (662) 449-5054
NMLS ID #595131

Eddie has over 16 years of experience in home mortgage lending.  He graduated from the University of Mississippi with a degree in Management Information Systems and carries the designation of Certified Residential Mortgage Specialist (CRMS).
Our goal is to provide the highest level of service at competitive rates. I am only a phone call away if you need help.

Doug Capps

Hernando Mortgage Officer
Contact information –
Office: (662) 298-0131
Efax: (901) 202-2088
Cell: (901) 412-9590
NMLS ID #68160


As a certified mortgage professional, Doug has built his reputation on providing outstanding service to his clients while keeping them informed throughout every step of the lending process. Doug is also involved with the BNI (Business Network International) Midsouth Partners and an affiliate member of North Mississippi Association of Realtors.

Mortgage Industry Designations:

  • MMS – Military Mortgage Specialist
  • CLO – Certified Loan Officer
  • CRMS – Certified Residential Mortgage Specialist
  • CMHS – Certified Military Housing Specialist
  • FICO Pro – Certified FICO Professional
  • Lending Integrity Seal of Approval

Prior to the mortgage industry, Doug proudly served in the US Army Military Police Corps for 8 years.

Our goal is to provide the highest level of service at competitive rates. I am only a phone call away if you need help.

Melanie Sanders

Greenville Mortgage Officer
Contact Information:
Phone: (662) 332-7191
Fax: (662) 335-1820
NMLS ID #595134


Melanie Sanders is the Vice-President of Guaranty Bank and Trust Company and a Mortgage Loan Officer. She has been with Guaranty Bank for 17 years and is thankful for the bank’s commitment to community service.

She participates in many organizations to make an impact for her community. She has traveled to Belarus and El Salvador on two missions trips with her First Baptist Church. She was the Volunteer Chairman for Greenville’s Mighty Mississippi Music Festival. She has contributed her time to Leadership Washington County, American Heart Walk Association, the Jesse Brent Association Golf Tournament, Teach Children to Save, Mississippi Scholars, Rotary Club, Junior Greenville Garden Club, and Joint Greenville-Washington County Historic Preservation Committee.

More recently, Melanie served as the Area Director to the Special Olympics. In banker terms, she says, the Special Olympics are the most lucrative “Return on Investment.” A Life Member of Junior Auxiliary, Sanders served as Treasurer and Charity Ball Decorations Chairman, among many other duties geared specifically for children.

With precision, purpose, and an agenda, she will help lead you through every step of the lending process.

Chuck Jackson

Senatobia Mortgage Officer

Contact Information:
Phone: (662) 301-1049
Fax: (662) 301-1780
NMLS ID #136376

Jackson attended the University of Mississippi and earned his Bachelor of Science degree in Education from Delta State University, where he was a member of the baseball team. He has also completed studies at the Barret School of Banking, conducted at the University of Memphis.

Most recently, Jackson was affiliated with First Financial Bank in Senatobia, where he served as President. Prior to that, he served as a Loan Officer at Community Mortgage in Southaven, Mississippi. Jackson serves on the Foundation Board of Northwest Mississippi Community College and is a previous member of both the North Mississippi Home Builders and the North Mississippi Board of Realtors. He served as Chairman of the Como Methodist Church Pastor Parish Relations committee and is a member of Hernando Methodist Church. He also is a member of Business Network International in Southaven. Jackson and his wife, Rachel, have two daughters, Lizzie and Lee Taylor, who both currently attend Ole Miss.

Harry McCarley

Grenada Mortgage Officer
Contact Information:
(662) 520-6233
(662) 520-6203
NMLS ID #908743

Mr. McCarley is a graduate of Grenada High School and completed studies at Mississippi State University, where he earned his Bachelor’s degree in Business Administration.  He is married to the former Michele Duke, also of Grenada, and they have one daughter, Olivia.  The McCarleys attend Grace Baptist Church and he counts among his hobbies attending or watching Mississippi State University sporting events and spending time with family and friends.

Applying online is as easy as 1-2-3.

You can apply now in as little as 20 minutes.

  1. Click the Apply Now button and complete the application.
  2. When you have completed the application, click submit and your information will be reviewed.
  3. We will follow up to answer your questions.