Loan Programs and Services:

Our mortgage company in Louisiana provides a comprehensive range of services to meet the diverse needs of our clients. Some key services we offer include:


  1. Home Purchase Loans: We assist clients in securing financing for purchasing their dream homes, offering competitive interest rates and flexible repayment terms.
  2. Refinance Options: Whether it's to lower monthly payments, access home equity, or get a better interest rate, we provide refinancing solutions tailored to individual financial goals.

  3. First-time Homebuyer Programs: We understand the unique challenges faced by first-time homebuyers and offer specialized programs to make the homebuying process smoother.

  4. Jumbo Loans: For clients looking to finance high-value properties, we offer jumbo loans with larger loan amounts to accommodate their specific needs.

  5. FHA, VA, and USDA Loans: We provide government-backed loan options, such as FHA, VA, and USDA loans, to help eligible individuals and veterans secure affordable financing.

  6. Down Payment Assistance: We have many different programs designed to help prospective homebuyers meet down payment and/ or closing costs required to purchase their new home. 
  7. One Time Construction: With OTC, borrowers can secure financing for the purchase of the land, the construction and the home's permanent mortgage in a single closing. Only one closing means only one set of closing costs helping save money. 
  8. Rehab Loans: We offer rehabilitation loans (203K limited and standard); which homeowners use to finance the purchase and renovation of a home, often used as a residence. 
  9. HELOC: Keep your interest rate. We offer Home Equity Lines of Credit for consumers who wish to get the equity out of their home but keep their current interest rate on their 1st mortgage. 

  10. Competitive Interest Rates: We strive to offer competitive and transparent interest rates, ensuring that our clients benefit from favorable terms.

Loan Documents Checklist:


  • Picture ID and Social Security card for borrower and co-borrower(s).
  • Address(es) for the last 2 years. Name and complete address of all landlords for the past two years.



  • Employment history for the past two years including names, addresses, phone numbers, and length of time with company.
  • Copies of your most recent pay stubs (last 2 months)
  • W-2 forms (last two years).
  • Verification of additional income being used to qualify for loan (social security, child support, retirement, etc) - (If applicable)
  • If self-employed, copies of the past two years signed tax returns including all schedules, and a signed profit and loss statement of the current year. Retirees need tax returns for the past two years.
  • Rental property income, bring a copy of all lease agreements - (If applicable)



  • Copies of bank and credit union statements (accounts showing funds being used for down payment/ closing costs) – (last 2 months)
  • Copies of all stock/bond certificates and/or the last two statements from all investments and retirement accounts being used towards closing this transaction



  • Most recent 2 mortgage statements (property address, name of lender, account number, monthly payment and balance owed on all properties presently owned) – If refinancing or HELOC
  • Mortgage statements for any rental properties showing Principle & Interest; Taxes, and Insurance (PITI)
  • Proof of sale of property any properties recently sold



  • Bankruptcy - Discharge document and schedule of creditors.
  • Adverse credit - Letter(s) of explanation.
  • Child Support - Court documents and account payment history. - (If applicable)
  • Divorce - Divorce Decree, property settlements, quit claim deeds, modifications, etc. - (If applicable)
  • VA only - Form DD214 and Certificate of Eligibility.
  • Retirees - Retirement and/or Social Security Award Letter.