Frequently Asked Questions

How To Apply for a Mortgage?

Ready to get started on your mortgage loan application! We will make it simple for you! You can give us a call directly at (337) 267-8511 or start your application online. The application should take you less than 15 minutes! It is a quick loan application!

What is a Pre-Approval?

A pre-approval is a detailed review of your income, credit, and financial information to determine how much home you qualify for, what your estimated payment looks like, and which loan options fit you best.

The biggest benefit of a pre-approval is clarity. You’ll know your real numbers before you start shopping — helping you focus on homes within your true price range and make stronger, more confident offers when you find the right one.

Our pre-approvals are built to hold up — not just get you shopping, but get you to the closing table.

Why do you require documents?

Documents allow us to verify the information provided on your application, including employment, income, and assets. These third-party verifications ensure your pre-approval is accurate and reliable.

While not every lender requires documentation upfront, our team believes strong pre-approvals protect you. When we issue a pre-approval, it’s built to close — not fall apart later due to missing or unverified information.

This extra care upfront helps prevent surprises, delays, or denials once you’re under contract.

Why do I have to pay for my credit report?

Your credit profile plays a major role in determining how much you qualify for and which loan options are available to you.

Paying for your credit report allows:

You to receive your own consumer credit copy to review for accuracy

Secure submission of the report to our team for your pre-approval

The cost of the credit report is $132, and this fee is paid directly to the credit bureaus, not to our office. We believe in transparency — you should see exactly what we see.

This step helps us provide an accurate, dependable pre-approval and avoid surprises later in the process.

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