Your Local Mortgage Lender
Located in Destrehan, Louisiana
Personalized Mortgage Experience
Brian Maurice offers personalized service and loan options you'll love. We shop multiple lenders to find the best rate and product for you, getting you into your dream home faster.
With wholesale interest rates and cutting-edge technology, we make the mortgage process seamless. Trust the experts who focus solely on mortgages. Support your local community and experience elite client service.
Let us help you achieve your homeownership dreams!
The Home Loan Process
Mortgage Pre-Approval
Get pre-approved from one of our Loan Officers to see how much you can afford.
House Shopping
Work with a trusted Real Estate Agent to find a home you would like to move into.
Loan Application
Complete your home loan application to get the lending process started.
Don't take my word for it
Mortgage Programs
Experience the best mortgage experience located in Destrehan, Louisiana .
Home Loan Options
Our experienced mortgage advisors will walk you through the best mortgage loan program that will fit your specific scenario.
Conventional Home Loans.
FHA Home Loans.
USDA Home Loans.
VA Home Loans.
Frequently Asked Questions
How often can I refinance my mortgage?
There is no limit to the number of times you can refinance. However, you must qualify every time you apply and there will be costs associated with closing the loan each time.
Can I buy a home if I do not have money for a down payment?
Yes! There are a number of bond programs that offer low or no down payment financing options.
How do I know which mortgage is right for me?
The key to choosing the right mortgage is to understand the range of options and features available to you, as well as your budget, circumstances, and goals. Our licensed mortgage professionals are here to help you navigate that process. The more you know, the more comfortable and confident you will be choosing the best option for you and your family.
How long will the loan process take?
The Truth in Lending Act (TILA) does not permit a lender to close a loan until at least seven (7) business days have passed from the date your application was received. A typical home loan takes 30 days, as a number of third-party services such as appraisals, title work, and credit are required in conjunction with the mortgage process. Once you familiarize your Loan Officer with the details of your specific loan scenario, they will be able to provide you with a more specific timeline.
Will I qualify for a home loan?
The only way to find out is to speak with a qualified mortgage professional. Our Loan Officers have helped numerous clients who didn’t know if they could qualify to become home owners. We take the time to understand your financial situation and long-term financial goals, and then match you with the loan program that best fits your needs. Your approval for a loan may also largely depend on the price of the home you are financing. Getting pre-qualified prior to beginning your home search can give you an idea of what you may be able to afford.
Why do people refinance their mortgages?
Homeowners typically refinance to save money, either by obtaining a lower interest rate or by reducing the term of their loan. Refinancing is also a way to convert an adjustable loan to a fixed loan or to consolidate debts.
How much money will I have to pay upfront to buy a home?
This question does not have a simple, one-size-fits-all answer. The exact amount will depend on the price of the home you buy as well the type of mortgage financing you choose. Depending on your loan program, your down payment could be as much as 20% of the home’s price or as little as 3%, while some loans require no down payment at all.
Can I get a mortgage after bankruptcy?
You may still qualify for a home loan even if you have experienced a bankruptcy. The best way to find out if you qualify is to talk with a Loan Officer to discuss your options. Be sure to bring all paperwork regarding your bankruptcy so your Loan Officer can find the program that best fits your situation.
Should I lock my interest rate now, or wait until we are closer to our closing?
Interest rates fluctuate all day, every day. If an interest rate is good, it may be in your best interest to lock now. If you wait, you run the risk of an increase in rates later. If you are concerned that rates may go down after you lock, contact your Loan Officer to discuss your options. Some programs allow you to lock for an extended period and choose to lower your rate should a better one become available.
Most Recent Blog Updates
VA Loan Benefits in New Orleans Are Powerful and Here Is Why Veterans Should Not Overlook Them
The Home Loan Benefit That Too Many Louisiana Veterans Leave on the Table
If you are a veteran or active-duty service member buying a home in the New Orleans area there is one conversation worth having before you look at any other financing option. Your VA loan benefit is one of the most powerful home purchasing tools available to any buyer in any market and the specific advantages it offers are particularly meaningful in Louisiana right now.
Zero Down Payment
The most immediate advantage is the one that removes the single biggest barrier to homeownership for most buyers. VA loans allow qualified veterans to purchase a home with no down payment required. You do not need to save tens of thousands of dollars before you can buy. The equity you earn from day one belongs to you rather than going toward a down payment requirement that other loan programs demand before they will approve you.
No Private Mortgage Insurance
Conventional loans require private mortgage insurance when the down payment is below twenty percent. FHA loans carry their own mortgage insurance premiums. VA loans have neither. That savings can amount to hundreds of dollars every single month and as Brian Maurice explains that matters particularly in Louisiana where insurance costs are already elevated. Every dollar saved on PMI is a dollar that stays in your budget for everything else.
Competitive Rates and Flexible Qualification
VA loans consistently offer interest rates that are competitive with or below conventional loan rates for borrowers with comparable credit profiles. The qualification guidelines are also more flexible than conventional financing in ways that benefit veterans who may have credit challenges or non-traditional income documentation.
Recent changes to VA loan guidelines have also relaxed property condition requirements in ways that can open up more purchase options. Homes that might have previously presented challenges under older VA appraisal requirements may now qualify and that expansion of eligible properties creates opportunities for sweat equity purchases or potential investment considerations that were not available before.
Limits on Closing Costs
The VA loan program limits certain closing costs that lenders are allowed to charge veterans. That means more of your money stays in your pocket at closing rather than going toward fees. In combination with zero down payment the closing cost protections make the VA loan one of the most cash-efficient paths to homeownership available anywhere in the market.
Use the Benefit You Earned
You earned this benefit through your service. If you are buying a home in the New Orleans area using it is one of the best financial decisions you can make.
Reach out to Brian Maurice to have the full conversation about how your VA benefit applies to your specific situation and what buying in the New Orleans market looks like with the advantages your service has earned you.
Sources
VA.gov
MilitaryOneSource.mil
MortgageNewsDaily.com
ConsumerFinancialProtectionBureau.gov
LouisianaHousingCorporation.org
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