Service is one of our top priorities and our goal is to always provide you with the lowest mortgage rate. To us, you're more than a customer, you're like FAMILY! Our service areas include: Lafayette, Broussard, Carencro, Youngsville, Scott, Breaux Bridge, St. Martinville, New Iberia, Lake Charles, and in all of Louisiana.
To Chris Chustz, family is everything, but family for him takes on a wider meaning than most. He is the face of Family First Mortgage, founder and owner since 2004. He lives here in Lafayette with his four children and wife, Angelle; he is proud to call this community home. Chris explains that it's his goal is to reach the community in any positive way.
To Chris Chustz, family is everything, but family for him takes on a wider meaning than most. He is the face of Family First Mortgage, founder and owner since 2004. He lives here in Lafayette with his four children and wife, Angelle; he is proud to call this community home. Chris explains that it's his goal is to reach the community in any positive way.
Services
About
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Our team is committed to providing our clients with the highest quality financial services combined with the lowest rates available in your area. Our outstanding mortgage professionals will work with you one on one to ensure that you get a financial solution that is tailored specifically to meet your financing needs.
Conventional Loans
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Lower overall cost than some government programs with Mortgage Insurance, depending on Credit Score. PMI or Mortgage Insurance is added to loan payment with less than 20% down payment, no upfront funding fee. Debt to Income Ratio is 43% unless you receive a Desktop Originator or DO Approval which is automated, they can go as high as 50%, but the loan still needs to underwritten by lender underwriter.
FHA Loans
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Mortgage Insurance is set doesn't depend on your Credit Score like a Conventional Mortgage. Sellers can pay up to 6% of Closing Cost which means less money out of pocket for the borrower. Much more flexible to obtain than say a Conventional Home Loan due to Credit Score Requirements. Down Payment is 3.5% although Down Payment Assistance or DPA may be available depending on the area.
USDA – RD Loans
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Low monthly PMI or Mortgage Insurance, .35% is the factor which is low, there is a upfront funding fee of 1% paid to the USDA. Housing and Debt to Income Ratio is 29/41% unless you receive a Guaranteed Underwriting System or GUS Approval which is automated, they can go as high as 45%, but the loan still has to be approved by lender's underwriter.
Purchase Assistant
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This Free Purchase Assistant has been designed to help narrow down options based on your individual needs. It's quick, it's easy, and the more questions you answer - the more accurate your results. Once we receive your purchase information a member from Family First Mortgage will reach out to you as soon as possible.
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