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Home Loan Options by Scenario

Since 1999, GMFS Mortgage has been CHANGING LIVES by helping our customers  find the best home loan solution for their situation.  As a general guide, we have provided links to mortgage products that typically work best for each home loan scenario below.

No down payment or low down payment to purchase a home

100% Financing (No Down Payment)
FHA 100 Percent Loan 
VA Home Loan
Rural Development/USDA Loan
__________________
Low Down Payment Options:
Down Payment Assistance Program 
HomeReady
Home Possible
First Responder Offer

First time home buyer
(loan less than $795,000)

First Time Home Buyer Info
Conventional Fixed Rate
FHA Loan
HomeOne
HomeReady
Home Possible
Rural Development/USDA Loan
First Responder Offer
Down Payment Assistance Program
LHC – Down Payment Assistance (LA only)
Adjustable Rate Mortgage (ARM)

Refinance mortgage to save money or get additional cash

Refinance
Cash-Out Refinance
FHA Streamline Refinance
First Responder Offer
Reverse Mortgage 

 

By refinancing your existing loan, your total finance charges may be higher over the life of the loan.

Buying a home in a rural area

Rural Development/USDA Loan
Conforming Fixed Rate
FHA Loan
HomeReady
Home Possible

Home borrower is a military Veteran

VA Home Loan
Conforming Fixed Rate
FHA Loan
HomeReady
Home Possible

Build or renovate a home

One Time Close
HomeStyle(R) Renovation Loan
USDA One Time Close 
First Responder Offer

Purchase a second home or investment property

Adjustable Rate Mortgage (ARM)
Conforming Fixed Rate
Jumbo Express Loan
Debt Coverage Ratio (DSCR) Mortgage 

Home loan between $795,000 and $3M

Jumbo Express Loan

Adjustable Rate Mortgage (ARM)

Home borrower is a First Responder

Law Enforcement | Fire Fighters | EMS Medics

GMFS Mortgage First Responder Offer

Keys for Service 

Disaster recovery home loans

Conforming Fixed Rate
Construction Loans
FHA 203(h) Disaster Loan
HomeReady
Home Possible
LHP – Pathway 2 Homeownership (LA only)

Non-Traditional Home Loan & Self-Employed Borrowers

Expanded Prime/Non-QM

Bank Statement Program – 1099 and Self-Employed Borrowers 

Jumbo Express Loan

Adjustable Rate Mortgage (ARM)

Savings

Buydown Mortgage

HomeStyle Energy Mortgage

GMFS Mortgage ranked Best Mortgage Company in Louisiana for 2018 by Ask a Lenderbusiness report best places to work in baton rouge

WHY GMFS MORTGAGE?

Our avg. customer feedback rating = 4.8 stars! Experience for yourself why so many of our customers and partners refer GMFS Mortgage to their family, friends and clients!

Established

Over 150,000 customers and $30 billion in residential mortgage funding in 23 states

Efficient

Processing, underwriting, and closing under same roof means smooth & predictable closings

Trusted

A+ rating with BBB and winner of Torch Award for Marketplace Trust

Experienced

GMFS staff has an avg. of 14+ years of mortgage industry experience