Keys for Service

GMFS Mortgage is proud to offer Keys For Service, a down payment and closing cost assistance program available for homebuyers with annual household incomes at or below $125,000!  GMFS has partnered with Louisiana Housing Corporation to provide this unique program.

Happy retired female customer

Features & Eligibility

This is a FORGIVABLE assistance offering that can be paired with both Conventional and Government first and repeat mortgages.

Features:

  • up to 4% down payment assistance – can also be used towards closing costs
  • available for first-time homebuyers and repeat buyers
  • competitive interest rates
  • No AMI

 
Some Qualifications Include:

  • Homebuyers with annual household incomes at or below $125,000 who are purchasing a qualified, principal residence.
  • Borrowers cannot own other property at the time of closing.

Let’s Talk

Contact a GMFS Mortgage Loan Officer today!

Rating: 5 out of 5

Neil and his team did an extraordinary job on helping with the in’s and out’s of the mortgage process. This was my first home purchase and it could have gone smoother , and Neil was super informative. The e-sign process made closing simple and short. Everything was already e-signed and ready to go . I would recommend this company and team to anyone looking for the services they provide. 10 out of 10 .

Jonathon A. Saraland – September 14, 2026
Rating: 5 out of 5

Lindsay was very thorough with the process for my buyers and we had a successful closing. She communicated well and stayed on top of the process flow from start to finish. My buyers in Macon GA were also pleased with her thoroughness. As their Middle Georgia REALTOR® we were all happy to reach the finish line! Patti Chapman www.pattichapmanrealestate.com ~ LET ME BE YOUR MACON AND MIDDLE GA REALTOR® TOO

Patti C. Musella – September 15, 2026
Rating: 5 out of 5

Excellent service from the first phone call to the finish line. Highly recommended and very smooth process.

Joseph B. Saint Simons Island – September 12, 2026
Rating: 5 out of 5

Lance is amazing. Very informative and ensures complete understanding Every step of the process.

Deon Marie G. Thibodaux – September 11, 2026
Rating: 5 out of 5

Step by step was very easy and straightforward

Jason Michael R. Mobile – September 18, 2026

What Sets Us Apart

A Lender Who Cares

With GMFS Mortgage, you’re not just getting a loan—you’re getting a team that’s all in, every step of the way.

Established

Since 1999, we’ve helped over 150,000 people across 23 states become homeowners.

Efficient

Everything from processing to closing happens under one roof. That means fewer hiccups…and more high-fives.

Trusted

A+ BBB rating. Torch Award for Marketplace Trust. A reputation built on doing the right thing.

Experienced

Our team averages 14+ years in the industry—and a lifetime of showing up for our clients.

Prepayment penalty may apply if the loan is paid off earlier than the terms specified in the loan documents


*Not a commitment to lend.  All loans subject to credit and property approval.  The following terms are for illustrative purposes only.  Rates, payments, and loans terms vary by consumer based on their individual qualifying information.   The payment amount illustrated does not include the amounts for taxes, property insurance, or mortgage insurance. 

Purchase PriceLoan AmountInterest RateAPRTerm
$239,000$227,0506.5%6.725%30