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

The process was stress free and seamless between the Manuel Builders team and the Manuel Morgage team. Ms. Lavergne was quick to respond but didn’t overwhelm me with too much information. The was a win-win for me. She beat out a very well known competitor that has a lot of veteran clients. Team Manuel made the purchase of my retirement home a very pleasant experience!!!

Conrad W. Youngsville – October 1, 2026
Rating: 5 out of 5

Everyone at GMFS Mortgage was very kind and helpful. You all made something difficult and scary into something easy! Every question I asked was answered with patience and politeness. Thank you for helping me buy my new home!!

Brenda B. Baton Rouge – September 30, 2026
Rating: 5 out of 5

Great communication and very helpful!

Brady F G. Folsom – October 1, 2026
Rating: 5 out of 5

My bank told me you were the only company that could beat their rates.

John M. T. Wilmer – September 30, 2026
Rating: 5 out of 5

Everything was completed in a timely manner and great communication.

Amy V. Baton Rouge – October 1, 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