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The Cody Heard Mortgage Team At Premier Nationwide Lending
Cody Heard and his team went above and beyond for me. They were always quick to respond to any questions that I had, and always quick to relay any information to me. I really felt like, when they knew something, I knew shortly after. This was my first time going through this process, and the team never made me feel like I didn't know what was going on, even when I didn't.

Cody's team helped me through a bad deal and helped me find the perfect deal, and I can't thank his team enough for all that they have done for me. Forget cookie-cutter mortgage companies and newbie online mortgage lenders. At Premier Nationwide Lending of Lake Charles, we pride ourselves on tailoring our loan solutions to you - the hard-working home buyer.

Cody Heard is supported by a deeply experienced team of underwriters, processors and advisors, all of whom boast extensive knowledge in the mortgage lending industry. Part of what makes Premier one of the nation's best mortgage lenders is our push for excellence and our one-on-one, customer-centric approach.
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Whether you're a first-time home buyer or a seasoned veteran, the mortgage process can seem confusing and overwhelming.
Here at Premier Nationwide Lending of Lake Charles, we make sure it's not.
Our goal is to make buying a house easy, simple and enjoyable - and the Premier Nationwide Lending of Lake Charles team ensures that every step of the way.
Before you can commence buying that Lake Charles dream home, you first need to get with your family members and establish your home buying plan.
That means setting your goals, narrowing down your search criteria, and understanding your budget.
Your mortgage should align with your current stage in life - not the stage you were five, 10, or 20 years ago.
By refinancing your mortgage loan, you ensure it does.
A refinance can help you lower your interest rate and monthly payment, turn your home equity into cash, or even pay off your loan sooner.
Whatever your current stage in life demands, a refinance can help you achieve it.
Timing is of the utmost importance when refinancing your mortgage loan.
You should take into account the market's current interest rates, how long you've had the loan, and how much time you have left to pay it off.
Cody Heard and the entire Premier Nationwide Lending of Lake Charles team know that every homebuyer is different.
As such, there's no one-size-fits-all mortgage loan that can fit all needs, budgets and homebuying preferences.
To ensure we're able to meet the wide and varying needs of our Lake Charles clients, we're proud to offer an equally far-ranging array of mortgage loan options to choose from.
See below to learn about the types of mortgage loans you can use for your Lake Charles home purchase.
The first step in every home buying journey is to figure out what you can afford.
So, before you go looking for that Lake Charles dream home, sit down and take a long, hard look at your recent pay stubs and bank statements.
How much are you bringing in every month between you and your spouse or co-borrower?
Generally, financial experts recommend spending no more than 30 percent of this amount on housing, so you'll want to make sure your mortgage payment falls below this number.
Next, use the below mortgage loan calculator to determine the price range and down payment amount that would produce a budget-friendly mortgage payment for your household.
Fixed-rate mortgages are the most common type of home loan in the country.
They offer consistency, predictability and protection from future increases in interest rates and monthly payments.
Here at Premier Nationwide Lending of Lake Charles, Cody Heard is proud to offer a wide-ranging selection of these reliable mortgage loans, including fixed-rate FHA, conventional, USDA and VA options.
No matter what your budget, preferences or Lake Charles homebuying needs entail, we've got the fixed-rate mortgage loan to help.
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