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. He wants Family First Mortgage to become a beacon of light for Acadiana, starting with faith in God and Family.
Helping people to finance their dreams is just the beginning. Chris has taken the name Family First and extended it to mean community as well. It's obvious to anyone who walks through the doors at Family First, that this experience will be like no other in Acadiana.
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. He wants Family First Mortgage to become a beacon of light for Acadiana, starting with faith in God and Family.
Helping people to finance their dreams is just the beginning. Chris has taken the name Family First and extended it to mean community as well. It's obvious to anyone who walks through the doors at Family First, that this experience will be like no other in Acadiana.
Services
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.
Whether you are purchasing your dream home, refinancing an outstanding loan, or consolidating debt, our highly experienced team of loan officers can help you find the right loan program at the lowest rate no matter what your needs are.
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.
Whether you are purchasing your dream home, refinancing an outstanding loan, or consolidating debt, our highly experienced team of loan officers can help you find the right loan program at the lowest rate no matter what your needs are.
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.
Income must be steady and provable, two year work history is required with no gaps longer than 6 months unless you're in school at a university.
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.
Income must be steady and provable, two year work history is required with no gaps longer than 6 months unless you're in school at a university.
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.
The down payment can also be gifted by a family member.
Debt to Income Ratio is 43% unless you receive a Desktop Originator or DO Approval which is automated, they can go as high as 56%, but the loan still has to be approved by lender's underwriter.
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.
The down payment can also be gifted by a family member.
Debt to Income Ratio is 43% unless you receive a Desktop Originator or DO Approval which is automated, they can go as high as 56%, but the loan still has to be approved by lender's underwriter.
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.
Income must be steady and provable, two year work history is required with no gaps longer than 6 months unless you're in school at a university.
Two months bank statements, additional reserves may be required, large deposits have to be sourced, NSF's must be explained.
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.
Income must be steady and provable, two year work history is required with no gaps longer than 6 months unless you're in school at a university.
Two months bank statements, additional reserves may be required, large deposits have to be sourced, NSF's must be explained.
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.
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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