Hometown Mortgage of Natchitoches recently moved its office location to 207 Church Street in Natchitoches across the street from the Natchitoches Parish Courthouse. They look forward to continuing their services to the area, so the NPJ sat down to see how things have been going.
1. Does Hometown Mortgage of Natchitoches still offer the same quality service/products?
Yes, we offer Conventional, FHA, USDA, and VA purchase and refinance loan programs for single-family homes and manufactured housing. Conventional loans max out at around $715,000 with down payments of 5%, 10%, 20%, or more. We also have loan programs for self-employed individuals that base income on 24 months of bank statements or we have the ability to establish income using only 1099s. These programs will require at least a 10% down payment but could be more based on other variables.
Don’t have a huge down payment? No Problem! FHA loans may be right for you with a max loan amount of $420,680 and a down payment of ONLY 3.5%.
USDA loans require NO down payment and are based on a household’s income (1-4 members = $103,500 and 5+ members = $ 136,000).
You must be a military veteran or active military to be eligible for a VA loan, which requires NO down payment.
2. Tell us about your staff.
Our staff is comprised of a committed loan officer with over 25 years of experience in the mortgage industry. We also have two loan processors with combined 20 years of experience to make sure every transaction closes smoothly. We are here to help!
3. What is the process for pre-approval? Will it help me close faster?
Getting pre-approved gives you an estimate of your loan amount, monthly payment, and interest rate. This gives you advantages like saving time by viewing homes within budget and it tells the seller that you’re serious and ready to close when an offer is made.
But can getting pre-approved help you close faster? The more information you verify early, the smoother your path to closing can be! Plus, most sellers generally require pre-approval with any purchase offer.
If you’ve got questions contact Lesley P Ramian (Originator, NMLS # 70177) at (318) 357-0033 or by email at lramian@htmtg.biz. For an application link, please text Ramian at 33655. Clients can also call the office at 318-357-0033 for efficient service. Call and talk to one of our staff to discuss all possible loan programs that will fit your individual needs!
