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.
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.
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.
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.
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.
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.
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.
Reviews (10)
Toby Morvant
Nov 22, 2021
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Wow where do I start. Hannah is the absolute best. She went above and beyond to make this happen for us. She communicated with me on just about a daily basis to let me know where we stood in the process. Now that we closed on the house it will be weird not hearing from her with updates anymore. If you are looking to buy a home make sure it starts with Hannah at Family First Mortgage.
LeTesha Davis
Nov 14, 2021
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I have worked with Family First Mortgage for my first and second home loan. All of the staff is great and helpful. I have specifically worked with Jason both times and he always exceeds my expectations. He worked around the clock and did whatever it took to get me the best financing option and lowest rate available. He was willing to jump through hoops when other lenders did not. He is patient, hardworking, professional, knowledgeable and he really wants what is best for his client. I highly recommend Jason and Family First Mortgage
Hannah Gaudin
Nov 05, 2021
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Amy Briscoe
Nov 04, 2021
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Desiree Bell
Oct 27, 2021
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Nathan Ratzlaff and the First Family Mortgage Team are the best!
Nathan Was great throughout our whole closing process and remains the same with any and all questions and concerns we may have!
Nathan and the First Family Mortgage Team are truly GOD! sent to handle all your needs!
Thanks,
Craig and Desiree Bell
Nathan Was great throughout our whole closing process and remains the same with any and all questions and concerns we may have!
Nathan and the First Family Mortgage Team are truly GOD! sent to handle all your needs!
Thanks,
Craig and Desiree Bell
Sherrie Johnson
Oct 26, 2021
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When other lenders advised me a VA construction loan was impossible, Jason and his team had the answers I wanted to hear within an hour. They were great communicators, never left me in the dark about the next steps. I am excited our closing date is here and construction to begin shortly!! Thanks so much!!!
Logan Boudreaux
Oct 05, 2021
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John Terrell
Jul 07, 2021
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I am very pleased with Family First Mortgage. They are so helpful and caring and very trustworthy. I wish I would have refinanced with Family First my first refinance. I am so thankful to have met them and work with them. I couldn't have found a better mortgage company. I highly recommend working with Family First Mortgage.
J. Greene
Jul 07, 2021
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Jason was the best!! He's knowledgeable, works diligently and he went above & beyond answering questions and explaining everything with me via phone not just email especially as a first-time buyer. He was always responsive! Kudos to Family First Mortgage!! I highly recommend them! Thanks for everything!!
Naomi Thomas
May 15, 2021
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Jason Alexandria is the best they have around. Always there too help you in anyway he can. Very inspiring and don't let you give up or give up on you. He make your dream come true. Very helpful and show you that giving up is not a option. Thanks Mr. Jason. May God continue blessing you and your family.
