Channing Moore Mortgage Broker
Getting A Mortgage Is Confusing. Working With Me Isn't.
Most people go into this assuming they're supposed to already understand it. You're not. I'll walk you through every number until you could explain it back to me, and you'll never sign anything you don't understand.
Soft credit check. No impact to your credit. Apply in minutes.
The Problem
Most Buyers Leave Money On The Table Because They Stop At The First Lender.
Banks and retail lenders can only offer you what they have. As a mortgage broker, Channing shops your loan across multiple wholesale lenders, comparing programs, rates, and fees to find what actually fits your situation. That difference shows up in your monthly payment, closing costs, and how long you pay PMI.
- Confused by FHA vs. conventional vs. VA, and which is actually better for you?
- Worried your credit score or down payment isn't enough?
- Getting different answers from every lender you talk to?
- Not sure if you're getting the best rate, or just the easiest one?
Real Results
Buyers Love Working With Us
It was a pleasure working with Channing and Monica! Very knowledgeable people!
Such an amazing personal and trustworthy to there core they were super attentive and walked us through the whole process and patient with all questions asked.
Channing and the team helped us with our first home purchase. They were very responsive and helpful. We were so happy with how fast and efficient every step was.
Highly recommend Channing and Monica to help you get the home of your dreams. They work hard to get you all the information quickly so that you can close the deal!
Channing and Monica were outstanding! On top of every detail, explained everything so wonderfully, super helpful and patient. They made things infinitely less stressful!
As scary as it is buying a home for the first time, the whole process was WAY easier than I ever thought it would be. Channing answered every question I had.
Loan Programs
Every Loan Type. One Local Expert.
Whether you're buying your first home, refinancing, or building an investment portfolio, Channing has the right program. As a full Lake Charles mortgage lender with 25+ loan programs, we compare options side by side so you see the real numbers before you commit.
FHA Loan
The go-to for first-time buyers and anyone with a 580 to 680 credit score. Low down payment, flexible DTI, and straightforward guidelines.
Learn MoreConventional Loan
Best long-term value for 680+ credit. PMI cancels at 20% equity, unlike FHA. Works for primary, second home, and investment.
Learn MoreVA Loan
The best mortgage in America for veterans and active-duty service members. Zero down, no PMI, competitive rates.
Learn MoreUSDA Loan
Zero down payment for rural and suburban buyers within USDA income limits. Great alternative to FHA for qualifying areas.
Learn MoreJumbo Loan
For loan amounts above the $766,550 conforming limit. Luxury homes and high-value properties.
Learn MoreNon-QM Loan
Self-employed, 1099, or recent credit event? Non-QM loans use bank statements, asset depletion, or alternative income docs, for borrowers who don't fit the standard box.
Learn MoreRate & Term Refi
Lower your rate, shorten your term, or both. If rates have dropped since you closed, we'll run the numbers to see if refinancing makes sense.
Get My RateCash-Out Refinance
Tap your home's equity to consolidate debt, fund renovations, or cover major expenses. Available on primary residences and investment properties.
Learn MoreVA IRRRL
The VA Interest Rate Reduction Refinance Loan is one of the fastest, simplest refinances available, with no appraisal required in most cases.
Learn MoreFHA Streamline
Existing FHA borrowers can refinance to a lower rate with minimal documentation and no appraisal required. Fast, straightforward, low cost.
Learn MorePMI Removal Refi
If your home has appreciated since you bought it, you may be able to refinance out of PMI and lower your total monthly payment significantly.
Get StartedNot Sure?
Tell us your current rate and loan details. We'll run a breakeven analysis and tell you straight whether refinancing makes financial sense for you.
Run My NumbersDSCR Loan
Qualify based on rental income, not your personal income. No tax returns, no employment verification. Available well past Louisiana, so tell me the state and I'll check it.
Learn MoreInvestment Conventional
Conventional financing for 1 to 4 unit investment properties. Lower rates than hard money with full 30-year amortization.
Learn MoreFix & Hold
DSCR loans work for properties that need light to moderate renovation. Buy, renovate, and hold with long-term financing from day one.
Learn MoreShort-Term Rental
DSCR lenders count Airbnb and VRBO income. We source lenders who will qualify your STR property using market rent or actual rental history.
Learn MoreOut-of-State Investing
Cash-flow markets do not stop at a state line. Our DSCR product reaches well past Louisiana, so you can buy where the numbers work rather than where you happen to live.
Learn MoreBlanket / Portfolio
Own multiple properties? Ask about blanket loan options for scaling your portfolio without refinancing each property individually.
Ask UsThe Application
Apply From Your Phone In Fifteen Minutes
The whole application runs on your phone. Snap photos of your documents, connect your bank, and you're done. It reaches me the moment you submit it.
- Starts with a soft credit check, so your score is never touched
- You see exactly where you stand before anyone pulls hard credit
- Upload documents with your phone camera, no scanner needed
- You hear back from Channing, not from a call center queue
Complete Your Application
Five short steps. Most people finish in about fifteen minutes.
- Tell us what you're looking for
- Soft credit check, no score impact
- Upload your documents
Your pre-approval letter is ready. I sent it to your email and to your agent.
Got your application. I'm reviewing it now and will call you this afternoon.
Simple Process
Getting A Mortgage In 3 Simple Steps
No confusing paperwork trails. No surprise fees. Just a clear path from your first conversation to the day you get your keys.
Review Your Profile
We look at your credit, income, down payment, and goals, then run FHA, conventional, VA, and USDA side by side so you can make an informed decision before you apply.
Get StartedGet Pre-Approved
We issue a pre-approval letter that gives sellers and Realtors confidence you're a serious, qualified buyer ready to move, not just browsing.
Get StartedClose & Get Your Keys
We manage the file from contract to closing, coordinating the appraisal, title, and underwriting so you're never left wondering what's happening next.
Get StartedAbout Channing
A Broker Who Works For You. Not A Bank.
Channing Moore is a licensed mortgage broker, which means we work for you, not a lender. We don't have products to push or quotas to hit. We have one job: find the loan that makes the most sense for your situation and get you to the closing table.
The details, since they matter: FHA, VA, USDA, and conventional loans in the states we are licensed in, DSCR investor loans well past Louisiana, and a soft credit check to start so nothing hits your report until you decide to move forward. Whether you're buying your first home or building a rental portfolio, we've got the programs and the lender access to make it work.
- Your loan gets shopped to lenders who want it, instead of slotted into whatever one bank happens to sell
- You see FHA, VA, USDA, and conventional side by side with your actual numbers before you commit to one
- A tax return that understates what you earn doesn't end the conversation
- You can buy where the numbers work, not only where you happen to live
- You find out where you stand without your credit score paying for it
- You call, Channing answers, including on a Saturday when the deal is live
"My goal is simple. Help every family understand their real options, find the best rate, and feel confident about one of the biggest financial decisions they'll ever make. That's it."
Verified Reviews
Lending
by 2027
Real Closings
Real Clients.
Real Closings.
Real families we've helped get from pre-approval to keys in hand.
For Realtors & Referral Partners
A Lender Your Clients Will Thank You For.
Channing and his team are built to make Realtors look good. Clear communication from contract to close, and a broker who actually picks up the phone.
Your Buyer Can Write Tonight
Your clients won't lose a house because the lender was slow. We move fast so you can move fast.
You Never Chase Us For An Update
No voicemail black holes. No call centers. We answer when you call, including on weekends when deals are happening.
More Of Your Clients Get Approved
FHA, VA, USDA, conventional, DSCR. We have more tools than a retail lender, which means more of your clients get approved.
Become A Referral Partner
- Pre-approval letters that keep your deals moving
- We compare multiple programs, so your client always gets the best fit
- Real-time updates throughout the transaction, with no chasing us
- We keep you posted all the way to the closing table, which is how we earn repeat referrals.
- Wherever your listings are, in the states we are licensed in
- Dedicated Realtor partner line, straight to Channing
Start Your Mortgage Today
Wherever you're buying, Channing shops it across multiple wholesale lenders and finds your best rate. Fifteen minutes gets you a real number instead of a guess, and the soft credit check costs your score nothing.