Every Loan Program.
One Trusted Team.
We shop across multiple lenders to find the right fit for your situation, whether you're buying your first home, investing, or refinancing.
Loan Programs
Find the Right Loan for Your Situation
Not sure which program is right for you? Take the quiz and we'll match you to the best option based on your goals, credit, and down payment.
Government · Purchase
FHA Loan
The most accessible path to homeownership. Low down payment, flexible credit requirements, and government-backed security. A great starting point for first-time buyers and anyone building their credit history.
Government · Purchase
VA Loan
Earned through service. If you or your spouse served in the US military, the VA loan offers $0 down payment, no private mortgage insurance, and competitive rates, one of the strongest benefits available to veterans.
Government · Purchase
USDA Loan
Zero down payment for eligible rural and suburban Louisiana buyers. If you're buying outside of a major city, there's a good chance you qualify. USDA loans are income-based with low mortgage insurance costs.
Conventional · Purchase
Conventional Loan
The standard loan for buyers with strong credit. Put as little as 3% down, avoid MIP if you reach 20% equity, and choose from fixed or adjustable rates. Ideal for buyers who don't qualify for or want government-backed loans.
Purchase · Specialty
First-Time Home Buyers
Buying your first home? We walk you through every step, from understanding your credit score to picking the right loan program. Down payment assistance, special programs, and a team that explains things in plain English.
Conventional · Purchase
Jumbo Loan
For high-value properties that exceed conforming loan limits. Jumbo loans require stronger credit and a larger down payment, but they open the door to luxury homes and larger purchases with competitive rates.
Conventional · Purchase
30-Year Fixed
The most popular mortgage in America. Lock in a rate today and your principal and interest payment never changes for the life of the loan. Lower monthly payments spread over 30 years, ideal for long-term stability.
Conventional · Purchase
15-Year Fixed
Pay off your home in half the time and save significantly on total interest. The tradeoff is a higher monthly payment, but you'll build equity fast and typically get a lower interest rate than a 30-year loan.
Refinance
Cash-Out Refinance
Turn the equity you've built into cash. Refinance your existing mortgage for more than you owe and walk away with the difference. Use it for home improvements, debt consolidation, education, or anything else you need.
Refinance · Specialty
HELOC
A Home Equity Line of Credit works like a credit card backed by your home. Borrow what you need, when you need it, and only pay interest on what you use. Great for ongoing projects or a financial safety net.
Investment · Specialty
DSCR Loan
Qualify based on your property's rental income, not your personal income. Debt Service Coverage Ratio loans are built for real estate investors who want to grow a portfolio without traditional income documentation.
Specialty · Non-Traditional
Non-QM Loans
Don't fit the conventional mold? Non-QM loans are designed for self-employed borrowers, investors, and anyone with unique income situations. Bank statements, 1099s, or assets can qualify you.
Refinance · Specialty
Home Equity Loan
Access your home's equity without replacing your first mortgage. A home equity loan sits behind your primary loan and lets you borrow a lump sum against the equity you've built, without touching your existing rate.
The 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 minute you submit it.
- Starts with a soft credit check, so your score is never touched
- We compare the programs you qualify for instead of pushing one
- Upload documents with your phone camera, no scanner needed
- You hear back from Channing, not from a call center queue
If the numbers say wait, I'll tell you that too, and then we make a plan to fix whatever is in the way.
Complete Your Application
Five short steps. Most people finish in about fifteen minutes.
- Tell us what you're looking for
- We compare your programs
- 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.
Real Closings
Real Clients.
Real Closings.
Real families we have helped get from pre-approval to keys in hand.
Find Out Where You
Actually Stand
A soft credit check tells you what you qualify for before anyone pulls hard credit. If the numbers say wait, I will tell you that too, and then we make a plan to fix whatever is in the way.
I Want to Buy a HomeMortgages by Channing · 337-476-2623 · Licensed across Louisiana · NMLS #1457759
