Mortgage Options & Working with a Broker
Hey there, friend! Feeling a little lost in the world of mortgages? Don’t worry—we’ve got your back. Think of us as your financial wingman: here to simplify, shop around, and guide you every step of the way.
What is a Mortgage Broker?
A mortgage broker is your personal financial guide. Instead of walking into one bank and taking their single offer, we shop across multiple lenders to find the best loan products, interest rates, and terms that fit your unique situation. Think of it like a matchmaker between you and the lender.
We explain the jargon, handle the heavy lifting, and streamline the paperwork so you can focus on your home search. And because we work for you—not the bank—we have a fiduciary obligation to put your best interests first.
Conventional Loans
Flexible terms, competitive rates, and options for as little as 3% down. Perfect for borrowers with solid credit and income.
FHA Loans
Government‑backed financing designed for first‑time buyers or those with less‑than‑perfect credit. Low down payment options available.
VA Loans
Exclusive to eligible veterans, service members, and surviving spouses. $0 down, no PMI, and highly competitive rates.
USDA/Rural Development Loans
$0 down financing for homes in USDA‑eligible areas across Louisiana. Great for buyers in suburban and rural communities.
Jumbo Loans
For higher‑priced homes exceeding conforming loan limits. Tailored underwriting and terms for well‑qualified buyers.
Specialty Options
Investor‑focused programs like DSCR and Bank Statement Loans, plus renovation loans and manufactured housing financing.
Why Use a Broker Instead of Going Direct?
- Save Time: We handle the lender shopping and paperwork.
- Save Money: Multiple options mean better rates and terms tailored to you.
- Less Stress: We break down the jargon and guide you step‑by‑step.
- Fiduciary Duty: Our role is to advocate for you—not the bank.
Ready to Explore Your Options?
From first‑time buyers to seasoned investors, Parish Lending has the tools, lenders, and know‑how to guide you home.