Business Details
25 Years
experience
Your Trusted Mortgage Broker in Baton Rouge, LA
Founded in 2001, Assurance Financial has redefined mortgage lending through a customer-centric approach combining in-house expertise with cutting-edge technology. As a Fannie Mae/Freddie Mac seller/servicer-approved and Ginnie Mae issuer-approved mortgage banker, we maintain full control over the loan process from origination to servicing. Our 23 locations across 36 licensed states support 100+ loan officers delivering personalized solutions for 9,100+ annual closed loans. Recognized by National Mortgage News as a top 50 Best Mortgage Company to Work For and Experience.com as a Top Mortgage Company for Customer Satisfaction, we maintain an A+ BBB rating while pioneering innovations like our state-of-the-art online application system.Our commitment extends beyond transactions through community initiatives like our St. Jude Children's Research Hospital partnership, having donated over $690,000 through our Apps for Kids program since 2018.
Services
Mortgage Loans
Refinancing
FHA Loans
VA Loans
Conventional Loans
Jumbo Loans
USDA Loans
Non-QM Loans
Construction Loans
Home Equity Loans
Details
- Year established: 2001
Highlights and features
- 24 years of mortgage banking experience since 2001
- In-house loan processing from application to funding
- A+ rating from Better Business Bureau
- Proprietary digital mortgage application technology
- Recognized top workplace by National Mortgage News
Associations and certifications
- Fannie Mae
- Freddie Mac
- Ginnie Mae
- Better Business Bureau
What people say
Amazing team
Outstanding job
Quick and professional
Great communication
Highly recommend
Services
Mortgage Loans
We offer comprehensive mortgage solutions for home purchases and refinancing. Our loan experts help clients navigate conventional, FHA, VA, and USDA loan options with personalized guidance. With competitive rates and streamlined processes, we help 61,903 satisfied homeowners achieve their goals since 2001.
Refinancing
Our refinancing specialists help homeowners reduce monthly payments or access home equity. We offer rate-and-term refinancing and cash-out options with transparent closing cost breakdowns. Our digital tools provide instant savings estimates while loan officers explain complex terms like loan-to-value ratios.
FHA Loans
We specialize in FHA-insured mortgages requiring lower down payments and credit scores. Our counselors explain FHA requirements and help first-time buyers qualify for 3.5% down payment options. We maintain 98% approval rates for FHA applications through proper documentation preparation.
VA Loans
As top VA lenders recognized by the Department of Veterans Affairs, we help service members access zero-down payment mortgages. Our dedicated VA specialists process entitlement certificates and explain benefits like no private mortgage insurance requirements for eligible borrowers.
Construction Loans
Our construction loan division finances custom home building projects. We coordinate with contractors through draw schedules and provide permanent financing conversion upon completion. Our team explains different construction loan types including 'one-time close' options that save closing costs.
People
Kenny Hodges
Founder, CEO
With over 20 years in mortgage banking, Kenny established Assurance Financial to combine technology with personalized service. He leads strategic growth while maintaining our core value of putting customers first through industry challenges.
Steve Ward
President
Steve oversees daily operations with 25+ years of mortgage leadership. He focuses on maintaining our 'People People' culture while expanding state licenses and improving digital mortgage platforms for better customer experiences.
Chad Hebert
Chief Financial Officer
CMB-certified Chad manages financial operations with expertise in mortgage risk management. He ensures regulatory compliance while optimizing loan pricing strategies that have helped maintain our A+ BBB rating.
Jim Clapp
Chief Lending Officer
Jim leads our 100+ loan officers with 30 years of industry experience. He develops training programs that help our team achieve 9100+ annual closed loans while maintaining high customer satisfaction scores.
Courtney Henson
Chief Administrative Officer
Courtney manages HR operations and employee engagement initiatives. She oversees our 'Best Places to Work' recognition programs and coordinates community outreach efforts like our St. Jude partnership.
Questions
How quickly can I get pre-approved for a mortgage?
Our online prequalification takes 15 minutes with instant rate quotes. Full pre-approval requires additional documentation but typically completes within 24-48 hours.
What loan types do you offer?
We provide conventional, FHA, VA, USDA, jumbo, non-QM, construction, and home equity loans. Our loan officers help determine which option best fits your financial situation.
Can I apply for a mortgage entirely online?
Yes, our mobile-friendly platform allows complete digital applications. You can also choose in-person assistance with local loan officers available in 36 states.
How do you determine mortgage rates?
Rates depend on market conditions, loan type, credit score, and loan-to-value ratio. Our rate transparency tools show how these factors affect your specific rate quote.
What are your closing cost estimates?
Closing costs typically range 2-5% of loan amount. We provide detailed Loan Estimates within 3 days of application and explain all fees during the process.
Do you offer first-time homebuyer programs?
Yes, we offer specialized programs with down payment assistance and lower credit score requirements. Our counselors explain local and federal first-time buyer incentives.
