Business Details
22 Years
experience
Your Trusted Mortgage Partner in Lafayette, LA
Family First Mortgage has served Lafayette, Louisiana and surrounding areas since 2004, delivering personalized mortgage solutions with over 70 years of combined team experience. Our commitment to providing competitive rates and fees is matched by our dedication to client service, evidenced by 182 five-star Google reviews. We specialize in conventional, FHA, USDA, and VA loans, serving first-time buyers and experienced investors across Louisiana and Texas. Our faith-driven approach emphasizes community impact, treating every client like family while maintaining rigorous professional standards.As a locally owned business, we combine national loan program expertise with deep regional market knowledge. Our team's certifications and ongoing training ensure compliance with evolving industry regulations. We prioritize transparent communication, maintaining strict data security protocols to protect client information throughout the lending process.
Services
Conventional Loans
FHA Loans
USDA Loans
VA Loans
Refinance Options
Details
- Year established: 2004
Highlights and features
- We've funded $1 billion+ in loans since 2004
- Our team holds 182+ five-star Google reviews
- We offer personalized mortgage solutions for all buyers
- Our local expertise spans Louisiana and Texas markets
- We maintain strict data security and compliance standards
Associations and certifications
- NMLS #110317
What people say
Knowledgeable professionals
Stress-free process
Highly recommend
Excellent team
Personalized service
Services
Conventional Loans
Conventional loans offer flexible terms for qualified borrowers. With down payments starting at 3%, these mortgages suit buyers with strong credit histories. Our team provides personalized guidance through the application process, ensuring competitive rates and clear documentation requirements for home purchases or refinancing.
FHA Loans
FHA loans provide accessible homeownership opportunities with 3.5% down payments. Designed for borrowers with moderate credit scores, these mortgages feature competitive interest rates and flexible qualification criteria. Our specialists help clients navigate FHA requirements and secure affordable financing solutions.
USDA Loans
USDA loans offer 100% financing for eligible rural and suburban properties. These zero-down mortgages include favorable mortgage insurance terms and fixed-rate options. Our experts verify property eligibility and assist applicants through USDA-specific documentation requirements for qualified buyers.
VA Loans
VA loans provide exclusive benefits for military veterans and active-duty personnel. Featuring zero down payment requirements and no private mortgage insurance, these loans offer competitive rates up to $806,500. Our certified specialists streamline the VA approval process for eligible service members.
Refinance Options
Our refinance programs help homeowners reduce monthly payments or access equity. Offering rate-and-term and cash-out refinancing, we analyze current market conditions to optimize clients' financial positions. The process includes detailed rate comparisons and closing cost evaluations for informed decisions.
People
Chris Chustz
Founder & Owner
Chris Chustz founded Family First Mortgage in 2004, leading with over 20 years of mortgage industry experience. A Lafayette resident, he emphasizes community impact through faith-driven business practices. His leadership focuses on personalized client service and mortgage education.
Questions
What mortgage loan options do you offer?
We provide conventional, FHA, USDA, and VA loans with competitive rates. Our specialists help clients choose the best program based on individual financial situations and homeownership goals.
How does the mortgage application process work?
Start with a free consultation to review your financial profile. We'll help you select the right loan program, complete the application, and guide you through documentation requirements for a smooth approval process.
Can I refinance my existing mortgage?
Yes, we offer rate-and-term refinancing to reduce payments and cash-out options for accessing home equity. Our team analyzes current market rates to determine if refinancing would benefit your specific situation.
What credit score do I need for a mortgage?
Minimum credit scores vary by loan type: 620 for conventional, 600 for FHA, and 620 for USDA loans. VA loans typically require 620+ scores, though specific requirements may vary based on individual circumstances.
Do you offer mortgage services outside Louisiana?
We serve Texas markets including Houston, Dallas, and Austin, in addition to Louisiana locations. Our team provides consistent service quality across all operating regions with local market expertise.
How long does mortgage approval take?
Pre-approval typically takes 1-3 business days. Full loan approval duration varies based on documentation completeness and underwriting requirements, with average timelines ranging from 30-45 days for conventional loans.
