Gulf Mortgage Group Can Finance or Refinance Your Prairieville LA Home

Real Estate Agent with Baton Rouge Area Homes, Louisiana, USA, 225-761-0551

Gulf Mortage Group Can Finance or Refinance Your Prairieville LA Home

Gulf Mortgage Group Prairieville, LA



Are you thinking of refinancing your home or financing a new home in Prairieville, LA?  Gulf Mortgage Group can help you take advantage of a favorable rate environment.

A conversation with David Brian, Managing Partner of Gulf Mortgage Group, guest of Ann Dail, Broker, Owner of Baton Rouge Area Homes, LLC.


Services Offered:  We are a mortgage brokerage firm offering financing options to meet virtually any kind of residential mortgage need.  If you are looking to purchase, refinance, start a new construction project or finance home improvments, we can help you find the best deal.

What is the difference between a mortgage broker and a lender?  A mortgage broker counsels you on the loans available from different wholesalers, takes your application, and usually processes the loan which involves putting together the complete file of information about your transaction including the credit report, appraisal, verification of your employment and assets, and so on. When the file is complete, but sometimes sooner, the lender "underwrites" the loan, which means deciding whether or not you are an acceptable risk.

Gulf Mortgage Group Office Prairieville LA

Location & Area Served:  We are located at 38034 Post Office Road, Suite A, Prairieville, LA and have been in business since 2002.  We are licensed to do home mortgage loans in Louisiana and are offering Conventional, FHA, VA and Rural Development loans.  We are convenient for customers in Prairieville, Gonzales, or South Baton Rouge.

How do customers decide which of those loan options is best for them?  At Gulf Mortgage, we will walk each customer through the options to make sure they make the best choice, but here's a brief explanation of each.

  • Conventional mortgages are traditional loan programs that usually require 5% down and offer competitive interest rates. Documentation and excellent credit are necessary.
  • FHA mortgages are backed by the Department of Housing and Urban Development. This mortgage offers the borrower the ability to put as little as 3.5% down payment – and they can even finance “allowable” closing costs. Sellers can contribute up to 6% of the purchase price to the buyer towards closing costs. Credit requirements are more leneint than on conventional mortgages.
  • VA Mortgages are backed by the Veterans Administration and the federal government, it is similar to FHA except that you have to be a qualified Veteran or military person.
  • Rural Development Loans offer 100% financing for first time buyers.  Also, the PMI requirements are lower, which keeps the monthly notes lower.
Gulf Mortgage Group Finances Prairieville LA homes

How do customers figure out how much home they can afford, what their down payment should be and what their payments will be?  We can help with that and will walk the customer through those decisions as part of our process.  Also, there are some good calculators on our website.
What can people expect when they contact you?  When you contact Gulf Mortgage Group, you will be put in touch that same day with one of the partners who will offer to set up an appointment to review your individual needs.  There is no cost up front for the initial consultation.  Throughout your mortgage process, you will be contacted by an assigned loan processor as well as one of the partners with updates on your loan progress.

What advice do you have for customers who are interested in financing or refinancing home? We are simply a phone call away from either saving you money on your home refinace or getting you into your new home.  Don't hesitate to call us.
What is new in residential financing?  What trends do you expect to see in the next 1-2 years?  We are anticipating that both rates and home prices will rise over the next few years as the economy continues to strengthen.
David Brian with realtors at crawfish boilCompany Ownership:  Gulf Mortgage Group is locally owned and operated by David Brian and Todd Villar.  With over 20 years in the mortgage business, we pride ourselves on working referrals from past customers.  So we work hard to make sure each customer has a great experience.  If you or someone you know is thinking of buying or refinancing a home, call me at 225-744-3541.  You can also visit our website at to see what we can do to help you with your mortgage needs. We offer after-hours appointments to help fit our customers' schedules.
Gulf Mortage Group can finance or refinance your Prairieville LA home. Just give them a call!

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Ann Dail

Broker/Realtor,CRS, ePRO, SRS, B.A.Chem
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