Not just another mortgage company
In an industry saturated with conventional approaches, we strive to transcend the typical mortgage company label. Our ethos revolves around personalized service, tailored solutions, and genuine care for our clients' financial well-being.
Lending With Confidence!!!
About
Intelligent Mortgage is the most diverse mortgage company in the region because of our endless array of aggressive loan programs. We are also consistently the price leader in both low rates and low up front closing costs. Intelligent Mortgage truly stands by our promise, people over profits to continue to beat all the larger mortgage lenders in price, service and simplicity!
Lending With Confidence!!!
Loan Products
FHA Loans
FHA loans are government-backed mortgages designed to help individuals with lower credit scores or smaller down payments qualify for home financing.
Conventional Loans
Conventional loans are mortgage loans not insured or guaranteed by the government, typically requiring higher credit scores and larger down payments compared to FHA loans.
USDA loans are mortgages offered by the United States Department of Agriculture, providing financing options for rural and suburban homebuyers who meet income and property eligibility criteria.
USDA Loans
VA Loans
VA loans are mortgages guaranteed by the Department of Veterans Affairs, offering favorable terms and low or no down payment options to eligible military service members, veterans, and their families.
USDA Loan
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1:1 mortgage consultation
We understand that it can be tough making a decision in today's market. That's why we offer a variety of offerings to fit your needs. We want to make sure that you get the best deal possible on your mortgage. If you're interested in learning more about our company, please contact us for a free consultation to learn about your options!
Talk soon!
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Unlocking The Path To Homeownership
The dream of owning a home is one that many people hold dear. We understand how important this is to you, and we’re here to help you find a way to make it a reality. Let's work together to unlock the path to homeownership, so you can achieve this goal and create a place that you can truly call your own.
Discover the key to unlocking your dream home with Intelligent Mortgage - your ultimate guide to homeownership. Let's explore the journey towards your own piece of paradise together!
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Down Payment Assistance
Grant program provides up to 3.5% down
payment for FHA Financing
- Forgivable 2% or 3.5% Grant
- Minimum 620 FICO Score
- Option for no money out of pocket at closing with seller credit
- First time homebuyers, First responders,
- Educators, Military personnel
- 1-2 Units
- Up to 6% Seller Contribution
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1% Down Payment Option
You need a qualifying FICO® Score of 620 or
better.
This is for single-unit primary residences only.
When combined with our 2% grant, your initial
down payment can be no more than 5%.
There's a $350,000 upper loan limit on this conventional option.
This loan option has several benefits. Chief among them is the ability to put down as little as 1% and get into a home.
Intelligent Mortgage is providing a grant of 2% of the purchase price. Under this scenario, you would enter your home
with 3% equity. Clients who qualify may contribute up to 3% toward a down payment while still receiving the 2% grant.
This is available for both first-time and repeat home buyers. There are no restrictions on where you can live or where
you move from. The program is available nationwide.
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The Intelligent 2-1 Temporary Buydown
Funded by the lender
Only 3% down payment
required
Not restricted to first-time homebuyers
Gifts or grants accepted
Flexible qualifying
income
1% LLPA credit option still
available
Minimum credit score of
620 required
Note
Rate
5.875%
Year 1
2%-Note
Rate
3.875%
Year 2
1%-Note
Rate
4.875%
Year 3
Note
Rate
5.875%
2-1 BUYDOWN PAID BY US
How does it work?
Your effective rate is reduced by 2% below the note rate in the first year and 1% below the note rate in the second year!
HomeReady and Home Possible purchase loans. Loan amount $350,000 or less, income less than or equal to 80% Area Median Income.
Lender pays for the buydown, Borrowe/Seller does not have to pay.
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USDA Loan
Program Highlight
- 100% Financing
- No Down Payment Required
- Manual Underwriting Okay!
- Manufactured Home Okay! (under USDA Pilot Program)
- 580 Minimum FICO
- Seller paid closing costs up to 6% of loan amount
Achieve Homeownership With Flexible Financing Today!
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- Short-Term Rentals Allowed
- 2% Financed Points/Buydown
- No PPP Term Available
- Up To 8 Units
- Any AMC Allowed
- Hard Money Takeout To 80%
Investor Loans
DSCR LOAN PROGRAM
Our Debt Service Coverage Ratio (DSCR) loans offer enhanced flexibility for real
estate investors. We quailfy borrowers using property cash flow and require no
additional income.
- Minimum Credit Score: 620
- 80% LTV - Purchase & Rate/Term
- DSCR Down To 0.75%
- 80% Cash Out
- Qualify With 40 Year 10 Payment
- Unlimited Properties Owned Allowed
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Partner with us
Being more than just a loan officer is central to my approach to client relationships. It's about recognizing that behind every loan application is a person with dreams, aspirations, and financial goals. I strive to be a trusted ally, offering not only lending expertise but also genuine empathy and support. Whether it's guiding someone through their first home purchase or helping a small business owner secure financing for expansion, I'm committed to understanding their unique circumstances and providing personalized solutions. Building meaningful connections and seeing clients achieve their objectives is what truly drives me beyond the confines of my role as a loan officer.
Mailing Address
306 N. Burnside Ave, Gonzales, LA 70737
Phone Number
Email Address
Apply Here
Company NMLS
1094177
2532696
Individual NMLS
Lending With Confidence!!!