Home / Where we lend / Louisiana / Lafayette
Lafayette home loansLafayette Mortgage & Home Loans
Acadiana financing, including self-employed files.
The Lafayette market — and how we finance it.
Lafayette is the commercial center of Acadiana, with an economy historically tied to energy services and increasingly diversified into healthcare and technology. Energy-linked income can be variable year to year, which is exactly the kind of file that generic underwriting handles badly.
Energy-services professionals and business owners with variable income, healthcare employees, and first-time buyers across the parish.
Licensed in Louisiana. Ignite Loan Partners, NMLS #2381991. Equal Housing Opportunity.
Popular loan programs in Lafayette.
Lafayette mortgage questions.
My income swings with the energy cycle. Can I qualify?
Often yes. Variable or seasonal income is a documentation problem, not necessarily a disqualifier. Bank-statement programs look at deposits over time rather than a single tax year, which usually reflects a self-employed energy professional far better.
Do you finance property with acreage outside Lafayette?
Yes, though acreage, outbuildings, and well or septic systems affect which programs fit. We identify that at the start so the appraisal doesn't stall the file.
Michael Kerby
Founder & President · NMLS #1163561
A decade-plus of mortgage leadership, focused on communication and on-time closings. Serving Lafayette, Louisiana and the surrounding market.
Buying or refinancing in Lafayette?
Start a quick, no-pressure application and we'll map the right path for your Lafayette purchase or refinance.