James Desormeaux Eustis Mortgage

James Desormeaux Eustis Mortgage With dedication to our clients' real estate aspirations, we empower them with bespoke financial solutions.

The vision is to transcend mere transactions, establishing deep-rooted financial partnerships that support our clients' long-term goals.

Floor plans. Paint colors. Cabinet finishes. You already have plenty to decide. Your financing can be the simple part.Wi...
09/02/2026

Floor plans. Paint colors. Cabinet finishes. You already have plenty to decide.

Your financing can be the simple part.

With a Conventional One-Time Close Construction Loan:

• One loan
• One closing
• One set of closing costs
• Down payments as low as 10%

Purchase a lot and build or build on land you already own. Eligible land equity may count toward your down payment.

Thinking about building a home? Reach out, and let’s get your plans moving.

Before you start touring homes, get pre-approved! Think of it as your first step toward buying with confidence and under...
09/02/2026

Before you start touring homes, get pre-approved!

Think of it as your first step toward buying with confidence and understanding your price range.

Ready to find out what you can afford? Let’s get you pre-approved!

08/31/2026

Voicemails as a loan officer…never a dull moment!

LOANSPLAINING: All-In-One Renovation LoanNow that we know what an All-In-One Renovation Loan is, what actually counts as...
08/28/2026

LOANSPLAINING: All-In-One Renovation Loan

Now that we know what an All-In-One Renovation Loan is, what actually counts as an upgrade?

Depending on the program, eligible upgrades may include things like:

• Kitchen + bathroom updates
• Roofing
• HVAC, plumbing + electrical
• Repairs + modernization
• Energy-efficient upgrades
• Accessibility improvements
• Certain exterior + site improvements

That can leave a lot of room for turning the house you found into the house that works for you.

Have a project list in mind? Let’s see what may be eligible.

Once you’re in the mortgage process, a few seemingly small financial decisions can create unnecessary headaches.Thinking...
08/27/2026

Once you’re in the mortgage process, a few seemingly small financial decisions can create unnecessary headaches.

Thinking about opening a credit card? Changing jobs? Buying a car? Moving money between accounts?

Talk to your lender first to avoid issues later!

08/25/2026

POV: the kind of calls I get when I’m already drowning in work🤣

Mortgage life. Never a dull moment. 🥴

Some of the best homes are the ones everyone else overlooked. The location is right. The layout works. It just needs som...
08/24/2026

Some of the best homes are the ones everyone else overlooked. The location is right. The layout works. It just needs someone who can see what it could be.

A successful renovation starts with a solid plan, including how the work will be financed.

With a renovation loan, the purchase price and renovation costs are combined into one loan. The loan amount is based on the home’s expected value after the renovations are complete.

One closing. One loan. One monthly mortgage payment for the home and the renovation.

Renovation loans aren’t limited to purchases. They can also be used with a refinance, combining the existing mortgage and eligible renovation costs into one new loan.

Found a home with potential? Reach out, and let’s see what’s possible.

Condo financing rules changed this year. Some things got easier, while others got stricter.These are a few of the bigges...
08/21/2026

Condo financing rules changed this year. Some things got easier, while others got stricter.

These are a few of the biggest updates, not a complete list of every guideline change.

THE BIGGEST CHANGE

Fannie Mae’s Limited Review and Freddie Mac’s Streamlined Review have been retired. Most attached condo projects with more than 10 units now require a Full Review, regardless of down payment. Projects with 10 or fewer units may qualify for a review waiver.

A Full Review takes a closer look at the HOA’s finances, insurance, structural condition, litigation, and delinquent assessments.

WHAT GOT EASIER

• No 50% owner-occupancy requirement for established projects

• Roofs no longer need replacement-cost coverage

• No inflation guard coverage requirement

WHAT GOT STRICTER

• Minimum reserve allocations increase from 10% to 15% beginning January 4, 2027

• HOA budgets must follow the highest reserve funding amount recommended by a reserve study

• Per-unit master policy deductibles cannot exceed $50,000

What if the condo project doesn’t meet Fannie Mae or Freddie Mac guidelines? You may still have options. Eustis Mortgage offers non-warrantable condo financing for eligible projects that don’t qualify for standard conventional financing.

Buying or listing a condo? Connect with us early so we can review the project and explore available financing options.



You don’t have to be ready to buy a house to talk to a lender.That’s kind of the point.Maybe you’re ready now. Maybe you...
08/21/2026

You don’t have to be ready to buy a house to talk to a lender.

That’s kind of the point.

Maybe you’re ready now. Maybe you need six months. Maybe there are a couple things we need to clean up first. Either way, I’d rather you know where you stand than spend the next two years assuming you’re “not ready.”

A conversation costs you nothing. And you might be a whole lot closer than you think.

Shoot me a message and let’s look at the numbers.

Looking for a flexible, popular mortgage option? A conventional loan could be a great fit. 🏡💳 Competitive rates for qual...
08/19/2026

Looking for a flexible, popular mortgage option? A conventional loan could be a great fit. 🏡

💳 Competitive rates for qualified buyers
💰 NO PMI depending on down payment
🔑 Lower fees

Not sure which loan is right for you? Let’s find out! Send me a message to explore your options.


Address

16851 Jefferson Highway #5B
Baton Rouge, LA
70817

Opening Hours

Monday 8am - 6pm
Tuesday 8am - 6pm
Wednesday 8am - 6pm
Thursday 8am - 6pm
Friday 8am - 6pm

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