Ameri Dream Mortgage, NMLS #2327577

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Lafayette, LA
Ameri Dream Mortgage, NMLS #2327577

A licensed residential mortgage broker based in Lafayette, Louisiana, serving communities statewide. Serving Those That Serve Us...

We specialize in VA loans and helping all Community Heroes by giving them a check back at closing.

09/03/2026

🏠Freddie Mac Manufactured Home Change
Effective September 2, 2026

This is a BIG change for manufactured home financing!

Freddie Mac now permits conventional mortgages on manufactured homes that have been moved from a previous site, as long as certain requirements are met:

• The home must be inspected for structural integrity by a licensed professional engineer or an appropriate local, state, or federal authority.

Bottom line: As of 09/02/2026, Freddie Mac allows a previously installed manufactured home that has been moved from another site, subject to these requirements.

📌 Freddie Mac Guide: Section 5703.2

We’ll see if our lenders are allowing this change yet. I’m checking with them now, and I’ll let you know what I find out.

For VA loans, we’ve already been able to do two moves on a manufactured home, with the required engineering certification.

Now, with this Freddie Mac change, we may also be able to do a Freddie Mac conventional loan with two moves...on a manufactured home. It does require the engineering certification, but this is HUGE because it potentially gives us another option Freddie Mac conventional financing option for manufactured homes that have been moved twice!

I’ll confirm how our lenders are handling this and keep you posted!

https://guide.freddiemac.com/app/guide/section/5703.2?utm_source

09/01/2026

🎉 Big News for Ameri Dream Mortgage, NMLS #2327577! 🎉

Please help us welcome Logan Menard to the Ameri Dream Mortgage family as our Processor! 🏡❤️

Yes…you read that right! One of our Menard children is officially joining the family business. 😭❤️

Logan is stepping into the mortgage world and will be working behind the scenes helping keep files moving, documents organized, and our client's homeownership journeys on track.

If you know our family, you know that family, community, and taking care of people are at the heart of what we do. We’re excited to watch Logan learn the business, grow professionally, and become another familiar face behind the Ameri Dream Mortgage name.

Welcome to the team, Logan! ❤️🏡

We’re so proud of you and excited to watch you grow in the mortgage business. We know you’re going to be a great addition to the Ameri Dream Mortgage team!

And yes…Mom AND Dad are officially his bosses. 😂❤️

Welcome to the family business, Logan! We’re excited to have you on board! 🏡🎉

08/27/2026

VA Loan Guideline Update for Collection Accounts

A recent update to VA guidance may help some Veterans who have collection accounts on their credit report qualify for a home loan.

For certain -non-medical collection accounts, the monthly payment calculation may now be based on 5% of the balance divided by 12, rather than 5% of the balance being counted as the monthly debt.

For example:

- Collection balance: $5,000
- Previous calculation: $250 per month
- Updated calculation: approximately $21 per month

That difference could significantly improve a borrower’s debt-to-income ratio and purchasing power.

This update will not apply to every situation, and lender requirements may vary. However, if collections previously prevented you from qualifying for a VA loan
-or reduced the amount you could afford
-it may be worthwhile to have your scenario reviewed again.

Know a Veteran who was denied because of collection accounts? Have them call me 337-257-1010

-Guidelines and lender overlays may vary. Qualification is based on the complete loan file.

VA loans for the win!!!
Who you work with matters

08/16/2026

Thank you to House Call House Call Home Inspection Acadiana for having Bridgett Menard, Mortgage Loan Officer NMLS #1256447 as a guest speaker this past week in person and webinar offered in many states! 🏡❤️And of course… we forgot to take a photo until several had already left! 😂🤦‍♀️Maria Pitre thank you for hosting us at Sure title office.

So, if you were there and didn't make it into the picture, please know it was NOT on purpose! We promise! ❤️
I absolutely LOVE teaching and sharing knowledge, especially when it comes to the **VA home loan**. Our Q&A session was such a great opportunity to talk through the questions real estate agents and their clients have when it comes to using VA financing.

If you're a real estate agent and would like to host a VA mortgage class for your office or team, **I would love to come teach!** 🎓🏡

I teach all across the great state of Louisiana! 🏡❤️

While I love helping with every loan program throughout Louisiana, VA financing will always have my heart. 🇺🇸❤️

From single-wide manufactured homes to larger single-family residences, investment properties, and multifamily homes, I love helping agents understand what is possible and how we can structure financing to help their buyers.

🇺🇸 VA
🏡 Conventional
🏠 FHA
🌾 USDA
🏘️ Manufactured Homes

Education is one of my favorite parts of what I do. I love getting in front of agents, answering questions, breaking down loan programs, and helping you feel more confident when navigating financing with your clients.

If you'd like me to come teach your office or if you have a client with mortgage questions, I'd love to help!

📲 337-257-1010

Thank you again to everyone who joined us. I truly appreciate you taking the time to be there, ask questions, and learn together! 🏡🇺🇸

📚 Let’s educate.
🏡 Let’s empower.
🇺🇸 And let’s help more families get home.

08/07/2026

🇺🇸⚜️ **Louisiana Veterans, Did you know about this??

If you served our country and are a Louisiana veteran, there is a special honor you may be eligible to receive:
The Louisiana Veterans Honor Medal.

And honestly, I think more Louisiana veterans need to know about this.

This medal is a way for our state to recognize those who have served and sacrificed for our country.

🎖️Ribbon Classifications:

🔵 Blue Ribbon: Honorable Discharge
🟣 Purple Ribbon: Purple Heart Recipient
⚫ Black Ribbon: Prisoner of War / Missing in Action
🟡 Yellow Ribbon: Killed in Action

🇺🇸 **Limit one medal per veteran.**

If you are a Louisiana veteran, or you have a veteran in your family, take a minute to check your eligibility and apply.

👉 **Apply through the Louisiana Department of Veterans Affairs:** https://vetaffairs.la.gov/louisiana-veterans-honor-medal

And PLEASE SHARE THIS!

You never know which veteran in your Facebook feed served honorably decades ago and has never heard about this.

**Your service mattered. Your sacrifice mattered. And Louisiana remembers. 🇺🇸⚜️**

07/27/2026

Life is a journey filled with incredible milestones, but the feeling of buying your first home is unforgettable. Give me a call to start your journey toward homeownership.

07/20/2026

If your four-legged friend needs more room to run this summer, give me a call. Let's explore how much home you can afford.

05/23/2026

We pause to remember the brave who gave everything and did not come home. Their courage remains with us, always. May we honor their memory by living with the same dedication and compassion they showed.

05/20/2026

VA Tip of the Day

One of the biggest misconceptions surrounding VA home loans is the belief that VA appraisals are “harder” or that Veterans should avoid homes because of the appraisal process.

The truth is much simpler.

VA appraisals are designed to protect the Veteran by helping ensure the home meets basic safety, sanitation, and structural standards outlined in the VA Lender Handbook (VA 26-7, Chapter 12). These are not luxury standards...they are minimum property requirements intended to help Veterans purchase homes that are safe, sound, and sanitary.

Here are several key VA Minimum Property Requirements every buyer and real estate professional should understand:

• The property must primarily be residential
• The home must have adequate living, sleeping, kitchen, and bathroom areas
• Electrical and plumbing systems must be safe and functional
• The heating system must adequately heat the home
• Safe water and proper sewage disposal are required
• The roof should have reasonable remaining economic life
• Crawl spaces and basements should be dry, vented, and accessible
• The property must have safe street access
• The home cannot have health or safety hazards
• Major structural or sanitation defects must be addressed
• Proper drainage away from the home is required
• There can be no active termites, dry rot, or fungus damage
• Chipped or peeling lead-based paint on pre-1978 homes must be corrected

💡 One important thing to remember:

Many of these issues can often be identified before the appraisal even takes place. A knowledgeable lender and experienced real estate team can help Veterans navigate potential concerns early, avoid unnecessary stress, and create a smoother path to homeownership.

And perhaps most importantly…

There is no such thing as a “VA Inspector.”

The VA appraisal is performed by a licensed appraiser whose responsibility is simply to ensure the home meets the VA’s minimum property requirements....standards created to help protect those who have served our country.

Veterans have earned this benefit through their service and sacrifice. They deserve education, guidance, and professionals who truly understand the VA loan process.

Who you work with matters.

If you or someone you know is considering using a VA home loan, we would truly love the opportunity to be your lender and help guide you through the process with honesty, education, and care.

📞 Contact Ameri Dream Mortgage today to learn more about your VA home loan benefits. Follow our page for more tips and advice.
Contact Bridgett Menard, Mortgage Loan Officer NMLS #1256447
337-257-1010 [email protected]

05/02/2026

Have you ever been told “no” on a VA loan and felt like that was the final answer?

One of the most common myths I hear is, “You can only use your VA loan once.” That’s not true. The real question is do you still have entitlement or bonus entitlement left. In many cases, you can use your VA home loan benefit over and over again if you qualify.

Another thing I see often is deals getting stuck on appraisal conditions like “subject to” repairs, paint touch ups, or even a reconsideration of value. That might sound like a deal breaker, but it usually isn’t. With the right strategy, these can often be worked through.

I’ve been helping families close on homes for over twelve years, and I’ve specialized in VA loans for the past four years. Too often, I see veterans told “no” without someone even pulling their Certificate of Eligibility or taking a deeper look.

That’s where I come in. I don’t stop at surface level answers. I look for every possible path forward.

Before you give up on homeownership, let’s take a second look. You may be a lot closer than you’ve been told. Give us a call today 337-257-1010.

Address

127 Clinton Street
Lafayette, LA
70501

Telephone

+13372986656

Website

http://www.AmeriDreamLoans.com/

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