Mason Jon Minervini-Mortgage Loan Officer, NMLS 1281782

01/25/2023

Looking forward to that tax refund?! Why not use that refund to invest in your life. Invest in your future. Home ownership is #1 for wealth creation. Stop paying someone else mortgage with that rent payment! Call me today so we can make a game plan.

02/13/2019

Purchasing a home does not have to be stressful. An experienced loan officer you can get in contact with can make all the difference.

Ready to buy a home? Want to know what you need to do in order to buy a home in the future?

Call me today for a quick pre-approval! 337-312-1335

Low or no down payment loans
First time home buyer programs
Mobile Homes
WE DO IT ALL!

01/08/2019

Considering using some of your tax return to purchase a home? Don't wait until the time comes. Call me today to get started. Getting an early pre-approval will help you figure out your price range and eligibility for special programs.
Pre-approvals are good for 90 days!

100% Financing
USDA and VA
First Time Home Buyers Programs
FHA
Conventional Financing
We do it all!
Louisiana Mortgage Associates

Cell: 337-244-1544
Office: 337-312-1335

12/04/2018

MORTGAGE RATE ALERT:
Mortgage rates have taken an unexpected turn in the last week. Since the end of November, closing session we have seen good positive change in market indicators. The 10 year treasury yield has just hit its lowest point in about 4 months. There are many things that can cause this but I believe we can contribute some of the positivity to Wall Street setting up for the year-end by parking money into safer investments like government back securities or mortgage backed securities to lock in 2018 gains.

MORTGAGE RATES ARE DOWN and it may not last long. With next year already shaping up to receive at least 3 rate hikes from the Federal Reserve, interest rates will continue as they have into higher territory, but for right now, rates are seeing their best levels in months! If you were waiting for rates to get better this may be your last chance. No telling how long this rally will last but it certainty will not last long so get in while you can!

Stay in close contact with your mortgage professional this week. This rally could end at any moment!

Need a loan officer? Call today for a free, no obligation consultation. 337-312-1335 337-244-1544

(For more information and mortgage rate updates like and follow the page!)

12/04/2018

MORTGAGE RATE ALERT:
Mortgage rates have taken an unexpected turn in the last week. Since Thanksgivings closing session we have seen good positive change in market indicators. The 10 year treasury yield has just hit its lowest point in about 4 months. There are many things that can cause this but I believe we can contribute some of the positivity to Wall Street setting up for the year-end by parking money into safer investments like government back securities or mortgage backed securities to lock in 2018 gains.

What does all that mean to you?!?!

MORTGAGE RATES ARE DOWN and it may not last long. With next year already shaping up to receive at least 3 possible 4 rate hikes from the Federal Reserve, interest rates will continue as they have into higher territory, but for right now, rates are seeing their best levels in months! If you were waiting for rates to get better this may be your last chance. No telling how long this rally will last but it certainty will not last long so get in while you can!

Buyers- this may be your last chance to see rates this low.

Realtors- stay in touch with your buyers, when rates are increasing your clients are losing buying power!

Stay in close contact with your mortgage professional this week. This rally could end at any moment!

Need a loan officer? Call today for a free, no obligation consultation. 337-312-1335 337-244-1544

(For more information and mortgage rate updates like and follow the page!)

11/14/2018

10/15/2018

Do not trust free credit score for your mortgage approval!

Mortgage pre-approvals are not just checking the credit score. They are much more in depth. There are several different mortgage options all with difference credit score and income requirements. Unfortunately the following story is becoming more and more common everyday.

(True Story)
You check credit karma and your scores are rated as "good" you don't see anything that should alarm you so you start the process. You call a local real estate office and get in touch with a realtor. You spend the next 3 weekends with your realtor looking at homes all over SWLA. After nearly a month you've finally found it, the perfect home. You and your realtor spend another 4 days negotiating back and forth until finally you get the call. Your offer was accepted; you are now under contract to buy the house!

You call me that afternoon and ask to get a loan into processing and to order the home's appraisal as quickly as possible so we can close the deal ASAP.

I run a pre-approval on you only to discover your credit score is 113 points lower than what credit karma told you and based on your income you can only qualify for half the house you are under contract to purchase OUCH!!!

Not only have you wasted a month of your time but the realtor and the sellers time as well.

There are a number of things that can deny you for a home loan and in most cases these negatives will not be discovered until you have a loan officer run a full pre-approval. That old consumer collection you forgot about, the tax lien you didn't even know you had, the delinquent federal debt you though was deferred. Maybe you simply do not have enough income to qualify for the monthly payment for the home you want.

7 minute online approvals can also be misleading. If you tell that mortgage app you make $5000 a month but really you make $4000 a month plus another $1000 in per diem, it could produce a false approval. ( in most cases per diem is not considered income)

Ever after you are pre-approved there are still 2 VERY important questions to be answered:
1) Of the numerous programs available which ones do i qualify for?
2) based on the specific program I chose how much value do I actually qualify for?

You want an experienced loan officer to answer these questions for you. Do not trust an app to make this decision for you.

As a loan officer my job is to help clients though the process of financing a home every step of the way. I want to offer you home financing, not tell you what you want to hear.

Want a loan officer you can trust? Need a pre-approval? call me today at 337-312-1335 OR you can text "minervini" to 33655 to be direct to our secure mobile application!

10/10/2018

Some Info on Credit Scores:
When looking into purchasing a home one of the most important indicators is your credit score. There are many ways to manipulate a credit score but for the sake of this post I wanted to share some common misconceptions on collections. One of the first thing people start doing before applying for a mortgage is paying off collections on credit. In most cases, collections will NOT deny you for a loan and paying them off typically will not change your score even 1 point!. Once a collection is on your credit the damage is done. Paying small collections off will not help much if any. Revolving debt is one of the biggest factors I see negatively affecting credit. Instead of spending the money to pay off little collections here and there, you are much better off using that money to pay down your credit card debt. One of the free services we offer at Louisiana Mortgage is a full credit analysis. We will pull your credit, do a full review, and give you some steps to take in order to get your credit score up. Credit is something I keep up with on a daily basis and I have help many families in SWLA get their credit up to help them qualify for a mortgage. If you want to purchase a home but aren't happy with your credit give me a call. You could be a couple hundred dollars away from a great rate and a new home! Thanks for reading!

10/05/2018

Mortgages rates aren't going to be happy about this!

The U.S. economy added 134,000 jobs in September, well below expectations, as the labor market still shows strength heading into the fall.

10/03/2018

10 year treasury yields have reached their highest point in nearly 7 years! Rates are continuing on their upward path so staying in touch with your loan officer is a must. New information is coming out daily and we will monitor the situation. If you are floating an interest rate now may be the time to lock. 20-30 days we could be in a completely different market. Stronger than expected economic numbers coming out daily could be a sign that this trend may be here to stay. ALL THIS BEING SAID Rates are still at historically low!