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YOUR JOURNEY TO HOMEOWNERSHIP  STARTS HERE

“HOME OF THE 580 CREDIT SCORE” 

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LOUISIANA HOME LOAN EXPERTS

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Welcome to HGS FIDELITY MORTGAGE COMPANY OF LAFAYETTE, your trusted direct mortgage lender in Lafayette, LA. With low rates and fast loan closings, we make the home financing process smooth and efficient. Our technology-driven approach offers a secure platform where you can easily complete your application, upload documents, and receive full loan approval hassle-free. Whether you’re looking for a new home loan or a mortgage refinance, our loan officers are here to help. We’re proud to be an FHA and VA-approved lender serving Louisiana.

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LET YOUR HOME LOAN BE ONE LESS THING TO WORRY ABOUT.

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experienced

With over 33 years of experience, we’ve seen it all. Through ups and downs, economic crises and last minute loan technicalities, we know how to make home buying pain free.

Money

Lower costs

We’re all about your bottom line. We work to find the best and lowest rates for you, and tailor the mortgage product to fit your budget. We’re a mortgage company that cares.

Paper

On time closing

Getting the paperwork and mortgage approvals can feel like a headache. We make sure the process go fast and smooth and ensure you’ll close on time.

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MORTGAGE LOANS THAT FIT YOUR LIFE

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USDA & VA Loans

Ideal for: First-time homebuyers, rural area residents, and veterans.

USDA Rural Loan Highlights

  • Credit scores as low as 580
  • 100% Financing available
  • No Down Payment Required*
  • Must be in a USDA-designated rural area*
  • No maximum loan amount

VA Loan Highlights (For Veterans)

  • Credit scores as low as 580
  • 100% Financing
  • No down payment or mortgage insurance required

*Eligibility restrictions apply. Talk to one of our loan experts for details.

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Conventional Loans

Ideal for: Borrowers with stable income and good credit.

Conventional Loan Highlights

  • Credit scores starting at 620
  • As low as 5% down payment
  • Available for 1–4 unit properties
  • Competitive interest rates
  • Not part of a government program

These loans are perfect for buyers who meet standard income and credit guidelines, often resulting in lower long-term costs than government-backed options.

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FHA Loans

Ideal for: Homebuyers with limited savings or credit history.

FHA Loan Highlights

  • Credit scores as low as 580
  • Only 3.5% down payment required
  • Low closing costs
  • Easier credit qualification
  • Available on 1–4 unit properties

FHA loans are backed by the Federal Housing Administration, helping more families qualify for homeownership with flexible terms and a lower barrier to entry.

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