• Easy as1 2 3 !

    One of our Mortgage Professionals will find
    the Mortgage option that's best for you.

At public service mortgage, we want to guide you through your financing.
We offer a variety of loan products and are eager to help you through the
process-whether you are buying your first home or refinancing your existing.

Public Service Mortgage is now hiring experienced loan officers. Click here to send in your resume.

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OUR PROMISE TO ALL CLIENTS

We strongly believe the way we do things is just as important as what we do. Every employee is guided by our Core Values, which form the foundation on which we work and conduct ourselves. These values are not descriptions of the work we do as a company or the strategies we employ to accomplish our mission; these values underlie our work, how we interact with each other, and guide us in determining how to best serve our customers, employees, and local communities. They are the practices we use every day, in everything we do.

THE LOAN PROCESS

Select a Loan Program

Whether you're buying or refinancing, at Public Service Mortgage, you can choose from our four primary programs. These programs are: Conventional, Rural Development, VA, and FHA.

Prequalify

You will be asked to provide personal information, such as your social security number, bank information, employment, and income data, as well as various other financial details. This is required to determine if you meet the guidelines of your preferred loan program.

Approval Options

Once you are pre-approved, we will provide you with the various options for which you've been approved. We will also provide you, within three business days, the terms and costs for those programs. More often than not, we are able to provide this information on the same day. Because we want you to be comfortable with your decision, we will also make time to answer any questions you may have.

Intent to Proceed

After choosing your loan option, you will sign an "Intent to Proceed" document. From there, we will move forward with processing your loan.

Appraisal/ Title Work

Once you have committed to move forward, we order your appraisal and title work. Public Service Mortgage uses a third party for appraisals. At this time, we will ask for appraisal payment for the amount we are charged. This must be paid and is the only money that PSM collects upfront. Note: We have no control over who conducts the appraisal

Underwriting the Loan

During this time, we submit all of the information you gave us to one of our underwriters. They will re-verify all the information through a third party to check for accuracy, as well as determining if you meet all of the program's guidelines. Note: Underwriters can, and usually will, ask for additional financial information that may, sometimes, seem to be a little personal.

Final Approval

Once the collateral, appraisal, and all conditions of the approval have been met, the underwriter will give us notice that we are "clear to close."

Closing

After we receive the "all clear," we will issue your closing disclosure form that lists all the final numbers, such as final payment, final amount to bring to closing and first payment date. When you review and agree with the numbers, then all borrowers are required to sign and return the form to us. Upon receipt of the form, we will set your closing date, no sooner than three business days.

Testimonials

  • This business isn't just a business they are a family of great people who really care about their customers and ... Read More
    - JAMIE LYNN G.
  • Great service and friendly people. They make home buying easy with no stress!
    - DAWN L
  • This is a great place to do business with- great people! If you choose Public Service Mortgage you won't be sorry!
    - CHRIS D. SR.
  • Closed on my house using Public Service Mortgage!! Everyone there was so helpful and I was very appreciative of everyone there!! Definitely suggest using this company for any loan closing needs you may have, VERY quick service!!
    - Kimberly K.

contact information


Address
5101 Hwy 28 East,
Pineville, LA 71360
Phone
318-442-4252

ONE OF OUR LOAN OFFICERS IS HERE TO ASSIST YOU, PLEASE CONTACT US.