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1: Pre-Approval

A loan pre-approval sets you up for a smooth home buying experience.

2: Shop

At this stage, it’s a good idea to start working with a real estate agent and viewing homes.

3: Loan Application

A few documents are needed to get a loan file through underwriting.

4: Loan Processing

Assemble all the necessary paperwork and details for the underwriter.

5: Underwriting

They closely evaluate all the documentation prepared by the loan processor in the loan package.

6: Closing

Documents  are drawn and sent to the title company where the closing meeting takes place.


Fill out our simple online mortgage quote form and you will receive a quote tailored to specifically to your needs.  There is no obligation. Our dedicated staff is here to answer any questions you have. Whether you are first time home buyer or an experienced buyer you are in good hands.

Request A Quote

Thank you for visiting our website. Direct Rate Mortgage offers highly competitive rates through our direct to consumer lending channel (no middleman). We do this with transparency, service, speed, and a human touch. To meet these requirements, we offer an engaging, concierge user experience. We have been helping clients with our services since 2002.

We still maintain a local, client-focused business model. Direct Rate Mortgage provides an intuitive borrower portal that offers simple, transparent interaction, the ability to easily, safely, and securely upload and store documents with real-time status updates and the ability to engage with experienced lending professionals at any point in the process. Choosing a mortgage lender is a major decision, and we take our jobs as lending professionals very seriously. Please consider us for an opportunity to earn your business.


Kevin Whatley has more attributes than I was allowed to list in the top attribute description. I know Kevin on a professional level as well as a friend. His principles and integrity do not change from business to friend. He sets very high standards for himself professionally and personally. If you are in need of his expertise when purchasing a home I can assure you that you will recieve the highest quality of service and you will feel confident and appreciated by Kevin and his staff. Kevin has certifications in his profession that no others in Louisiana hold. You will not be dissapointed in choosing his services.

Kevin P.
Rating : 5

Kevin’s knowledge of the mortgage industry and his professionalism make him the premier mortgage banker in our area. Kevin goes out of his way to explain the dynamics surrounding such an important transaction in every homeowner’s life.

Scott L.
Rating : 5

I was referred to Direct Rate by my real estate agent. They had a better rate than the other places I discussed a mortgage with, so I went with them for my home purchase. All I can say is these people know what they’re doing. The entire process from start to finish was smooth, and much easier than any mortgage I had done in the past. I will definitely use them again.

David R.
Rating : 5
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