Home Federal Bank - A better way

Mortgage Team

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Finding the right team to walk with you through the process of buying or refinancing a home is very important. At HFB, our group of mortgage specialists are ready to assist you every step of the way.

With more than 100 years of combined experience in lending, our team of professionals can work with you to design the best loan to meet your needs.

Being local also gives our mortgage specialists access to quick answers to all of your questions. There is no waiting around for a "main office" to respond. At HFB, the answers are found right here at home in the Shreveport-Bossier City metropolitan area. Our officers, loan assistants and underwriters are all based in Shreveport, so you can trust that your loan is being handled by local partners that care about you and our community.

 

  David Barber

David Barber
NMLS# 97535
318-841-5319

Lakisha Russell Smith

Lakisha Russell-Smith
NMLS# 120035
318-841-5304

Cherine Garrett

Cherine Garrett
NMLS# 123004
318-841-5385

Contact us today!

As you take time to get to know our team pictured above, please know that all of us are available to meet with you by phone, email or in person at one of our local branches that would be convenient to you. We want to ensure that the mortgage process compliments your busy schedule, so calls and appointments are even available after hours and on weekends as needed. Again, with HFB, we want you to know that we are here to help. 

 

Learn about our Mortgage Loans!

Conventional LoansFHA & VA LoansUSDA Rural Development LoansPortfolio Loans

If you are Military, a Teacher, a Doctor, Nurse, EMT, Fire Fighter, Police Officer or Professional we may have a program just for you! Find out more about our Special Programs.

Conventional Home Loans Conventional mortgages are not federally backed, but must adhere to specific guidelines set by Fannie Mae. This type of mortgage is suited to those with good or excellent credit. Rates can be fixed or flexible. A down payment is typically required. HFB offers local underwriting, low rates and quick turnaround with our conventional loans. HFB is an approved Fannie Mae Seller-Servicer, so your loan can be serviced locally by our team. When you have a question, we're right here to help!

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FHA & VA Loans An FHA insured loan is a US Federal Housing Administration mortgage insurance backed mortgage loan, which is provided by a FHA-approved lender. FHA loans are a type of federal assistance and have historically allowed lower income Americans to borrow money for the purchase of a home that they would not otherwise be able to afford. 

VA-guaranteed loans are available to service members, veterans and eligible surviving spouses. VA loans have competitive interest rates and often require no down payment or private mortgage insurance.

HFB has been a HUD approved lender since 1928 and is endorsed by HUD and VA to underwrite and approve FHA and VA loans. This means your loan is underwritten and approved locally.

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USDA Rural Development Loans HFB is one of the largest Rural Development lenders in the state of Louisiana. When your property qualifies and your income does not exceed a certain limit, no down payment is required!*

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Portfolio Loans HFB offers portfolio options, so loans that may not fit Fannie Mae and Freddie Mac guidelines may still fit ours. At HFB common sense underwriting decisions still prevail.

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*All loans are subject to credit and collateral approval, NMLS #503926. † Lendable Equity: the amount represented by the current, appraised value of your home minus any existing debt secured by your home.

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