TEAM 225 Employee Benefits Program – First Option Mortgage

Team 225 Mortgage - Employee Benefits Program

We are Team 225, one of the top mortgage lenders in southern Louisiana, and we have an exciting opportunity for you!

With our new Mortgage Benefits Plan, we are pleased to offer thousands of dollars in closing cost savings
on your next home purchase for eligible employees at participating businesses!

Why Team 225?

We have many loan programs available and will work with you to find the perfect loan to fit your needs.
At Team 225, we're proud to offer:

- Exclusive for participating employers: Lender Credit of up to 1% of your loan amount towards closing costs!
Example: A $300,000 home loan yields a $3,000 savings on closing costs

- FAST turn times with closings in as little as 15 days!

- Specialty programs for first-time homebuyers and downpayment assistance for those that qualify

- Our exclusive FOM EZApp an all inclusive program which makes your online application and loan process a breeze

- Personal loan support from our dedicated team of local professionals - we'll be with you every step of the way!

Not sure which loan product is right for you?
We can help!

Conventional Loans

- 95% Loan Amount - Only 5% down required (as low as 3% for qualified borrowers) - Primary residence, second home, & investment properties - 3% Seller Concessions allowed

VA Loans

- 100% Loan Program - No down payment - No monthly mortgage insurance - Primary homes only

FHA Loans

- Minimum Credit Score: 580 - 3.5% Downpayment - 6% Seller Concessions allowed - Primary home only

USDA Loans

- 100% Loan Program - Minimum Credit Score: 640 - Does NOT have to be first-time buyers - Income limits apply - 6% Seller Concessions allowed - House must be in RD eligible area - Primary home only

Check out what our clients are saying....

First Option began with an idea: To provide a better life for employees and customers alike. We opened our doors in 2004 with a staff of eight experienced mortgage professionals that had a goal to make a difference in the lives of those we served.

Team 225 joined First Option in 2020 and has grown to 9 dedicated, hard-working mortgage professionals that are proud to serve the Baton Rouge and surrounding areas. For Team 225, mortgages are about much more than numbers and rates. They’re about people: families and veterans, newlyweds and retirees, looking for a better life. Purchasing a home is life-changing, which is why we’re committed to every call that inquiries about rates and every person who walks through the doors of our local branch office with a dream of home ownership. We care about each other and our customers, because we believe in putting people first. We believe in making a difference.