Joy Cobert

Loan Officer NMLS #2182643

(17 reviews)
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GMFS Mortgage - Lafayette, LA

201 Rue Iberville Suite 304
Lafayette, LA 70508

Office: (337) 246-2052

Mobile: (337) 356-2656

Louisiana

#2182643

Joy Cobert Reviews

What Our Customers Say

Choosing a loan officer is personal. See what others have to say about their experience.

Rating: 5 out of 5

Pam was amazing to work with. She really cares and it shows in her work. We wouldn’t have been able to do it without her help.

Jonathan D. March 29, 2023
Rating: 5 out of 5

I had such a stress free experience through the whole process. Someone was always responding back with answers within a few minutes or always answered the phone. Such pleasurable demeanors and never felt like a bother. Would easily recommend GMFS Mortgage and would definitely recommend Pam Rivet!

Crystal T. Gray, LA - August 4, 2025
Rating: 5 out of 5

Pam really helped me through the process of Applying for morgatage loan. She gave me suggestions to help me, she was patient with me. She was consistent, never left me wondering, she was quick to answer questions. So thank full for Pam!

Penny B. Houma, LA - September 16, 2025
Rating: 5 out of 5

Joy was the absolute best. She worked her butt off to help me buy my house. She’s kind, patient, very quick to respond, knows what she’s talking about, and went out of her way to help me gain all the information I needed for the underwriter. This women was a godsend. Will definitely be using her for anything in the future.

Addie L. Broussard - May 28, 2026
Rating: 5 out of 5

Everything was so convenient for my wife and mysehe. It was such a pleasant experience. Think you for everything!!! Job well done!

Steven Ranel G. Houma, LA - July 31, 2025
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Business Hours:

  • Monday 8:00 AM to 5:00 PM
  • Tuesday 8:00 AM to 5:00 PM
  • Wednesday 8:00 AM to 5:00 PM
  • Thursday 8:00 AM to 5:00 PM
  • Friday 8:00 AM to 5:00 PM

Products and Services Offered:

  • Conventional Mortgages
  • FHA Mortgages
  • Refinance Programs
  • ARM Loans
  • VA Loans
  • USDA RD Loans
  • Construction and Renovation Loans
  • Jumbo Loans
  • Second Home or Investment Property Loans
  • Loans for Self-Employed Borrowers
  • First-Time Homebuyer Programs
  • Down Payment Assistance Loans

First Time Home Buyers

First Time Homebuyer Budget Worksheet & Tips

At GMFS Mortgage, we recognize that navigating the journey to homeownership can be overwhelming for first-time buyers, and we’re here to guide you, having helped thousands achieve their dream of owning a home.

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What Sets Us Apart

A Lender Who Cares

With GMFS Mortgage, you’re not just getting a loan—you’re getting a team that’s all in, every step of the way.

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Established

Since 1999, we’ve helped over 150,000 people across 23 states become homeowners.

Efficient

Everything from processing to closing happens under one roof. That means fewer hiccups…and more high-fives.

Trusted

A+ BBB rating. Torch Award for Marketplace Trust. A reputation built on doing the right thing.

Experienced

Our team averages 14+ years in the industry—and a lifetime of showing up for our clients.

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