Joy Cobert, LML at GMFS Mortgage - NMLS #2182...
Loan Officer
Holy Cross College
I’m Joy Cobert, a mortgage loan officer with GMFS Mortgage in Lafayette, Louisiana. Drawing on over 13 years of prior experience as a REALTOR®, I bring a unique perspective to both the financing and real estate sides of buying a home. Guide... Show More
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Business Hours
Mon
8 AM to 5 PM
Tues
8 AM to 5 PM
Wed
8 AM to 5 PM
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Reviews from Web
Made the transaction smooth and easy! Great loan officer!
Reply from Joy Cobert at GMFS Mortgage - NMLS ...
July 6th, 2026 08:10 PM
Thank you, Nikki! It was a pleasure working with you!
Everyone at GMFS mortgage is very kind and supportiv. I have nothing bad to say about GMFS mortgage
Reply from Joy Cobert at GMFS Mortgage - NMLS ...
July 6th, 2026 08:09 PM
Thank you Tyler! Congrats on the new home and thank you for allowing me to assist you guys with the mortgage process.
I went to Joy because of my last experience with her buying a house. She was honest and professional and kept all of her promises — frankly, there is nothing she could have done better. I got sent to Hawaii for work before the closing, so my...
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Reply from Joy Cobert at GMFS Mortgage - NMLS ...
June 29th, 2026 03:46 AM
Grady, thank you so much for this review and please tell your brother thank you as well. I’m grateful that you both see that I care deeply about each client getting the best possible service and ultimately getting to the closing table to achieve...
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Although, you did not represent my client, I found that the communication and overall experience that you presented with the Buyer was very professional.
Reply from Joy Cobert at GMFS Mortgage - NMLS ...
June 22nd, 2026 08:44 PM
,Thank you, Lisa!! I appreciate you taking the time to share such kind words. It was a pleasure working with you, and so happy for the buyers and sellers!! Congrats to you as well, and I look forward to working with you again in the future.
I had a great experience throughout the entire mortgage process. Joy was fantastic to work with, Kynsi was an excellent realtor, and the whole experience was smooth, easy, and exciting from start to finish. Thank you both for helping make buying...
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Reply from Joy Cobert at GMFS Mortgage - NMLS ...
June 13th, 2026 05:04 PM
Congrats again Codi!! I am so thrilled for you to become a homeowner and it was an honor to be a part of the process with you. Thank you for the kind words. I am always here when you need me.
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...
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Reply from Joy Cobert at GMFS Mortgage - NMLS ...
May 28th, 2026 02:45 PM
THANK YOU Addie!!!! It was my pleasure helping you through this process and I am so excited for you and the future! Thank you for the kind words...I love helping people and gaining new friends along the way! I am always here when you need me!...
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I had a great experience because I had become very stressed about a certain aspect of the approval process. Joy took care of it for me so that we could move forward. That was very important to me. Also, Joy communicated with the seller at times...
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Reply from Joy Cobert at GMFS Mortgage - NMLS ...
May 28th, 2026 02:42 PM
I am happy to hear that you felt supported during this process. It has been an honor helping you achieve home ownership and I am always here when you need me. Thank you for sharing your experience! Congrats again!!
Joy was very knowledgeable and professional.
Reply from Joy Cobert at GMFS Mortgage - NMLS ...
May 26th, 2026 04:50 PM
Thank you, Vince. It was a pleasure working with you!
Joy is a pleasure to work with and gets the job done! Great communication
Reply from Joy Cobert at GMFS Mortgage - NMLS ...
May 8th, 2026 02:37 PM
Thank you Derrian! It was a pleasure working with you as well and I look forward to working with you again in the future!
Joy was always available to answer my questions no matter what time of day
she was professional and knew exactly what we needed every step leading up to closing day!
Reply from Joy Cobert at GMFS Mortgage - NMLS ...
April 12th, 2026 02:59 PM
Thank you for choosing me to assist with your mortgage Shannon. You guys were a pleasure to work with.
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About
I’m Joy Cobert, a mortgage loan officer with GMFS Mortgage in Lafayette, Louisiana. Drawing on over 13 years of prior experience as a REALTOR®, I bring a unique perspective to both the financing and real estate sides of buying a home. Guided by a “teacher’s heart,” I take the time to explain options—from conventional, FHA, VA, and USDA loans to down payment assistance—ensuring you feel comfortable with your monthly payment. I am an LMBA Future Leaders graduate and serve on the Acadiana Mortgage Lenders Association board. Having lived in Acadiana for over 20 years, I'm dedicated to keeping buyers and agents informed every step of the way. Let’s start with a conversation about your next steps!
Products & Services
Mortgage Loan Officer
FHA Home Loan
Jumbo Home Loan
Down Payment Assistance
Conventional Home Loan
Home Renovation Loan
Construction Loan
Fixed Rate Mortgages
Adjustable Rate Mortgages
DSCR Loans
Cash-Out Refinances
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Education
- Holy Cross CollegeBachelor of Science
Positions
- GMFS Mortgage - Senior Loan OfficerJan 21st, 2026 - Current
Memberships
- Louisiana Mortgage Banker's Association
- Acadiana Mortgage Lender's Association
- Realtor Association of Acadiana
Addresses and Serving Areas
Primary Serving Area
Other Serving Areas
Year Started
2024
Time Zone
Central Standard Time (CST)
Licenses
- Mortgage Loan Officer
- Real Estate Agent
Achievements
- Louisiana Mortgage Leader LML
Hobbies
- Dinner and beach trips with friends
- Game night with family
Disclaimer
Equal Housing Lender. ©2017 GMFS LLC NMLS #64997. Branch is located at 201 Rue Iberville Suite 304, Lafayette, LA 70508. NMLS #1183361. All mortgages are originated at 7389 Florida Blvd. Suite 200A Baton Rouge, LA 70806.