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
Location & Business Hours
Business Hours
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8 AM to 5 PM
Tues
8 AM to 5 PM
Wed
8 AM to 5 PM
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Reviews from Web
Lender for a listing I had in Baker, LA. Super quick and easy to work with on the listing side if things!
Reply from Joy Cobert at GMFS Mortgage - NMLS ...
March 24th, 2026 05:37 PM
Thank you Destiny!! Appreciate your hard work to help both clients get to the closing table!! If I can ever help you and your clients, please don't hesitate to reach out!!
Joy answered all of our questions in a timely manner and was a pleasure to work with. Made buying our hime seamless
Reply from Joy Cobert at GMFS Mortgage - NMLS ...
March 24th, 2026 01:38 PM
Thank you Damon!! You guys were also a pleasure as well. Congrats on your beautiful home!!
Joy was awesome to work with and was very responsive to any questions that we had.
Reply from Joy Cobert at GMFS Mortgage - NMLS ...
March 24th, 2026 01:44 PM
Thank you David!! It was my pleasure to help you and Beth through the mortgage process. You both were wonderful to work with. Congrats on the new home!!
VERY HELPFUL
Reply from Joy Cobert at GMFS Mortgage - NMLS ...
March 19th, 2026 02:57 PM
Thank you Mr. Mike. Congrats on your new home!! I am always here if you have any questions or need my assistance. It was a pleasure helping you through the mortgage process.
Mrs. Joy was very helpful from day one. She guided and explained everything to us through the whole process. She did a wonderful job!
Reply from Joy Cobert
January 22nd, 2026 04:02 PM
Thank you Richard! I appreciate the review and the referrals that you have sent my way. So glad that you guys felt comfortable throughout the process. I am always here if you have any questions or need assistance in the future!
Joy was such a pleasure to work with. From the constant communication to providing exceptional feedback/solutions to any obstacle that presented itself, Joy provided me with services beyond average. If I ever run into anyone interested in purchasing...
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Reply from Joy Cobert
January 22nd, 2026 03:47 PM
Briar you are so kind! You were also such a pleasure to work with. You knew what you wanted and we all worked together to make it happen!! Thank you for trusting me with your mortgage. I am always here to help you and any friends, family, or...
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Joy was exceptional to work with. She had to navigate a challenging refinance and did so confidently and professionally...would highly recommend.
Reply from Joy Cobert
January 21st, 2026 09:23 PM
Thank you Roger. I appreciate the opportunity to help you with you refinance your mortgage.
Joy was extremely helpful throughout the entire process. She is a great resource and I highly recommend her .
Reply from Joy Cobert
January 21st, 2026 09:23 PM
Shelton, I appreciate your review and recommendation. It was a pleasure assisting you with your purchase, and I'm glad to have been a resource during the process. If you ever need anything in the future, feel free to reach out.
Ms cobert was very knowledgable and friendly. She kept all of her promises and everything wemt as she said it would. Fantastic experience she will be my go to for any future loans for me, family and friends. Thank you Joy!
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Reply from Joy Cobert
January 21st, 2026 09:23 PM
I'm truly pleased to hear that you had such a positive experience, Grady. It's important to me to keep my promises and ensure everything goes smoothly. I appreciate your trust and look forward to assisting you, your family, and friends with...
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Joy did a wonderful job handling my refinance
Reply from Joy Cobert
January 21st, 2026 09:23 PM
I'm pleased to hear that your refinance experience went smoothly, Philip. It was a pleasure to assist you, and I appreciate you trusting me with the process. If there are any future mortgage needs or questions I can help with, please feel free...
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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.