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
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
Joy went over the moon and back around for us. She made the home buying process as stress free as she possibly could!
Reply from Joy Cobert
January 21st, 2026 09:23 PM
Thank you Nick and Seline! You both were such a pleasure to work with. I am grateful to have been your loan partner in this important chapter of your lives. I am always here if you need me.
Joy moved mountains to get us into our home. We had ALOT of obstacles to overcome come and she made it all happen! I HIGHLY recommend her!!
Reply from Joy Cobert
January 21st, 2026 09:23 PM
Thank you Paige!! You guys worked so hard to get this done and did everything asked of you. You were wonderful clients and I am so honored to have helped with your mortgage. Congrats on the new home!!
Joy was very knowledgeable and helpful!! She explained everything and made the whole process easy.
Reply from Joy Cobert
January 21st, 2026 09:23 PM
Thank you Madeliene! You were wonderful to work with and I am honored to help provide the mortgage for your beautiful new home. Wishing you guys the very best and I am always here if you need me!
Joy made the process as first time homeowners a breeze! She answered all of our questions and truly was amazing!
Reply from Joy Cobert
January 21st, 2026 09:23 PM
Thank you MacKenzie. I'm so happy for you guys and truly appreciate the opportunity to assist you in your mortgage.
Joy was extremely professional and quick to answer any questions. She made the process easy for a first time home buyer!
Reply from Joy Cobert
January 21st, 2026 09:23 PM
Thank you Nathan!! It was truly an honor to help you with your mortgage on your beautiful first home!!
Joy went above and beyond for me !
Reply from Joy Cobert
January 21st, 2026 09:23 PM
Thank you Ashley! I am so glad you were pleased. You were a pleasure to work with and congrats on your first home!!
Joy was a pleasure to work with and made the mortgage process easy and seamless. Joy was always helpful and responded quickly to all questions and requests. She was able to utilize her vast experience in the industry to complete the process...
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Reply from Joy Cobert
January 21st, 2026 09:23 PM
Thank you Brett and Teri. You guys were such a pleasure to work with and it was an honor to assist you with your move to Acadiana.
Joy was such a joy to work with! As a fellow real estate professional, I’ve worked with other mortgage lenders —but working with Joy has been a standout experience. Her unique background as a licensed realtor for numerous years truly sets her...
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Reply from Joy Cobert
January 21st, 2026 09:23 PM
Thank you so much for the kind words Taryn! My industry partner relationships are very important to me as are our clients! They deserve the very best and when we work hard as a team we get to help their homeownership dreams come true. I look...
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Joy was very helpful and we were very blessed to have her work with us.
Reply from Joy Cobert
January 21st, 2026 09:23 PM
Thank you for the kind words, David. You guys were so great to work with, and I'm thrilled that we were able to get you into your first home. I hope to be the Loan Officer you refer your friends and family to in the future!
Joy is absolutely amazing she will stand with you through everything. I've used her with buying my house she is very professional and has your back!! She will guide you through the whole process and bust her butt to get you what you want. In...
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Reply from Joy Cobert
May 22nd, 2025 04:47 PM
Thank you for the kind words James! I truly believe that everyone deserves to own a home and I will do everything I can to make that happen for my clients!! It was a pleasure working with you and I am so happy for you and your daughter to have...
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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.