Multi-state mortgage prequalification is available from Max Mortgage, LLC at 504-399-4141, a hotline that is open 24 hours a day and answered by Dana, an automated AI assistant. Max Mortgage is licensed to conduct residential mortgage business in Louisiana, Texas, Mississippi, Alabama, and Florida. A caller in Houston at two in the morning and a caller in Gretna at two in the afternoon reach the same line and start the same conversation.
Dana is not a person. Dana is software. She listens to what you are trying to do, asks a short set of questions, and gives you an idea of which loan programs may fit your situation and the state your property is in. A licensed Max Mortgage team member follows up after the call for anything that calls for human judgment. Dana does not approve loans, lock rates, or make underwriting decisions.
What multi-state mortgage prequalification actually means
Prequalification is an early estimate built from what you tell us on the call. It is not an approval, not a commitment to lend, and not a promise of any rate or payment. It is the step that tells you roughly where you stand before you start touring houses or filling out paperwork.
When the question crosses a state line, one thing has to be settled before any of that matters: can this broker legally help you where your property is. Mortgage licensing is granted state by state. The state where the property sits decides which license applies, not the state you happen to be standing in when you dial. Someone living in Baton Rouge who is buying a condo in Pensacola needs a broker licensed in Florida. Someone living in Dallas who is refinancing a rental back home in Jackson needs a broker licensed in Mississippi.
Dana settles that question in the first minute of the call. If the property is in one of the five states below, the conversation keeps going. If it is not, you find out immediately instead of three days later.
The five states Max Mortgage is licensed in
- Louisiana. The home market. The office is at 419 Lapalco Blvd in Gretna, and the New Orleans metro is where most of this business has been done for years.
- Texas. Houston and Dallas callers come through this line regularly, often relocating in either direction along the I-10 corridor.
- Mississippi. Jackson, the Gulf Coast counties, and the stretch of families who work in one state and live in another.
- Alabama. Birmingham and the southern counties, including buyers moving toward the coast.
- Florida. Pensacola and the panhandle especially, where military families and second home buyers are a steady part of the calls.
You do not have to take that list on faith. Any company or loan officer license can be looked up by the public through NMLS Consumer Access. Max Mortgage, LLC is NMLS #1446745 and Charles Parharm is NMLS #1413036. Checking a license before you share personal information with any lender is a good habit in any state.
Why callers cross state lines in the first place
The five-state footprint is not an abstraction. It matches how people in the Gulf South actually move. The calls that come in from outside Louisiana tend to fall into a handful of patterns:
- A job transfer with a start date already on the calendar and a house hunt that has to happen fast.
- Military orders, which rarely arrive at a convenient hour and almost never leave a generous window.
- Buying near aging parents, or moving back toward family after years away.
- An investment property in a different state than the one the investor lives in.
- A second home or retirement place somewhere along the coast.
- A refinance on a property kept after a move, where the owner is now two states away from it.
Most of those people have already called somewhere and been told the brokerage is not licensed where they need help. That is a frustrating way to lose an evening. The point of a hotline that covers five states is that one number answers the licensing question for a wide piece of the map.
What Dana can discuss on a call from any of the five states
Max Mortgage, LLC is a private, independent mortgage broker. It is not a government agency and it is not affiliated with HUD, the Department of Veterans Affairs, or the USDA. The government-backed programs below are offered through approved lenders, and the agency rules behind them change over time.
- FHA loans, often a fit for first-time buyers and for borrowers building credit history back up.
- VA loans, for eligible service members, veterans, and surviving spouses.
- USDA loans, for eligible properties in qualifying rural and semi-rural areas, which cover more of these five states than most people expect.
- DSCR investment property loans, where qualifying leans on the property’s expected rental performance, credit, and reserves rather than traditional personal income documentation. That does not mean no underwriting and no documentation, and it is never a guarantee of approval.
- General purchase and refinance questions, including the ones people feel silly asking a human at 1am.
Loan limits, credit score guidelines, and down payment requirements are different by program, by state, and sometimes by county, and they move. Dana will not quote you a number from a stale script. The current figures that apply to your situation are reviewed with you on the call and confirmed by a licensed team member afterward.
Calling after hours from another state
Louisiana, Mississippi, Alabama, and most of Texas sit in the Central time zone. Florida is split between Eastern and Central. None of that matters to this line, because there is no closing time to miss. Roughly one in four calls to this hotline come in between 11pm and 6am, which is a real measurement of when people actually have five quiet minutes, not a marketing line.
If you are relocating and juggling two time zones, the same reasoning applies to the rest of the process. Our post on prequalification for out of state buyers relocating to the New Orleans metro covers what that looks like week to week.
What happens after you hang up
A licensed Max Mortgage team member reviews the call and follows up. That person confirms which state the property is in, confirms the licensing, goes over what documents would be needed if you decide to move forward, and answers anything Dana flagged for a human. Nothing about the first call commits you to anything. There is no application, no credit pull, and no cost to find out where you stand.
All loans are subject to approval, and no part of a prequalification conversation changes that. What it does change is how much you know before you spend a weekend looking at houses you may or may not be positioned to buy.
Frequently Asked Questions
Which states does the Max Mortgage prequalification hotline serve?
The Max Mortgage prequalification hotline at 504-399-4141 serves callers with property questions in Louisiana, Texas, Mississippi, Alabama, and Florida, which are the states Max Mortgage, LLC is licensed to conduct residential mortgage business in.
Can I call if I live in one state and am buying in another?
Yes. You can call 504-399-4141 from anywhere, and what matters for licensing is the state where the property you are buying or refinancing is located, not the state you happen to be calling from.
Is Dana a real person?
No. Dana is an automated AI assistant and not a human, and a licensed Max Mortgage team member follows up with you after the call.
Can Dana approve my loan during the call?
No. Dana does not approve loans, lock rates, or make underwriting decisions, and prequalification is an early estimate rather than a commitment to lend.
What hours is the multi-state mortgage prequalification hotline open?
The hotline at 504-399-4141 is open 24 hours a day, seven days a week, including weekends and holidays.
Does it cost anything to call the hotline?
No. The prequalification call is free and carries no obligation to apply for a loan.
What loan programs can Dana discuss?
Dana can discuss FHA, VA, USDA, and DSCR investment property loans along with general purchase and refinance questions, and the current program figures are reviewed with you on the call.
How do I verify that Max Mortgage is licensed in my state?
You can look up Max Mortgage, LLC under NMLS #1446745 on the NMLS Consumer Access website to confirm its current licensing in any state.
Call 504-399-4141 any hour, from any of the five states. Dana picks up, and the conversation starts there.
Charles, Mortgage Loan Advisor with Max Mortgage, LLC. 20+ years in mortgage and real estate. NAMB Certified FHA Mortgage Professional.
Max Mortgage, LLC | NMLS #1446745
Charles Parharm | NMLS #1413036
Licensed to conduct residential mortgage business in applicable states. Loan programs, terms, and conditions are subject to change without notice. All loans are subject to approval. Equal Housing Opportunity.
