The Gold Standard in Mortgage Lending

Chuck Hano – Branch Manager/Loan Originator

Located in Geismar, Louisiana

Personalized Mortgage Experience

With 28 years of experience as a mortgage loan originator at Gold Mortgage, Chuck Hano has earned a reputation as a caring, knowledgeable, and trustworthy professional. His extensive expertise in the mortgage industry, combined with a genuine commitment to helping clients achieve their dream of homeownership, truly sets him apart. Chuck takes the time to understand his clients’ unique needs, guiding them every step of the way with compassion and personalized care.

Chuck’s dedication to service started long before his career in mortgages. He served for a decade in the United States Marine Corps, rising to the rank of Gunnery Sergeant (E7) in under 10 years. This remarkable accomplishment highlights Chuck’s discipline, leadership, and unwavering work ethic—qualities he now brings to every client interaction.

Beyond his impressive professional life, Chuck is a devoted father who treasures family above all else. His role as a dad has shaped his patient and empathetic approach, as he understands firsthand the importance of creating a stable, happy home for loved ones.

A passionate dog lover, Chuck’s warm and caring personality extends to his four-legged companions. Whether he’s enjoying a morning walk with his furry friend or volunteering at local shelters, his love for animals reflects his kind and generous spirit.

Chuck believes every client deserves personalized attention and unwavering support throughout their mortgage journey. His decades of experience, paired with his genuine care for others, make him someone you can rely on to navigate the complexities of home financing with confidence.

When you work with Chuck, you’re not just getting a loan originator—you’re gaining a trusted partner who is as dedicated to your success as you are.

The Home Loan Process

Mortgage Pre-Approval

Get pre-approved from one of our Loan Officers to see how much you can afford.

House Shopping

Work with a trusted Real Estate Agent to find a home you would like to move into.

Loan Application

Complete your home loan application to get the lending process started.

Don't take my word for it

Mortgage Programs

Experience the best mortgage experience located in Geismar, Louisiana 70734.

Home Loan Options

Our experienced mortgage advisors will walk you through the best mortgage loan program that will fit your specific scenario.

Conventional Home Loans.

FHA Home Loans.

USDA Home Loans.

VA Home Loans.

Frequently Asked Questions

How often can I refinance my mortgage?

There is no limit to the number of times you can refinance. However, you must qualify every time you apply and there will be costs associated with closing the loan each time.

Can I buy a home if I do not have money for a down payment?

Yes! There are a number of bond programs that offer low or no down payment financing options.

How do I know which mortgage is right for me?

The key to choosing the right mortgage is to understand the range of options and features available to you, as well as your budget, circumstances, and goals. Our licensed mortgage professionals are here to help you navigate that process. The more you know, the more comfortable and confident you will be choosing the best option for you and your family.

How long will the loan process take?

The Truth in Lending Act (TILA) does not permit a lender to close a loan until at least seven (7) business days have passed from the date your application was received. A typical home loan takes 30 days, as a number of third-party services such as appraisals, title work, and credit are required in conjunction with the mortgage process. Once you familiarize your Loan Officer with the details of your specific loan scenario, they will be able to provide you with a more specific timeline.

Will I qualify for a home loan?

The only way to find out is to speak with a qualified mortgage professional. Our Loan Officers have helped numerous clients who didn’t know if they could qualify to become home owners. We take the time to understand your financial situation and long-term financial goals, and then match you with the loan program that best fits your needs. Your approval for a loan may also largely depend on the price of the home you are financing. Getting pre-qualified prior to beginning your home search can give you an idea of what you may be able to afford.

Why do people refinance their mortgages?

Homeowners typically refinance to save money, either by obtaining a lower interest rate or by reducing the term of their loan. Refinancing is also a way to convert an adjustable loan to a fixed loan or to consolidate debts.

How much money will I have to pay upfront to buy a home?

This question does not have a simple, one-size-fits-all answer. The exact amount will depend on the price of the home you buy as well the type of mortgage financing you choose. Depending on your loan program, your down payment could be as much as 20% of the home’s price or as little as 3%, while some loans require no down payment at all.

Can I get a mortgage after bankruptcy?

You may still qualify for a home loan even if you have experienced a bankruptcy. The best way to find out if you qualify is to talk with a Loan Officer to discuss your options. Be sure to bring all paperwork regarding your bankruptcy so your Loan Officer can find the program that best fits your situation.

Should I lock my interest rate now, or wait until we are closer to our closing?

Interest rates fluctuate all day, every day. If an interest rate is good, it may be in your best interest to lock now. If you wait, you run the risk of an increase in rates later. If you are concerned that rates may go down after you lock, contact your Loan Officer to discuss your options.