Skip to main content

Mortgage Loans in Bay Saint Louis

No matter what your situation is, there is a home financing solution for you. We are ready to guide you through your options and get you the best rate possible!


Learn More!


Learn More!


Learn More!


Learn More!


Learn More!


Learn More!

Protect Your Transaction

Learn More!


Learn More!

Down Payment Assistance

Learn More!

Debt Service Coverage Ratio

Learn More!
Mortgage Home Loan

How the process works



There are a few critical documents we will need to verify to start your process.  Learn More


The appraisal insures the home you are buying is worth the price that is being offered. Learn More

Initial Underwriting

The Underwriter will verify that all information is accurate and authentic. Learn More

Conditional Approval

Conditional Approval is granted when the Underwriter approves the loan under certain conditions. Learn More

Clear To Close

The Underwriter verifies that all documentation has been provided and all conditions have been met. Learn More


Signing the final documentation and receiving the keys to your new home! Learn More




Conditional Approval:

Clear to Close:



All About Bay Saint Louis

Bay Saint Louis, MS

Bay Saint Louis is a city in and the county seat of Hancock County, Mississippi, in the United States. It is part of the Gulfport–Biloxi Metropolitan Statistical Area.It is situated on west side of the Bay of Saint Louis, which empties into the Mississippi Sound. The city is bordered to the north by the Jourdan River, the primary inlet of the bay. The eastern border of the city is the Harrison County line in the middle of the bay. (source:,_Mississippi)

For lovers with a penchant for old architecture, affordable renovation spaces, and a mix of Southern grace, mystery, and heat, Bay St. Louis is like a blank canvas at the junction of march, river, and Gulf of Mexico beach. Five years ago this town (population 7,538) was put to the test when Hurricane Katrina ripped through the heart of the city. But the community rallied, rebuilt, and has regained its artsy, quirky independence. (source:

Things To Do In Bay Saint Louis:

Come Spend A Day In Bay Saint Louis!

Ms Gulf Coast
Visitors can drive along the shore of Ms Gulf Coast and see the historic beach. Since Hurricane Katrina, local businesses have been recovering and offer new restaurants, shops, and more for visitors to look at.

Gotta Geaux Charters
Specializing in inshore fishing, Gotta Geaux Charters organizes fishing excursions on a 24 foot boat. The captain provides all the necessary equipment for the trip, including live bait, rods, and tackle.

L & N Historic Train Depot
The Bay St. Louis Train Depot, also known as the L & N Historic Train Depot, was originally constructed in 1928. The building now has a visitor center as well as an art museum and a Mardi Gras museum.

Bay St. Louis Little Theater
Having been in operation for 57 years before the devastation of Hurricane Katrina, Bay St. Louis Little Theater found support from their community and rebuilt. The theater continues to entertain the patrons of Bay St. Louis today through stage and song.

Scenic Byways
Scenic Byways includes a 13 mile stretch of beachfront and 30 miles of roads and pathways that showcase local features. Some highlights are the birding sites, biking and walking trails, blueways, parks and historic sites.

Barnacle Bills Water Park & Mini Golf
Located at the Coast Inn, Barnacle Bills Water Park & Mini Golf includes a 390-foot lazy river, a kiddie pool, winding water slides, and an 18-hole mini golf course. There are a limited number of cabanas available.

Southern Comfort Charters
A charter tour company serving the Mississippi Gulf Coast, Southern Comfort Charters leads fishing expeditions for everyone from casual to seasoned fishermen. The company offers both full and half day trips.

Buccaneer State Park
Year round, visitors to the Buccaneer State Park can enjoy the waves of the Gulf of Mexico for body surfing and rafting. Campers also find full-site hookups at this park.

9-Ball Fishing Charters
A charter fishing company led by a Coast Guard licensed Captain, 9-Ball Fishing Charters leads expeditions along the Mississippi Gulf Coast for up to four anglers at a time. The company specializes in a wide variety of fish. (source:

Education in Bay Saint Louis

About Bay Saint Louis Educational System

The city of Bay St. Louis is served by the Bay St. Louis-Waveland School District.


Bay High School offers vibrant vocational courses, continues annually to increase Advanced Placement and Dual Credit opportunities as well as offers a nationally-recognized JROTC program that provides solid training for career options in the military, mechanics and more.For the sixth time, the school has been named a National Bronze Medal High School by US News & World Report, and has been continuously accredited by the Southern Association of Colleges and Schools since 1938.

With a focus on high standards, Bay Middle School has maintained a rating of high performing in the Mississippi Department of Education accountability rankings since 2010. An emphasis on the arts allows all students to grow through music, dance and art. Enrichment continues after school with federally funded programs to engage students in more learning opportunities, cleverly disguised as fun, offered by both teachers and qualified professionals.

North Bay Elementary
Filled with school spirit, North Bay Elementary for third through fifth grade features a new building with caring, professional teachers and staff. The spacious library is filled with books and the district’s commitment to art continues here, with a dedicated art room and full-time art teacher. Physical education classes, a state-of-the-art playground and kid-sized fitness equipment from Project Fit America give students plenty of opportunity to stay active. A school-wide recycling effort and a strong PTO are positive community experiences for families. Students are secure and at home in a structured environment that prepares them for the demands of middle school.

Waveland Elementary
Walk the halls of Waveland Elementary and you’ll see why our students emerge with a solid foundation and a love of learning. The recently adopted College and Career Readiness Curriculum is backed by teachers who work each day to keep students on track, engaged and excited about the world around them. Parents in consultation with administrators can choose from innovative multi-age classrooms or traditional instruction to select the environment where their young students will thrive. The district-wide commitment to encourage creativity starts here – with art, music and physical education instruction at each grade level in this kindergarten through second grade school. (source:

Bay Saint Louis Image Gallery

History of Bay Saint Louis

Bay Saint Louis is rich in history!

In 1698, Louis XVI, King of France, was able to achieve a long-held dream of locating the Mississippi River. He dispatched Pierre LeMoyne, Sieur d’Iberville and Jean Baptiste, LeMoyne, Sieur d’Bienville to locate the river and establish claim for France all territories drained by it.

Spain learned of the quest and sent its ships from its colony at St. Augustine to claim the territory first, so when d’Iberville and d’Bienville entered Pensacola Harbor, the Spanish were already building forts on Santa Rosa Island.  The French proceeded north and west along the coast and failed to detect Mobile Bay but landed on Ship Island on February 10, 1699.

After establishing contact with the natives at Biloxi four days later, the explorers  learned that the “Father of Waters” lay to the west.  They camped on the banks of the Bay of Saint Louis on April 28, proceeded westward, and located the elusive river on March 2. They spent the rest of the month of March exploring the river as far north as Baton Rouge before returning downriver toward home.  It was on the return trip that they made contact with an Indian tribe who possessed a letter left with them fourteen years previously by Henri de Tonti who had descended the river from Montreal.  Thus, France was able to claim all the lands drained by the river, forty-two percent of the continental United States.

Returning to their vessels at Ship Island, the party again camped on the Bay of Saint Louis on March 30. They spent the month of April building Fort Maurepas at present day Ocean Springs.  Iberville returned to France leaving thirty-five men and his younger brother Bienville under the command of M. deSauvole, who died shortly thereafter, and Bienville assumed command of the colony.

On August 25, 1699, Bienville explored the Bay of Saint Louis and named it for Louis IX, the King of France, who led both Crusades into the Holy Land, that being the date of his canonization in 1297.  In December Bienville established the first colony at Bay Saint Louis, consisting of a sergeant and fifteen soldiers, thus creating the third colony located on the Gulf of Mexico.  It was another eighteen years before he gave up on his efforts to find deep-water access to either of the French colonies and built the fort and New Orleans.

After the Louisiana Purchase in 1803, the territory was opened to homesteaders and in a three year period thirty-three hundred people moved into the area, mostly from Virginia, Tennessee, Georgia, and the Carolinas.  These Anglo-Saxon Protestants settled across the Coast from Mobile to the Bay of Saint Louis, but there was no bridge across the bay for another 110 years after statehood in 1817.  Bay Saint Louis was incorporated by the first act of the first legislature of the State of Mississippi on January 4, 1818.  (The city was called Shieldsboro from 1802 until the name Bay Saint Louis was restored by the legislature in 1875.)  However, the colony remained staunchly French, relatively isolated from the Americans but kept its close connections with its French New Orleans cousins.  Subsequently, Bay Saint Louis became the summer home of wealthy New Orleanians, thus re-enforcing the French culture of the city which it retained into the early 20th Century.

The cosmopolitan and European attitude of New Orleans has shaped the culinary, artistic and social customs of the people of Bay Saint Louis, which has become renowned for fine dining, acclaimed artists, and congenial atmosphere. Financial affluence in Hancock county, augmented by the building of the Stennis Space Center in 1963, has brought new residents and further cultural diversity. (source:

Dunnellon Neighborhood

Check out Dunnellon Neighborhood

Bay St. Louis is a somewhat small coastal city (i.e. on the ocean, a bay, or inlet) located in the state of Mississippi. With a population of 12,030 people and two constituent neighborhoods, Bay St. Louis is the 43rd largest community in Mississippi. There’s nothing like the smell of a brand new house, and in Bay St. Louis, you’ll find that a large proportion of houses were recently built. New growth in residential real estate is an indication that people are choosing to move to Bay St. Louis, and putting down their money on brand new construction. Bay St. Louis’s real estate is, on average, some of the newest in the nation. Bay St. Louis does seem to be experiencing an influx of affluent people, because the median household income is $38,130.00.

Bay St. Louis real estate is some of the most expensive in Mississippi, although Bay St. Louis house values don’t compare to the most expensive real estate in the U.S.

Unlike some cities where white-collar or blue-collar occupations dominate the local economy, Bay St. Louis is neither predominantly one nor the other. Instead, it has a mixed workforce of both white- and blue-collar jobs. Overall, Bay St. Louis is a city of sales and office workers, professionals, and service providers. There are especially a lot of people living in Bay St. Louis who work in sales jobs (13.19%), office and administrative support (11.14%), and food service (9.67%).

Bay St. Louis is also nautical, which means that parts of it are somewhat historic and touch the ocean or tidal bodies of water, such as inlets and bays. Quite often, nautical areas such as these attract visitors and locals who come to enjoy the scenery and various waterfront activities.

The percentage of people in Bay St. Louis who are college-educated is somewhat higher than the average US community of 21.84%: 26.83% of adults in Bay St. Louis have at least a bachelor’s degree.

The per capita income in Bay St. Louis in 2010 was $21,372, which is upper middle income relative to Mississippi, and lower middle income relative to the rest of the US. This equates to an annual income of $85,488 for a family of four. However, Bay St. Louis contains both very wealthy and poor people as well.

Bay St. Louis is a somewhat ethnically-diverse city. The people who call Bay St. Louis home describe themselves as belonging to a variety of racial and ethnic groups. The greatest number of Bay St. Louis residents report their race to be White, followed by Black or African-American. Important ancestries of people in Bay St. Louis include Italian, French , German, and English.

The most common language spoken in Bay St. Louis is English. Other important languages spoken here include Spanish and French.

  • City Center
  • Shoreline Park
  • Diamondhead, MS
  • Kiln, MS
  • Pass Christian, MS
  • Pearlington, MS
  • Waveland, MS


Amy Brand

Loan Officer /Branch Manager // NMLS #103259

Amy Brand is a Mortgage Professional that epitomizes integrity, energy, hard work, and creative service in every detail of the real estate transaction. Amy is a family woman with a devotion to God, her three beautiful children & her adorable chihuahua, Lucy. Amy started her career in the mortgage industry over 20 yrs ago . Her knowledge of products and programs allows her the ability to help her borrowers find the program that best matches their individual needs.

Amy understands that when shopping for a mortgage professional, you need an individual and team with whom you can rely. Amy’s goal is to help you in a fast, friendly, and easy to understand manner. She uses her experience and knowledge to ensure that all of your financial and mortgage needs are successfully met. Amy’s passion is to help her clients and partners achieve the goal of homeownership. 200-1091
Amy Brand Mortgage

Have you heard about our RELO Funding program?!