The Saucier Team at Canopy Mortgage

The Saucier Team at Canopy Mortgage The Saucier Team at Canopy Mortgage
Helping buyers in LA + TX—clear answers, no pressure. Licensed Mortgage Loan Originator | Text “START” to (225) 819-3699

About Erron Saucier, RMLO - NMLS 271198

Erron Saucier is a Regional Manager, RMLO at Canopy Mortgage. Relationships are the foundation of his career. "Building a better experience through better tech, better prices, and better relationships" is his purpose. With over 30 years’ experience as a certified mortgage professional, Erron has extensive knowledge to customize the mortgage solution to best fit his client's needs and secure financing for the home of their dreams. Erron manages a regional team that produced over $1 billion in loan volume. In the last three years his team produced over $544 million in volume with 2,316 families served. Erron’s personal stats for the last three years are also exceptional - $125 million with 543 families served. After earning a Bachelor of Business Administration degree in Finance from Lamar University, he began his mortgage career in Southeast Texas. Being licensed in Texas, Louisiana, Georgia, Mississippi, Alabama, Tennessee and Florida Erron has trusted clients all over the Southeast US Region. He is an expert in all loan programs, specializing in new construction, condominiums, manufactured housing, and self-employed borrowers. His success is attributed to excellent customer service skills and the drive to always place his clients' needs first. Whether a seasoned homeowner or first-time home buyer, you can rely on Erron to guide you through the transaction with personable and professional service. Erron currently resides in Louisiana with his wife Erika and alternates time at his second home in Texas. He loves spending time with his children and granddaughters. When he’s not working, you can find Erron taking a boat ride, flying his plane, or at a Saints or LSU Football game. Erron Saucier
Mortgage Loan Originator 271198
Canopy Mortgage LLC NMLS 1359687
www.nmlsconsumeraccess.org
1124 S. Burnside Suite 200A, Gonzales, LA 70737 - 225-819-3699
4347 Phelan Blvd. Suite 103, Beaumont, TX 77707 - 409-899-5100

Equal Housing Lender - Canopy Mortgage provides financing to all persons regardless of race, color, religion, sex, handicap, familial status, national origin or sexual preference. All loans subject to credit and property approval. State Licenses Page: https://canopymortgage.com/state-licenses/
Privacy Policy: https://canopymortgage.com/privacy-policy/
Terms of Use: https://canopymortgage.com/terms-of-use/

Consumers wishing to file a complaint against a banker or a residential mortgage loan originator should complete and send a complaint form to the Texas department of savings and mortgage lending, 2601 North Lamar, suite 201, Austin, Texas 78705. Complaint forms and instructions may be obtained from the department’s website at www.sml.texas.gov. A toll-free consumer hotline is available at 1-877-276-5550. The department maintains a recovery fund to make payments of certain actual out of pocket damages sustained by borrowers caused by acts of licensed residential mortgage loan originators. A written application for reimbursement from the recovery fund must be filed with and investigated by the department prior to the payment of a claim. For more information about the recovery fund, please consult the department’s website at www.sml.texas.gov.

"Clear to close" is the best three words in this whole process, and almost nobody knows what they mean.Here's the short ...
09/26/2026

"Clear to close" is the best three words in this whole process, and almost nobody knows what they mean.

Here's the short version. Underwriting has looked at everything — your income, your assets, the appraisal, the title work — and signed off. No more conditions. No more document requests. The loan is done being examined. What's left is scheduling and signing.

The reason it matters is what comes before it. Most of the stress in a mortgage lives in the stretch where you've turned things in and you're waiting to hear whether it was enough. Clear to close is the moment that ends. When we get it, you hear from us the same day — not two days later when you happen to call and ask.

If you're under contract right now and haven't heard those words yet, that's normal. But you should know where you stand, and someone should be telling you.

Under contract and feeling like you're in the dark? Send us a message.

Erron Saucier | NMLS #271198 · Canopy Mortgage, LLC | NMLS #1359687 · Equal Housing Lender. Not a commitment to lend; All loans subject to credit and property approval.

"We'd move, but we'd have to sell first — and then where do we go?"This is one of the most common reasons people stay in...
09/24/2026

"We'd move, but we'd have to sell first — and then where do we go?"

This is one of the most common reasons people stay in a house they've outgrown. They assume it's a choice between selling into homelessness or never moving at all. It isn't.

There are a few ways through it. Some buyers qualify carrying both payments for a short window. Some use the equity in the current home before it sells. Some structure the new purchase with a contingency so the two closings line up. Which one fits depends entirely on your equity, your income, and how much risk you're comfortable carrying — and that's a conversation, not a formula.

What I'd hate is for you to rule it out on a guess. Most people who assume they can't do it have never had anyone actually run it.

Outgrown your house but stuck on the order of operations? Send us a message and we'll map it out.

Erron Saucier | NMLS #271198 · Canopy Mortgage, LLC | NMLS #1359687 · Equal Housing Lender. Not a commitment to lend; All loans subject to credit and property approval.

The buyers who win in this market aren't the ones who got lucky. They're the ones who had a plan before they needed one....
09/22/2026

The buyers who win in this market aren't the ones who got lucky. They're the ones who had a plan before they needed one.

We covered a lot this month: down-payment assistance, USDA, the real numbers behind the market, the tax credit nobody talks about. They all have one thing in common: the people who come out ahead got their plan together before they were in a rush. Fall usually brings less competition than summer, which can mean more room to negotiate.

If buying is anywhere on your radar for the next six to twelve months, the smartest first step costs you nothing. Let's figure out your number and your options.
Ready to map it out? Reply "MAP IT" and we'll start with your numbers.

Erron Saucier | NMLS #271198 · Canopy Mortgage, LLC | NMLS #1359687 · Equal Housing Lender. Not a commitment to lend; All loans subject to credit and property approval.

Whoever said "marry the house and date the rate" owes you an apology.That advice only worked if rates dropped fast, and ...
09/20/2026

Whoever said "marry the house and date the rate" owes you an apology.

That advice only worked if rates dropped fast, and they didn't. So here's the truth most people won't say out loud: today's rates aren't high, they're normal. The 30-year has averaged right around 7.5% for the last fifty years. Your parents' first mortgage was almost certainly higher than what we're seeing today. In 1981 it was nearly 18%. The cheap-money stretch a few years back was the once-in-a-lifetime exception, not a rule that's coming back.

So if the home fits your life and the payment fits your budget, waiting on a rerun of 2021 is costing you time you don't get back. Marry the house. Commit to the rate. And if the day to refinance ever comes, my team and I will be the first to call you.

Thinking about it but not sure where you'd land? Send us a message and we'll run your real numbers — no pressure.

Erron Saucier | NMLS #271198 · Canopy Mortgage, LLC | NMLS #1359687 · Equal Housing Lender. Not a commitment to lend; subject to credit approval.

There's a $2,000-a-year tax credit most Louisiana buyers never claim simply because no one tells them it exists.It's cal...
09/18/2026

There's a $2,000-a-year tax credit most Louisiana buyers never claim simply because no one tells them it exists.

It's called a Mortgage Credit Certificate, and for qualifying buyers it's worth up to $2,000 a year in federal tax credit. Every year you own and live in the home. Not a deduction, a credit, meaning it comes straight off your tax bill. And it can stack with down-payment assistance.

Almost nobody asks about it because almost nobody knows it's there. We do. If you're buying in the next year or so, this is worth a five-minute conversation before you lock anything in.

Comment MCC and we'll send you the details.

Erron Saucier | NMLS #271198 · Canopy Mortgage, LLC | NMLS #1359687 · Equal Housing Lender. Not a commitment to lend; All loans subject to credit and property approval.

I'll be straight with you: I've watched good people talk themselves out of buying a home over a credit score that was ac...
09/16/2026

I'll be straight with you: I've watched good people talk themselves out of buying a home over a credit score that was actually good enough.

It happens all the time. People assume their credit's a dealbreaker, never ask, and keep renting for years. Here's the reality: a 640 opens the door to Louisiana's down-payment assistance and plenty of loan options, and even below that there are real paths. Sometimes it's a quick fix, sometimes it's a 90-day plan. But it's almost always fixable, and almost always closer than people think.

The worst move is assuming you don't qualify and never finding out.

Not sure where your credit stands? Send us a message — no hard pull to start the conversation.

Erron Saucier | NMLS #271198 · Canopy Mortgage, LLC | NMLS #1359687 · Equal Housing Lender. Not a commitment to lend; All loans subject to credit and property approval.

You've talked to me — but you've never met the team that actually gets your loan across the finish line. So let me intro...
09/15/2026

You've talked to me — but you've never met the team that actually gets your loan across the finish line. So let me introduce the guys behind the curtain.

Erron, "The Coach" — that's me. I build the strategy and make sure the plan fits where you're trying to go.

George, "The Starter" — he's where it begins. George gets you pre-qualified and clears the path so you know exactly what you can do before you ever make an offer.

Travis, "The Closer" — he brings it home. From contract to keys in hand, Travis makes sure closing day actually happens, on time.

Three people, one job: getting y'all home with no surprises. Work with us and you're not getting one loan officer — you're getting the whole bench.

Thinking about buying? Send us a message and put the team to work.

Erron Saucier | NMLS #271198 · Canopy Mortgage, LLC | NMLS #1359687 · Equal Housing Lender. Not a commitment to lend; All loans subject to credit and property approval.

Every September the insurance headlines get loud, and every September people quietly decide this isn't their year.Here's...
09/12/2026

Every September the insurance headlines get loud, and every September people quietly decide this isn't their year.

Here's what those headlines don't tell you: a statewide average has almost nothing to do with what your specific house will cost.

Four things move your number, and it's worth knowing which is which.

Two of them you can't do anything about. The flood zone your address sits in, and the elevation of the property. Both are set before you ever walk through the door, and no amount of shopping changes them.

The other two you have real say over. Roof age and condition matter enormously — a roof near the end of its life will either show up in your premium or keep you from getting covered at all, and that's worth knowing before you write an offer. And carriers price the same house differently, sometimes by a lot. One quote isn't a market.

The move is simple: get an actual quote early. Not an estimate. Not a guess from a mortgage calculator. A real quote, before you're emotionally attached to a house.

The buyers who get hurt aren't the ones who accounted for insurance. They're the ones who found out about it three days before closing.

Under contract, or getting close? Send us a message and we'll get your real number early.

Erron Saucier | NMLS #271198 · Canopy Mortgage, LLC | NMLS #1359687 · Equal Housing Lender. Not a commitment to lend; All loans subject to credit and property approval.

The national headlines say one thing about buying right now. The actual Greater Baton Rouge numbers say something differ...
09/10/2026

The national headlines say one thing about buying right now. The actual Greater Baton Rouge numbers say something different.

Headlines love doom. But locally, the median list price around Baton Rouge has been hovering in the mid-$270s and is actually down a touch from a year ago.

Translation: there's more room to negotiate than most people think, and the buyers sitting on the sidelines are leaving leverage on the table. Sellers covering closing costs and buying down rates is happening right now in our market.

If the news has you thinking it's a hopeless time to buy here, the local numbers tell a more interesting story.

Want a read on your specific neighborhood? Comment your area.

Erron Saucier | NMLS #271198 · Canopy Mortgage, LLC | NMLS #1359687 · Equal Housing Lender. Not a commitment to lend; All loans subject to credit and property approval.

Zero down isn't a gimmick out here. It's a real loan, and we close them all the time.A lot of Ascension and Livingston i...
09/04/2026

Zero down isn't a gimmick out here. It's a real loan, and we close them all the time.

A lot of Ascension and Livingston is USDA-eligible, which means a true no-down-payment loan for buyers who qualify. People hear "rural" and picture way out in the country, but plenty of neighborhoods around here make the map. Competitive rates, no down payment, built for exactly this part of Louisiana. And, it's one of the loan types we close most often.

If you've been grinding to save a down payment, you might not need one at all. Let us check your address.

Comment the town you're looking in and we'll tell you if it's USDA-eligible.

Erron Saucier | NMLS #271198 · Canopy Mortgage, LLC | NMLS #1359687 · Equal Housing Lender. Not a commitment to lend; All loans subject to credit and property approval.

Address

1124 S Burnside Avenue, Suite 200 A
Beaumont, TX
70737

Opening Hours

Monday 8:30am - 5:30pm
Tuesday 8:30am - 5:30pm
Wednesday 8:30am - 5:30pm
Thursday 8:30am - 5:30pm
Friday 8:30am - 5:30pm

Telephone

+14098995100

Website

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