Dawn Holmes

Residential Mortgage Loan Officer

NMLS #89242



Company Phone


5750 Johnston St Ste 102
Lafayette, LA 70503


Whether you’re buying, selling, refinancing, or building your dream home, you have a lot riding on your loan specialist. Since market conditions and mortgage programs change frequently, you need to make sure you’re dealing with a top professional who is able to give you quick and accurate financial advice.
As an experienced loan officer I have the knowledge and expertise you need to explore the many financing options available. Ensuring that you make the right choice for you and your family is my ultimate goal. To get the process started, use my secure online application or simply give me call for a personalized conversation and apply by phone.
As always, you may contact me anytime by phone, text or email for personalized service and expert advice. I look forward to working with you.

Universal Lending Services, Inc. is an Equal Housing Lender.

LEARN Your Way Home with Dawn Holmes

Get to know your mortgage professional, browse popular content and gain knowledge that will lead you to qualify for the best possible mortgage rates and terms available!

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Score & Credit Basics

Learn all about credit scores, credit reports, scoring models and more.

Mortgage Essentials

Learn all about mortgage rates, types of loans, cost breakdown, and more.​

Buyer Alert

Learn all about trigger leads, things to be aware as a home buyer, mortgage relief, and more.

Credit IQ

Test your credit knowledge with our Credit IQ quizzes. Don't worry, they're all 10 questions or less and you'll receive instant results with the ability to try as many times as you'd like.

Score & Credit Basics​


What is your score sense?

Score & Credit Basics Quiz

1 / 8

I can check my credit for free once a year

2 / 8

A soft inquiry will not affect my credit score

3 / 8

If I have a high income, I will have a higher credit score

4 / 8

It takes a long time to improve a credit score.

5 / 8

The mortgage industry uses Vantage Scoring instead of FICO

6 / 8

A delinquent payment does not affect my credit score

7 / 8

Closing an account can negatively affect my credit score

8 / 8

Credit scores fluctuate frequently

Mortgage Essentials​


Do you know what’s on your credit report?

Mortgage Essentials Quiz

1 / 9

I should not buy furniture for my new home before closing

2 / 9

My credit report includes my medical history

3 / 9

Having late payments are acceptable as long as I pay

4 / 9

Rental history will appear on my credit report

5 / 9

Poor credit history can prevent me from getting hired

6 / 9

My credit report includes my social security number

7 / 9

If I pay an account in full, it’s removed from my credit report

8 / 9

Leasing a new vehicle will result in a hard inquiry on my credit report

9 / 9

Bad credit stays with me forever

Buyer Alert


Do you have the know-how to score a mortgage?

Buyer Alert Quiz

1 / 10

You can go to jail if you provide false information on your mortgage application.

2 / 10

There are rules that debt collectors must follow when trying to collect a debt.

3 / 10

If I need a mortgage modification, the best place to start is by contacting my mortgage company.

4 / 10

Mortgage relief companies can keep your home out of foreclose for a fee.

5 / 10

Opting out of trigger leads guarantees I won’t be contacted.

6 / 10

I do not need a credit repair company to help improve my score.

7 / 10

There is no such thing as a legitimate credit repair company.

8 / 10

Trigger leads are illegal.

9 / 10

Buying a tradeline can hurt my credit score if the owner of the tradeline defaults on the loan.

10 / 10

It’s ok to omit something from your mortgage application if your lender says it’s OK.

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Dawn Holmes
Universal Lending Services, Inc.

Dawn Holmes

Residential Mortgage Loan Officer

NMLS #89242

Table of Contents

Dawn Holmes

Residential Mortgage Loan Officer

NMLS #89242

Credit Technologies Inc.®, the power behind BestQualify, has over thirty years of experience enabling home buyers like you to qualify for the best possible mortgage rates and terms available. We have the technology and the tools you need to get your score to the next level.

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