Kim Meche

Residential Mortgage Loan Officer

NMLS #121399



Company Phone


5750 Johnston St Ste 102
Lafayette, LA 70503


Kim Alford Meche is a Residential Mortgage Loan Officer with Universal Lending. She joined the team in 2001 and has been a specialist in the finance industry for 39 years. She is passionate about making a first-time homebuyer’s dream become a reality, often taking the extra step of educating borrowers on the home buying process. Kim offers all residential loan types including Conventional, FHA,VA, USDA, Renovation loans, Manufactured loans, and One-time Close Construction loans.
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 can give you quick and accurate financial advice. As an experienced loan officer Kim has the knowledge and expertise you need to explore the many financing options available. After you’ve applied, Kim will call you to discuss the details of your loan, or you may choose to set up an appointment with her. I look forward to working with you.

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

LEARN Your Way Home with Kim Meche

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

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Score & Credit Basics​


What is your score sense?

Score & Credit Basics Quiz

1 / 8

Credit scores fluctuate frequently

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

A delinquent payment does not affect my credit score

5 / 8

I can check my credit for free once a year

6 / 8

The mortgage industry uses Vantage Scoring instead of FICO

7 / 8

It takes a long time to improve a credit score.

8 / 8

Closing an account can negatively affect my credit score

Mortgage Essentials​


Do you know what’s on your credit report?

Mortgage Essentials Quiz

1 / 9

Rental history will appear on my credit report

2 / 9

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

3 / 9

Bad credit stays with me forever

4 / 9

Poor credit history can prevent me from getting hired

5 / 9

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

6 / 9

My credit report includes my medical history

7 / 9

My credit report includes my social security number

8 / 9

I should not buy furniture for my new home before closing

9 / 9

Having late payments are acceptable as long as I pay

Buyer Alert


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

Buyer Alert Quiz

1 / 10

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

2 / 10

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

3 / 10

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

4 / 10

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

5 / 10

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

6 / 10

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

7 / 10

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

8 / 10

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

9 / 10

Trigger leads are illegal.

10 / 10

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

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Kim Meche
Universal Lending Services, Inc.

Kim Meche

Residential Mortgage Loan Officer

NMLS #121399

Table of Contents

Kim Meche

Residential Mortgage Loan Officer

NMLS #121399

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