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Louisiana Mortgage Loans
Home loan options across Louisiana - FHA, VA, USDA, conventional, and investor financing. Serving buyers and homeowners throughout the state.
Quick Answer
Louisiana buyers in New Orleans, Baton Rouge, and beyond can compare FHA, VA, USDA, and conventional programs as revitalization efforts and rising sales activity create momentum across local markets. Refinance options are available for homeowners positioned to improve their rate or pull equity as neighborhoods continue to recover. DSCR loans serve urban investors looking to capitalize on Louisiana's rental demand, and bank statement programs are available for self-employed borrowers in the state's creative, hospitality, and service-driven economy.
Buy a Home
FHA, VA, USDA, conventional, and first-time buyer programs. Compare options based on your down payment, credit, and goals.
Explore OptionsRefinance
Lower your rate, shorten your term, or tap your equity with a cash-out refinance. Subject to credit, income, and property guidelines.
Explore OptionsInvest
DSCR loans qualify on rental income, not tax returns. Build your rental portfolio across single-family, multi-unit, and short-term rental properties.
Explore OptionsSelf-Employed
Bank statement loans and alt-doc programs for business owners. Qualify using 12-24 months of deposits instead of tax returns.
Explore OptionsLouisiana Mortgage FAQ
What mortgage programs are available in Louisiana?
Louisiana borrowers may qualify for FHA, VA, USDA, conventional, jumbo, DSCR investor loans, and bank statement loans, depending on their scenario. Subject to credit, income, property, and lender guidelines.
Does flood insurance affect mortgages in Louisiana?
Yes. Many properties in Louisiana, particularly in coastal and low-lying areas, are in FEMA flood zones that require mandatory flood insurance. Flood insurance premiums can affect your debt-to-income ratio and overall qualification. Your loan officer can help you understand how flood zone designation may affect your transaction.
Are USDA loans available in Louisiana?
Yes. Many rural and suburban areas throughout Louisiana are eligible for USDA rural housing loans with zero-down financing. Property and income eligibility requirements apply. Ask your loan officer if a specific property qualifies.
What credit score do I need for a mortgage in Louisiana?
Credit score requirements vary by program. FHA may allow scores as low as 580 with 3.5% down. Conventional loans typically require 620 or higher. Talk with a loan officer about your scenario.
Ready to Explore Your Options in Louisiana?
Talk with a loan officer about your scenario. Programs subject to credit, income, property, and lender guidelines.
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