The credit score required to purchase a home will vary based on the loan program you want to use.  Typically we can assist borrower’s with scores of at least 580 however with exception we can go lower. 

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No. They myth of 20% down is one of the biggest myths still around. We have loan options that allow you to purchase a home with $0 down payment and others that only require 3.5 % down.

Learn more about down payments here

The biggest mistake most first time home buyer make is contacting a realtor first and looking at homes. In order to have the most success, with the least amount of hiccups you want to speak with a lender first to know if and what you can qualify for. 

We are able to assist many home buyers who have been denied by other lenders. When working with large online lenders and inexperienced loan officers they often don’t have a firm grasp of the guideliness or they have extra rules we don’t have. If you’ve been turned down we’d love to help give you a second opinon. 

Bayou Mortgage is a locally owned mortgage broker. Being a broker gives us the flexibility to shop dozens of lenders on your behalf to make sure we find you the lowest rate. Since we don’t have 27 levels of middle management to pay for we are able to pass the cost savings on to you our clients.