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VA Loans in Baton Rouge

Get a No Down Payment VA Loan in Baton Rouge, LA

VA Loans in Baton Rouge, LA 


Are you an active duty service member or a veteran looking to purchase a home in Baton Rouge? The VA Home loan is the best mortgage loan program available today! 

If you want to purchase a house in Baton Rouge, Zachary, Baker, Central, Denham Springs, Plaquemine, Gonzales, Prairieville, St Francisville, Brusly, or any other part of the Baton Rouge metro we can help!

Who Qualifies for a VA Loan in Baton Rouge 


The VA loan benefit has a few entitlement requirements in order to qualify. You must be: 

  • Honorably Discharged 
  • Veteran
  • Active Duty Service Member with 90 days of Active Service 
  • Reserve
  • National Guard
  • Surviving Spouse  

There are different requirements depending on what your status is.  If you are a veteran, who completed at least 180 days of active duty service you should qualify. 

For reserve or national guard services, you’ll likely need to get a points statement to determine your eligibility. 

If you are a surviving spouse, your spouse will need to have passed away from a service-connected disability or in combat. 

What Are The Benefits of a VA Loan in Baton Rouge 


The VA Loan is the best mortgage program in America. It’s also the only home loan program that is fully earned by the person using it.  The best benefits of the VA Loan program are: 

  • No Credit Score Requirement ( Most lenders cap at 500,580, or 620) 
  • No Down Payment 
  • No PMI (Private Mortgage Insurance) 
  • Seller Can Pay 4% Towards Closing Costs 
  • Below Market Interest Rates

Baton Rouge VA Loan Requirements 


The VA home loan program has some of the easiest qualifications of any mortgage program available. If you are a service member looking to purchase a home,  the VA will do everything possible to help you. 

  • No Minimum Credit Score of 500 (Some lenders will restrict to 500,580 or 620)
  • Have a Certificate of Eligibility 
  • Purchase a Primary Residence 
  • Have Provable Income 
  • Meet All Credit Underwriting Criteria 

We have helped military members of all different financial backgrounds purchase homes. At Bayou Mortgage we can help veterans with credit scores of 500 or higher and we do manual underwriting. 

How to Get a VA Loan in Baton Rouge, LA 


If you are getting a VA Loan, you want to work with a local expert who knows the program and the area.  Just because a lender has “veteran” or “military” in their name doesn’t make them the better option. In fact, many llenders charge higher rates and fees and have stricter requirements. 

If you are considering getting a VA loan and you’ve only spoken with a VA lender who advertises all over the internet and TV, get a second opinion ASAP! 

You can get started working on your Baton Rouge VA Loan Today! Talk to  A VA Loan Expert Now!

Baton Rouge Mortgage Programs

If you’re shopping for mortgage companies in Baton Rouge, chances are you want to learn about which loan program is right for you. 

Check out each loan program below to see what your options are. 

Baton Rouge Conventional Loans

An adjustable rate mortgage is a home loan with an inital rate that’s fixed for a specified period then adjusts. 

Baton Rouge
FHA Mortgage

A FHA mortgage is a home loan insurance by the Federal Housing Administration. FHA Loans offer low down payment and flexible credit requirements

Baton Rouge
VA Mortgage

VA Mortgage are backed by the Department of Veterans Affairs and are available to military members and veterans. 

Baton Rouge
USDA Mortgage

USDA Rural Development Mortgage is a home loan back by the United States Department of Agriculture and offers loans with no down payment requirement. 

We ❤️ Our Clients

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Baton Rouge Loan Officers

Victoria Meadows

Loan Officer

 E:[email protected]

P: (337) 435-9068

F: (337) 466-4906

NMLS # 2055859


Loan Officer

 E:[email protected]

P: (225) 416-5081

F: (337) 466-4906

NMLS # 2170852

Channing Moore




P: (337) 329-9762

F: (337) 466-4906

NMLS # 1235512

Home Buyer Quiz

Which Loan is Right For You?

Take our quick 6 question home buyer quiz to find out.

Our free home buyer quiz will help you discover how much you’ll money you’ll need to put down, what you credit score needs to be, and what your price range should look like. 

Bayou Mortgage is a Mortgage Broker NMLS # 1845349 Equal Housing Lender

Contact Us

Baton Rouge, LA 70808

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