Home Loans in Louisiana
Dreaming of owning a cozy home in the heart of Louisiana? Bayou Mortgage is here to help. Whether you’re stepping into the housing market for the first time or you’re a seasoned property investor, we make securing a Louisiana home loan straightforward and fast.
Types of Home Loans In Louisiana
Louisiana First Time Home Buyer
Exclusively for Louisiana's first-time home buyers, our specialized programs offer significant benefits such as low down payment requirements, no private mortgage insurance, and competitive interest rates.
Louisiana VA Loans
Exclusively for veterans, active-duty service members, and certain military spouses, VA loans offer significant benefits like no down payment requirements, no private mortgage insurance, and competitive interest rates.
Louisiana USDA Loans
Aimed at aiding rural homebuyers, these loans are backed by the United States Department of Agriculture. They offer the advantage of no down payment and are designed to boost rural area development.
Louisiana Conventional Loans
A traditional mortgage option ideal for borrowers with strong credit, stable income, and the ability to make a down payment. This loan offers a variety of terms and competitive interest rates, making it a versatile choice for many homebuyers.
Louisiana FHA Loans
A Federal Housing Administration-backed loan designed for lower-income borrowers. These loans require smaller down payments and are more accessible to those with less-than-perfect credit scores, making homeownership more attainable for first-time buyers.
Louisiana DSCR Loans
Tailored for real estate investors, Debt Service Coverage Ratio (DSCR) loans focus on the income generated by the property rather than the borrower's personal income, offering a unique financing solution for investment properties.
Owning A Home In Louisiana Starts Here
Take The Home Buyer Quiz
Our home buyer quiz will help you discover what you qualify for. Answer the simple questions to see what programs will the be best for you.
Talk With An Expert
One of our loan experts will walk you through your results. You’ll learn what payment to expect, interest rate, down payment and loan terms.
Start Shopping For Homes
Armed with a pre-approval letter, confident in your budget and our experts on your team, you’re ready to start shopping for the perfect home