IF You Don't Book A Call And Show
Up You Will Not Recieve Your Results 📅

 Why Book A Call With Us? 📱

1. Simple Steps, Quick Results: With my proven system, you’ll follow a straightforward roadmap to homeownership. No more guesswork or confusion. We’ll break it down into manageable steps, so you can move forward confidently, saving you time and energy.

2. Don’t Have 20% Down? No Problem: Forget about the common misconception that you need a massive down payment to buy a house. I’ll show you alternative options and strategies that fit your financial situation, putting homeownership within your reach.

3. Unlock Low Interest Rates: Worried about high interest rates? Don’t be! Together, we’ll explore loan options that offer competitive rates, helping you save thousands of dollars over the life of your mortgage. Your dream home will be affordable and budget-friendly.

4. Credit Concerns? We’ve Got Solutions: Don’t let less-than-perfect credit hold you back. I specialize in working with folks who need some help. We’ll identify opportunities to improve your credit profile and find loan programs that are flexible and accommodating.

🏦 Loan Programs and Requirements 💸

Conventional Loans

Down payment: Generally, a down payment of at least 3% to 5% of the home’s purchase price is required.

Credit score: Typically, a minimum credit score of 620 or higher is preferred by most lenders. If you are under a 720, FHA is probably a better deal.

FHA Mortgage

Down payment: As little as 3.5% down paymentv requirement.

Credit score: Minimum credit score requirements can vary but typically starts at around 580. We can finance scores as low as 500 with 10% down.

VA Mortgage

Down payment: No down payment is required for eligible veterans, active-duty service members, and surviving spouses.

Credit score: While the VA does not set a minimum credit score requirement, most lenders require at least a 500.

USDA Mortgage

Down payment: No down payment is required for eligible properties located in designated rural areas.

Credit score: We can help clients with scores as low as 600, but most lenders require a 640 or higher

👉Who Should Book This Call? 👈

✅ You’re Buying A House in the Next 6 Months? 

✅ You’re motivated and eager to learn what it takes buy a house 

✅ You’re a Veteran with a Score of at least 500 or higher

✅ You Have A Credit Score 620 or Higher or…

✅ You Have a Credit Score of at least 580 but have 3.5% Down Payment. 

*The Average Down Payment is around $7000 for a $200,000 house

✅ You Have Steady Income That You Pay Taxes On

If you meet any of these qualifications, it’s time to schedule a call

Our Clients ❤️️ Us... And You Will Too!

Commonly Asked Questions ❓

Yes, a loan officer from Bayou Mortgage will send you a text and call you to go over your results with you. While we love text messaging, the conversation is simply too much to be done via text. 

What will not happen is your information will NOT EVER be sold to anyone for any reason. The only person who will contact you is employees of Bayou Mortgage. 

Bayou Mortgage is a mortgage broker. What this means is that we are in your corner. We have the ability to show with dozens (hundreds even) of lenders to find you the best rate, terms and payment. 

As a broker we are compensated by the lender so we get paid the same no matter which rate or lender you go with. 

We ARE NOT a lead company. We don’t collect your information for the purpose of selling it or sharing it with anyone. 

We will never pull your credit without your written permission to do so. We also will not insist that you allow us to pull your credit before talking with you.  Our process is thorough but fairly simple.

  1. We speak with you on the phone to learn more about you and your goals. 
  2. We’ll share the program requirements and options with you
  3. You’ll decide if you’d like to move forward with an official application or wait. 

This process works great because you get to have all of those burning questions you have answered, you get all the info on the loan programs answered and if at the end you want to move forward you can. 

Yes. We offer loan programs that will allow you to purchase a home even if you have a credit score as low as 500. It’s a lot easier to qualify for a home loan if your score is around 620 but it can be done if your scores are lower. 

The main thing to remember here is that the lower (worse) your credit is, the more you are going to need to put down. If you have a 580 to a 620 you’ll only need 3.5% down to get started. If you have a 620 or higher you could qualify for no down payment. If you have lower than a 580 you’ll likely need at least 10% down to get started. 

We go more in depth on this in What Is The Minimum Credit Score to Buy a Home? 

We have loan programs that will allow you to purchase a home with $0 down payment and others that will only require you to put 3.5% down. 

Which program you qualify for is going to depend on your credit score, your credit history, your income and debt (known as debt-to-income ratio) and where you want to purchase. 

Check out What You Need to Know About Down Payments to learn more about our loan programs and their requirements. 

Closing Costs & Prepaids are charges that you have to pay in order to purchase a home. These fee’s cover things like appraisals, title work, government fees,(you know they have to get a piece too) property taxes, and insurance. Closing costs can range from 2-5% of the loan amount. 

You can negotiate for the seller to pay 3-6% of the purchase price towards your closing costs which is usually enough to cover them on most loans. 

You can also use lender credits (by taking a higher interest rate) to help cover these costs as well. 

We dive deeper into this here: Mortgage Closing Costs: How Much Are They? 

Yes we do.  In fact many of the best programs for first-time home buyers don’t even require you to be a first-time home buyer, but some do. 

We offer many low down payment and a no down payment program that works well for first-time buyers, buyers with lower credit scores and buyers who have less to put down. 

We have an entire guide for first-time buyers you can check out as well. 

First-Time Home Buyer Louisiana Guide 

Owning A Home Starts Here


Schedule Your FREE Call

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

Meet Your Loan Experts

Victoria Meadows

Loan Officer

 E:[email protected]

P: (337) 409-8288

F: (337) 466-4906

NMLS # 2055859



P: (337) 409-8288

F: (337) 466-4906

NMLS # 1235512

Schedule Your FREE Call Today and Get Your Results To
See What YOu Qualify For!

See What You Qualify For

*We don’t sell or spam your information and you will only be contacted in the manner you choose. This info is for Bayou Mortgage Only