Home Loans

A great option for first-time home buyers. 

• Down payment and closing costs assistance program for new home purchases
• Assists qualified low- and moderate-income home buyers obtain an affordable first-time home mortgage loan through a private lender
• Up to $11,000 loan which may be applied toward down payment and/or closing costs
• Secured by a second mortgage and carries a term of 15 years (180 months)
• Participants must meet income requirements and must purchase a home within Lafayette Parish
• View eligibility requirements
• View mortgage application checklist (PDF – new window/tab)

Learn more about home buying and shopping for a mortgage.

Call our Mortgage Loan Officer, Nadine at 337-482-5656 to schedule an appointment, discuss rates or request a free mortgage comparison.

Payment Sample:
A Fixed-Rate loan of $100,000 for 15 years at 2.42% APR will have a monthly payment of $663.07.
A Fixed-Rate loan of $100,000 for 30 years at 2.89% APR will have a monthly payment of $415.78.

Fixed-Rate Mortgages do not adjust after consummation of the loan.

*Rates are based on an evaluation of credit history, so your rate may differ.
*Taxes and insurance not included; therefore, the actual payment obligation will be greater.
APR = Annual Percentage Rate

Lock in a mortgage rate and payment. Available for your primary home including mobile homes.

• Up to 30-year term
• Fixed-Rate Mortgage
• Borrow up to 80% of the appraised value without Private Mortgage Insurance, not to exceed $400,000 (certain qualifications apply) 
• No prepayment penalty
• View our mortgage application checklist (PDF – new window/tab)

Learn more about home buying and shopping for a mortgage.

Call our Mortgage Loan Officer, Nadine at 337-482-5656 to schedule an appointment, discuss rates or request a free mortgage comparison.

Payment Sample:
A Fixed-Rate loan of $100,000 for 15 years at 2.42% APR will have a monthly payment of $663.07.
A Fixed-Rate loan of $100,000 for 30 years at 2.89% APR will have a monthly payment of $415.78.

Fixed-Rate Mortgages do not adjust after consummation of the loan.

*Rates are based on an evaluation of credit history, so your rate may differ.
*Taxes and insurance not included; therefore, the actual payment obligation will be greater.
APR = Annual Percentage Rate

This mortgage loan begins with a fixed interest rate for the initial term then adjusts according to an index. Available for your primary home including mobile homes. 

• Up to 30-year term
• Adjustable-Rate Mortgage (ARM)
• Borrow up to 80% of the appraised value without Private Mortgage Insurance, not to exceed $400,000 (certain qualifications apply) 
• No prepayment penalty
• View our mortgage application checklist (PDF – new window/tab)

Learn more about home buying and shopping for a mortgage.

Call our Mortgage Loan Officer, Nadine at 337-482-5656 to schedule an appointment, discuss rates or request a free mortgage comparison.

Payment Sample:
A Fixed-Rate loan of $100,000 for 15 years at 2.42% APR will have a monthly payment of $663.07.
A Fixed-Rate loan of $100,000 for 30 years at 2.89% APR will have a monthly payment of $415.78.

Adjustable-Rate Mortgages (ARMs) begin with a fixed interest rate and then adjust up or down after the initial term. For example, a 7/7 ARM would have the same interest rate for the first 7 years, and then the rate would adjust every 7 years after that.

*Rates are based on an evaluation of credit history, so your rate may differ.
*Taxes and insurance not included; therefore, the actual payment obligation will be greater.
APR = Annual Percentage Rate

Our low down payment and flexible payment options make it easy to purchase your perfect piece of property.

• Terms up to 15 Years
• Borrow up to 90% loan-to-value (LTV) of the vacant land, not to exceed $150,000 (certain qualifications apply) 
• No Private Mortgage Insurance (PMI)
• No prepayment penalty
• View our mortgage application checklist (PDF – new window/tab)

Learn more about home buying and shopping for a mortgage.

Call our Mortgage Loan Officer, Nadine at 337-482-5656 to schedule an appointment, discuss rates or request a free mortgage comparison.

Payment Sample:
A Fixed-Rate loan of $100,000 for 15 years at 2.42% APR will have a monthly payment of $663.07.
A Fixed-Rate loan of $100,000 for 30 years at 2.89% APR will have a monthly payment of $415.78.

Fixed-Rate Mortgages do not adjust after consummation of the loan.

*Rates are based on an evaluation of credit history, so your rate may differ.
*Taxes and insurance not included; therefore, the actual payment obligation will be greater.
APR = Annual Percentage Rate

Pay less for your existing loan! Let our Mortgage Team help you save money by moving your loan from another lender. 

Features

• Refinance up to 80% of appraised value without Private Mortgage Insurance
• Choose from fixed-rate and adjustable-rate mortgage options
• No prepayment penalty

Benefits

• Lower your monthly payment
• Get cash out to pay other debt
• Pay off your mortgage sooner
• Convert a variable rate mortgage to fixed rate mortgage

Learn more about home buying and shopping for a mortgage.

Call our Mortgage Loan Officer, Nadine at 337-482-5656 to schedule an appointment, discuss rates or request a free mortgage comparison.

*Rates are based on an evaluation of credit history, so your rate may differ.
*Taxes and insurance not included; therefore, the actual payment obligation will be greater.

Use the equity in your home to fund renovations or other personal expenses. Considered a first mortgage (if home is paid for) or a second mortgage (if existing mortgage on home) with its own term and repayment schedule.

• Up to 15 year term
• Borrow up to 90% loan-to-value (LTV) of the home less any first mortgage recorded, up to $150,000
• No down-payment required
• Choose from fixed-rate and adjustable-rate mortgage options

Learn more about home buying and shopping for a mortgage.

Call our Mortgage Loan Officer, Nadine at 337-482-5656 to schedule an appointment, discuss rates or request a free mortgage comparison.

*Rates are based on an evaluation of credit history, so your rate may differ.
*Taxes and insurance not included; therefore, the actual payment obligation will be greater.