Capital Home Mortgage Louisiana

Louisiana Home Loans
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Louisiana Mortgage Lender

Home Loans in Louisiana

Welcome to Capital Home Mortgage Louisiana, where we strive to provide Louisiana Home Loans to Louisiana homebuyers and homeowners at competitive rates and fees while giving great service.

First, we’d like to thank you for the opportunity to earn your business.  We understand that acquiring a house is the most important decision of most people’s life, which is why Capital house Mortgage Louisiana offers dedicated points of contact throughout the mortgage process.  This assures a stress-free and pleasant experience, with an on-time close.  After all, buying a home should be fun rather than stressful.

Capital Home Mortgage Louisiana, as a direct Louisiana Mortgage Lender, manages the entire lending process from beginning to end.  Our in-house processing and underwriting enables for quick, reasonable approvals and timely closings.  We have complete control over everything from the application to the funding process.

Capital Home Mortgage Louisiana is a full-service Louisiana Mortgage Lender that offers a comprehensive range of mortgage products as well as competitive Louisiana Mortgage Rates.  Whether you are a first-time purchaser seeking for a Louisiana FHA Home Loan, looking at a rural property needing a Louisiana USDA Home Loan, a Native American wanting to use the HUD 184 Louisiana Native American Home Loan, a an active duty or retired veteran in need of a Louisiana VA Home Loan, or a seasoned buyer in need of a Louisiana Conventional Home Loan, we can help you.

Call today (225) 208-7599 to speak with our Louisiana Loan Officers.

Louisiana, the Pelican State, is located in the southern region of the United States.  Baton Rouge is the capital, but the State is know for the city of New Orleans with its rich cultural heritage, music, and vibrant festivals.  Other Major Cities include Shreveport, Lafayette, and Lake Charles.

Louisiana is known for its diverse geography, including coastal marshlands, swamps, and the Mississippi River Delta.  The state is prone to hurricanes and has experienced significant flooding due to its low-lying coastal areas.

Louisiana’s economy is diverse, with key sectors including energy, petrochemicals, agriculture, and tourism.  The state has a significant presence in the oil and gas industry, with many refineries and offshore drilling operations.

Louisiana has a rich cultural heritage influenced by French, African, Spanish, and Native American cultures.  The state is known for its unique Creole and Cajun cultures, especially in its cuisine and music.  New Orleans is famous for its jazz music, Mardi Gras celebrations, and historic architecture.

Louisiana is home to several universities, including Louisiana State University (LSU) in Baton Rouge and Tulane University in New Orleans.

Louisiana has a complex history, initially settled by Native American tribes, followed by French and Spanish colonization.  The state played a crucial role in the antebellum South and is known for its connection to the Mississippi River and the plantation economy.  Louisiana became part of the United States through the Louisiana Purchase in 1803.

Louisiana’s housing market is influenced by factors such as supply and demand, interest rates, and economic conditions.  Housing prices can vary across the state, with higher prices typically found in urban areas like New Orleans and Baton Rouge.  New Orleans has a unique real estate market with historic architecture and diverse neighborhoods.  The city’s real estate market has been influenced by its cultural attractions, including the French Quarter.

Baton Rouge, as the state capital, has a diverse real estate market. It’s influenced by factors such as government activities, education (with Louisiana State University located there), and the petrochemical industry.

The state’s economy, particularly the energy and petrochemical sectors, can impact the real estate market. For example, fluctuations in oil prices may influence the demand for housing.

Affordability is a key factor in the Louisiana real estate market.  It’s cost of living, property taxes, and other expenses are more affordable than most other coastal areas.

Louisiana has a rental market that caters to both short-term rentals (tourism-related) and long-term residential rentals. New Orleans, in particular, has a vibrant short-term rental market.

Thank you again for allowing us to help you with your Louisiana Home Loan.

Louisiana Home Loans

Louisiana Conventional Home Loans

Louisiana Conventional Home Mortgage adhere to Fannie Mae and Freddie Mac requirements.  These loans can be used for primary residence, secondary and investment properties.  Typical eligibility requirements include a minimum credit score of 620, a stable income, and a minimum down payment.  Conventional Home Loans are also called Conforming loans and have capped loan limits that are updated annually on January 1st base on the median selling price within a local area.

Louisiana FHA Home Loans

A Louisiana FHA Home Mortgage is a mortgage insured by the Federal Housing Administration or “FHA” and issued by an FHA-approved lender.  FHA loans are designed for low-to-moderate-income applicants and first time homebuyers who need a smaller down payment.   However, FHA home loans can be used by anyone.

FHA home loans feature a low down payment, flexible credit score requirements and the ability to use gift funds for the down payment.  Other eligibility requirements for a Louisiana FHA home loan is consistent employment history and documented income.

Louisiana VA Home Loans

Louisiana VA Home Mortgage is a mortgage option for qualified veterans, active-duty service members, and select surviving spouses in Louisiana.  These loans are made by private lenders but are guaranteed by the United States Department of Veterans Affairs, allowing for favorable terms such as no down payment and no private mortgage insurance (PMI).   VA home loans are widely available, with competitive interest rates and liberal credit standards.

Louisiana USDA Home Loans

Louisiana USDA Home Mortgage is a zero down mortgage program provided by the US Department of Agriculture (USDA) to assist low-to-moderate-income buyers . USDA home loans are classified into two types: USDA-Guaranteed and USDA-Direct.  The USDA-Guaranteed Home Loan is made available by a private lender and guaranteed by the USDA, whereas the USDA-Direct home loan is made available directly by the USDA.  To be eligible for USDA financing, the residence must be located in an approved rural area and household income cannot exceed 115% of the median household income in your area for Guaranteed Loans.

Louisiana Jumbo Home Loans

Louisiana Jumbo Home Mortgage is a mortgage that exceeds the standard conventional loan limits.  These loans are widely utilized to finance luxury properties and have grown in popularity as values have continued to increase.  Jumbo loans frequently include fixed-rate durations such as 30-year and 15-year and adjustable-rate alternatives. Financing of up to $3,000,000 is offered at 90% with no PMI (Private Mortgage Insurance).

Louisiana Non QM Home Loans

Louisiana Non-Qualified-Mortgage-Loans, also known as a Non-QM loan, is a form of mortgage loan that does not meet the government-sponsored enterprise (GSE) requirements for a qualified mortgage.  Borrowers who fail to meet the tight standards of a qualifying mortgage, such as those with irregular income or a high debt-to-income ratio, are perfect candidates for this sort of loan.

Louisiana Native american Home Loans

Louisiana Native American Mortgage, also known as a HUD 184 Home Loan, is a government mortgage loan specifically for registered Louisiana Native Americans.  This loan offers easier credit qualifications, tribal grants and can be used to renovate the home along with the purchase.

Louisiana One Time Close construction Home Loans

One Time Close Construction Mortgage Company
Louisiana One-Time Close Construction Mortgage is distinct from a traditional construction home loan in combining the construction loan and the permanent mortgage into a single loan.  This means you only have to go through the application and closing process once, saving time and money.  A traditional construction home loan requires you to apply for a separate mortgage after the construction is completed.  An OTC loan also can. be combined with other standard mortgage products resulting in much smaller down payments.
One Time Close Construction Mortgage Company
Why Louisiana HomeBuyers are Choosing Capital Home Mortgage
Close On Time

Complete Control from Application to Funding

Low Rates & Low Fees

Direct Lender with Competitive Rates & Low Fees

Exceptional Service

7  Day a Week Support Application to Final Payment

Louisiana Mortgage Rates

Have you ever wondered why interests rates are what they are and what determines the final rate?  Why borrowers receive different interest rates? Or why rates go up and down?  Interest Rates are calculated using several factors.

  • Demand for mortgage Securities
  • Property securing the mortgage
  • occupancy of the property
  • Loan to value of the property
  • Borrower’s credit worthiness
Louisiana Home Mortgage Programs

Louisiana Home Purchase loans

Looking to Purchase a Louisiana Home?

Looking to Purchase a Home? We have the loan program for you… Call today to speak with a loan officer to discuss your personal mortgage options.
  • Primary, 2nd Home, Investment
  • Low Rates & Fees, No fee Options
  • FHA, VA, USDA, Native American
  • Conventional, Jumbo & Renovation
  • Manufactured, Construction, Reverse

Louisiana Renovation Home Loans

Looking to Rehab a Louisiana Home?

Want the Charm of an Older Neighborhood? But want a new place or a fresh look? Why not a renovation loan? Purchase the Perfect Home and make it your own.
  • Remodel, Renovate or Repairs
  • FHA 203K Streamline 
  • FHA Full Documentation Rehab
  • Fannie Mae Homestyle Reno
  • Freddie Mac Home Choice Reno

Louisiana FHA Home loans

Great 1st Time Louisiana Homebuyers

FHA Home Loans are great for first time home buyers, buyers with less than perfect credit, or buyers needing less out of pocket.   Call today to get started.
  • Smaller Down Payments
  • Flexible Underwriting Guidelines
  • Higher Debt to Income Allowed
  • Lower Credit Scores – Down to 500
  • Down Payment Gifts Allowed

Louisiana va Home Loans

100% Financing for Louisiana Vets

Proudly Serving Active Duty servicemen and women, as well as, retired and disabled veterans. Call today to speak with a VA loan officer.
  • No Mortgage Loan Limits
  • Simple Qualifying
  • Higher Debt to Income Allowed
  • Lower Credit Scores – Down to 500
  • Manual Underwriting Allowed

Louisiana Conventional Home loans

Kansas for Louisiana Homebuyers

Conventional Home Loans are the best option for flexibility of property types and for mortgage loan terms. Call today to get speak to a loan officer.
  • Primary, 2nd Home, Investment Properties
  • Single and Multi-Family Properties
  • Variable Mortgage Insurance Options
  • Low Rates & a Variety of Mortgage Terms
  • Renovation Programs Available

Louisiana Jumbo Home Loans

Louisiana Non-Conforming Home Loans

Jumbo Home Loans also called Non Conforming Home Loans are great options for buyers needing financing outside of agency limits. Call today.
  • Primary & 2nd Homes
  • Variety of Mortgage Programs
  • Simple Qualifying for Veterans
  • Investor Specific Guidelines
  • Credit Score Minimums

Louisiana USDA Home loans

Louisiana 100% Rural Home Loans

USDA Loans are a great option for families wanting to live outside of the city.  Call today to speak with a loan officer to discuss your personal loan options.
  • Primary Residences
  • No Down Payment Required
  • New Manufactured Homes Allowed
  • Closing Costs / Repairs Rolled In
  • Geographic and Income Limits Apply

Louisiana Native american Home Loans

Louisiana Hud 184 Home Loans

HUD 184 Home Loans are solely for Native American and offer a variety of benefits.  Call today to speak with a loan officer to find out more.
  • Primary Residence Only
  • Manual Underwriting for All Loans
  • No Credit Score Requirements
  • Tribal Grants Allowed
  • Purchase, Refinance, and Renovation

Louisiana Manufactured Home loans

Great Louisiana Alternative Housing

Manufactured Home Loans offer options to purchase an existing residence or build your dream home on your own land. Call today to speak to a Loan Officer.
  • Existing Purchase or Refinance
  • New Construction
  • One Time Close Land/Home Combo
  • Lock at Contract
  • FHA, VA, USDA, Native American

Louisiana Reverse Mortgage Loans

Your Louisiana Home at Work

Reverse Mortgage Loans offer seniors options to use their home’s equity for cash or to eliminate payments. Call today to get speak to a Reverse Loan Officer.
  • Primary Residence Only
  • Simple Qualifying – Equity Based
  • No Credit Score Requirements
  • Minimum Age 62
  • Purchase, Refinance, and Cash-Out

Louisiana Non QM Home loans

Making Louisiana Mortgages Possible

Looking for Non Traditional Home Mortgage Loan?  Contact a Loan Officer Today to discuss the alternative mortgage options currently available.
  • Purchase, Refinance & Cash-out
  • Primary, Secondary, Investment Properties
  • Full Doc Programs
  • Alt Doc Programs
  • Corporations OK

Louisiana One Time Close Home Loans

Build Your Louisiana Dream Home

Want to Build? But unsure of what the future looks like? Remove the risk with a One Time Close Construction Loan.  Call today to see how a OTC loan works.
  • Primary Residences Only
  • One Time Close
  • Lock Rate at Closing
  • Traditional Final Mortgages
  • No Payments During Construction

Louisiana Refinance Mortgage loans

Louisiana Rate & Term Refinance

Refinancing can be a hard decision and the payback can sometimes be confusing.  Call today and let our Loan Officers walk you through the process.
  • Lower Monthly Payment
  • Shorten Mortgage Term
  • Streamline Options Available
  • Appraisal Waivers Allowed
  • VA IRRRL’s

Louisiana Cashout Mortgage Loans

Louisiana Equity Mortgage Loans

Cash-Out Mortgage Loans make use of the equity in your home by allowing you to refinance the current mortgage and access this equity to use as you see fit.
  • Debt Consolidation
  • Investment Opportunities
  • Home Improvement
  • Dream Vacation
  • Higher Education

Louisiana Mortgage Team

Dale Gremillion

Sr Loan Officer
NMLS #210325

Conor Hayhurst

Branch Manager
NMLS #743506

Sam Klaburner

Sr Loan Officer
NMLS #140132
Rebecca Solomon

Rebecca Solomon

Sr Loan Officer
NMLS #156188

Louisiana Mortgage Company Reviews

Louisiana Cities

New Orleans Home Loans

Baton Rouge Home Loans

Shreveport Home Loans

Metairie Home Loans

Lafayette Home Loans

Lake Charles Home Loans

Bossier City Home Loans

Kenner Home Loans

Monroe Home Loans

State Specific Mortgage Information
AL AK AZ AR CA CO CT DE FL GA HI ID IL IN IA KS KY LA ME MD MA MI MN MS MO MT NE NV NH NJ NM NY NC ND OH OK OR PA RI SC SD TN TX UT VT VA WA WV WI WY DC

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