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Lafayette Mortgage Lender

Home Loans In Lafayette, Louisiana

Lafayette, Louisiana’s fourth-largest city, is known for its cuisine, traditional music, and world-class festivals. Beyond its rich history and fiery cuisine, however, Lafayette is also among the top places to live in Louisiana.

Lafayette’s vibrant districts range from historic neighborhoods to ritzy planned communities and have become a popular choice of residence for young and diverse professionals. Whether you want a classic house in the suburbs or a thriving downtown scene, Lafayette has a diverse range of neighborhoods to suit everyone’s needs.

Phases Of The Home Buying Process

Are you planning to buy a home in Lafayette? This article discusses the four main stages of the home buying process to prepare you for the journey ahead. 

     1. Mortgage Pre-approval

Unless you’re planning to purchase a house in cash, the first step in the home buying process is to get pre-approved for a mortgage. This is where you submit the required information and financial documents to a mortgage lender so they can examine the state of your finances and determine your creditworthiness as a borrower.

Suppose the lending company likes what they see, and you fulfill the other loan eligibility criteria. In that case, they will give you a letter outlining your pre-approval for a mortgage and the loan amount they’re willing to offer.

Your pre-approval letter is essential because it assures home sellers and agents that you will be able to raise the necessary funds for the purchase if they decide to sell the property to you.

     2. House Shopping

After receiving your pre-approval letter, you can start checking out homes. When house hunting, consider your family’s needs, space requirements, and budget. You could be paying for the house for 10 to 30 years. You can’t afford to buy a home that will cause buyer’s remorse later.

We recommend working with an experienced real estate agent to save time, energy, and expenses in this process. All you have to do is let your agent know the type of property you’re looking for, your preferred neighborhoods, and your budget. They’ll do the legwork and find you a home that fits your standards.

     3. Making An Offer 

Once you find the perfect home, it’s time to make an offer. This stage will involve a lot of negotiations between you and the seller’s team. Still, if you work with an agent, they can handle negotiations on your behalf and even assist you with the necessary paperwork.

You should begin with an offer so that it stands out to the seller. This is especially useful if the property has drawn many potential buyers and the seller has multiple offers on the table.

     4. Loan Processing And Closing

Following a successful negotiation with the seller, your lender will then finalize your loan details and determine whether or not your application is approved.

If approved, you will go through the closing process with the mortgage company. They will notify you of the loan terms and the fees to pay at closing. You’ll sign the essential documents at the closing meeting, pay the down payment and closing costs, and finally take ownership of your new home.

Lafayette, Louisiana Mortgage Lender

It’s evident from the timeline discussed above that the lender plays a very important in the home buying process. That is why you must work with a reputable mortgage lender in Lafayette.

Capital Home Mortgage is a direct mortgage lender, which means we have complete control over the home loan process. As a result, we can make decisions on loan applications more quickly and offer borrowers competitive interest rates.

You Deserve A Stress-Free Home Buying Experience

At Capital Home Mortgage, we are dedicated to making the home-buying process as simple as possible. 

Allow us to assist you in obtaining the best home financing today. We are excited to work with you and provide your next Lafayette home loan. Give us a call at (225) 208-7599.

Why Lafayette is Choosing Capital Home Mortgage...

Close On Time with True Approval

Control of the Loan from the Application to Funding.

Great Lafayette Rates / Low Fees

Direct Mortgage Lender Providing Competitive Rates and Low Fees.

Lafayette Customer Service

7  Day a Week Support from Application to Final Mortgage Payment. 

Lafayette Mortgage Rates

Capital Home Mortgage Lafayette is dedicated to offering Great Lafayette Mortgage Rates.

Call now to speak with a Loan Officer or request a no obligation custom rate quote.

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 the mortgage Securities
  • Property securing the mortgage
  • occupancy of the property
  • Loan to value of the property
  • Borrower’s credit worthiness

Lafayette Louisiana Mortgage Loans

Lafayette Home Purchase

Buying a Lafayette Home?

  • Primary, 2nd, Investment
  • Low Rates & Low Fees
  • Conventional, FHA, VA, USDA
  • Jumbo, Reno, Manufactured

Lafayette Renovation Home Loans

Lafayette Rehab Loans

  • Remodel, Renovate, Repair
  • FHA 203K Streamline or Full
  • Fannie Mae Homestyle Reno
  • Freddie Mac Choice Reno

Lafayette FHA Home Loans

1st Time Lafayette Homebuyers

  • Smaller Down Payment
  • Flexible Underwriting
  • Higher Debt to Income Ratios
  • Lower Credit Scores Allowed

Lafayette VA Home Loans

100% Loans for Lafayette Veterans

  • Simply Qualifying
  • No Down Payments 
  • Lower Credit Scores Allowed
  • Manual Underwriting Allowed

Lafayette Conventional Home Loans

Flexibility for Lafayette Buyers

  • Primary, 2nd, Investment
  • Great Rates & Low Fees 
  • Single and Multi-Family
  • Renovation Loan Programs

Lafayette Jumbo Home Loans

Great Lafayette Rates

  • Primary & 2nd Homes
  • Higher Amounts – 3 Million
  • Great Interest Rates
  • Investor Specific Guidelines

Lafayette USDA Home Loans

Rural Lafayette Properties

  • Rural Properties Only
  • Primary Residence Only
  • New Manufactured Homes
  • Closing Costs Can Be Rolled In

Lafayette Native American Loans

Lafayette HUD 184 Loans

  • Primary Residence Only
  • Manual Underwrite All Loans
  • No Credit Score Requirements
  • Tribal Grants Allowed

Lafayette Manufactured Home Loans

Lafayette Mobile Home Loans

  • Purchase or Refinance
  • New Home Purchase
  • OTC Combo Land & Home
  • FHA, VA, USDA, & HUD 184

Lafayette Reverse Mortgages

Your Lafayette Home at Work!

  • Primary Residence Only
  • Simple Qualifying
  • Credit Scores Not Applicable
  • Minimum Age 62

Lafayette Cash-Out Refinance

Lafayette Equity Refinance

  • Reduce Mortgage Term
  • Lower Monthly Payments
  • Appraisal Waivers
  • Streamline Options Available

Lafayette Mortgage Refinance

Lafayette Rate & Term Refinance

  • Purchase, Refi & Cash-out
  • Primary, 2nd & Investment
  • Full Doc & Alt Doc Programs
  • Corporations OK

Lafayette Louisiana Mortgage Team

Conor Hayhurst

NMLS 743506

Damon Embler

Sr Loan Officer
NMLS 882260

chris erwin

Sr Loan Officer
NMLS 914064

Dale Gremillion

NMLS 210325

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