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Home Loans In Shreveport, Louisiana

Situated on the banks of the Red River, Shreveport is the economic and cultural center of AR-LA-TX, the confluence of northeastern Texas, southern Arkansas, and northwestern Louisiana.

Shreveport, Louisiana, is among the few places where the American dream remains alive. The city is ranked as one of the most affordable areas to live in the state, allowing residents to maintain a higher standard of living. Many people who live or relocate here can afford to purchase a home or a larger one compared to other cities with the same amount of money.

If you are interested in buying a home in Shreveport, we can help you find the right home loan to finance it. Capital Home Mortgage provides a diverse range of home loan programs to meet the needs of a wide range of homebuyers.

Home Loan Programs In Shreveport, LA

Shreveport residents can choose from three main types of home loans:

1. Government-Insured and Guaranteed Mortgages

As the name suggests, these are home loan programs backed by the federal government. They are designed to help average and low-income Americans obtain mortgage products that will allow them to become homeowners.

Because the government insures these mortgages, they are generally easier to qualify for and ideal for first-time homebuyers with low credit scores and small down payments.

The most common types are as follows:

  • FHA Mortgages

The Federal Housing Administration manages this program. With its more relaxed qualifications and 3.5 percent down payment requirement for borrowers, and a credit score of at least 580, an FHA loan is often the best option for first-time homebuyers.

  • USDA Loans

This program, overseen by the United States Department of Agriculture, is ideal for borrowers who want to own a home in a qualified rural area. USDA loans provide 100% financing with no money down.

  • VA Home Loans

This program is handled by the United States Department of Veterans Affairs and is exclusive to active or retired veterans and their spouses. If you are eligible for a VA home loan, you may be able to get a mortgage with no money down and an attractive interest rate.

  • HUD 184 Mortgages

The HUD 184 home loan program by the U.S. Department of Housing and Urban Development aims to help Native American Indians purchase their own home with as little as 1.25% down. 

2. Conventional Home Loans 

Any mortgage not backed by the government is considered a conventional loan. While government-insured loans are almost always only for purchasing primary homes, conventional home loans can be used to finance primary and secondary residences and investment properties.

You may obtain a conventional loan with a down payment of as little as 3% of the property’s purchase price with impeccable credit, but you’ll have to pay for private mortgage insurance. If you don’t want the added insurance costs, put in at least 20% down. 

Conventional loans are also more challenging to obtain than government-insured loans. You’ll need a credit score of at least 620 to qualify.

3. Jumbo Home Loans 

Jumbo loans are appropriately named because they provide significantly more significant loan amounts than conventional and government-backed loans. A Jumbo home loan is considered a non-qualified mortgage. They are commonly used to finance the acquisition of high-end real estate or homes in expensive areas such as New York, Los Angeles, and Hawaii.

Due to the enormous sums involved, the qualifications for jumbo home loans are more stringent than other types of home loans. They also require more detailed documentation of your financial records. 

Shreveport, Louisiana Mortgage Lender

Capital Home Mortgage is a full-service, direct mortgage lender serving the Shreveport, LA area. If you’re looking for an experienced and reliable mortgage lender in Northwestern Louisiana, we are the perfect team for the job!

At Capital Home Mortgage, we understand that purchasing a home is a significant decision and milestone. Our mortgage professionals work tirelessly to provide our clients with the guidance and education to become more informed homebuyers.  

Get A Quick No-Obligation Quote Today!

At Capital Home Mortgage Shreveport, we offer dedicated points of contact throughout the home loan process to help find you the right program to meet your home buying needs. You can count on us to provide a stress-free home buying experience from beginning to end.

For more information about our home loan programs, call (225) 208-7599.

Why Shreveport Is Choosing Capital Home Mortgage...

Close On Time with True Approval

Control of the Loan from the Application to Funding.

Great Shreveport Rates / Low Fees

Direct Mortgage Lender Providing Competitive Rates and Low Fees.

Shreveport Customer Service

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

Shreveport Mortgage Rates

Capital Home Mortgage Shreveport is dedicated to offering Great Shreveport 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

Shreveport Mortgage Loans

Shreveport Home Purchase

Buying A Shreveport Home?

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

Shreveport Renovation Home Loans

Shreveport Rehab Loans

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

Shreveport FHA Home Loans

1st Time Shreveport Homebuyers

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

Shreveport VA Home Loans

100% Loans for Shreveport Veterans

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

Shreveport Conventional Home Loans

Flexibility for Shreveport Buyers

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

Shreveport Jumbo Home Loans

Great Shreveport Rates

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

Shreveport USDA Home Loans

Rural Shreveport Properties

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

Shreveport Native American Loans

Shreveport HUD 184 Loans

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

Shreveport Manufactured Home Loans

Shreveport Mobile Home Loans

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

Shreveport Reverse Mortgages

Your Shreveport Home At Work!

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

Shreveport Cash-Out Refinance

Shreveport Equity Refinance

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

Shreveport Mortgage Refinance

Shreveport Rate & Term Refinance

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

Shreveport, 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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