Mortgage Loan Rates & Options

Purchase Power Mortgage

With 100% financing for purchases, a Purchase Power Mortgage is ideal for a first-time homebuyer.

• No down payment required
• Fixed interest rate
• NO Private Mortgage Insurance (PMI) required
• Seller contribution up to 6% allowed
• Maximum loan amount $300,000
• Maximum DTI (Debt to Income ratio) 40%

Requirements to qualify

• Minimum mid credit score of 660
• No slow payments in the last 24 months
• Judgments, liens, collections, voluntary or involuntary repossessions, charge-offs, federal and state tax liens must all be paid in full
• No open or active mortgage allowed qualifying for the product
• Minimum 25 months of verified employment in the same or related field
• Two years W-2s and Tax returns required
• Property must be located in East Baton Rouge, West Baton Rouge, East Feliciana, West Feliciana, Ascension, Iberville, Livingston, Pointe Coupee, or St. Helena parish
• Property must be a detached single family dwelling (no condos/town homes/mobile or manufactured/modular homes)

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Lot/Land Loans

Purchase a lot or land prior to building.

• Up to 100% financing available
• Terms up to 12 years

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Jumbo Mortgage

For mortgages between $726,200 and $1,000,000.

• Up to 85% financing available on purchases and all refinances
• NO private mortgage insurance (PMI) required
• Minimum credit score of 720
• Primary residence only in the following parishes: East Baton Rouge, Ascension, East Feliciana, Iberville, Livingston, Pointe Coupee, St. Helena, West Baton Rouge, West Feliciana

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Conventional Mortgage Loans

Purchase and Refinance

With a wide choice of terms and competitive mortgage rates, our mortgage options work within your budget and fulfill your homeownership dreams.

• 10, 15, 20, or 30-year terms.
• Fixed or adjustable-rate financing.
• Multiple down payment options.

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