Loan Programs

Conventional loans are home mortgages that are not insured or guaranteed by the government. They typically require a higher credit score and a down payment, but offer competitive interest rates and flexible terms. These loans are ideal for first-time homebuyers, move-up buyers, and investors who meet standard lending criteria. With a conventional loan, borrowers can finance a primary residence, second home, or investment property while building equity over time.

Renovation loans help homebuyers and homeowners finance both the purchase and the cost of repairs or upgrades in a single mortgage. They’re ideal for first-time buyers, move-up buyers, and investors looking to improve a property in New Orleans, Metairie, or surrounding areas. These loans can cover projects like kitchen remodels, roof repairs, or energy-efficient upgrades while building long-term home value. With a renovation loan, you can turn a fixer-upper into your dream home while financing it through one convenient mortgage.

FHA loans are government-backed mortgages insured by the Federal Housing Administration, designed to help first-time homebuyers and those with lower credit scores or smaller down payments. These loans offer competitive rates and more flexible qualification requirements compared to conventional mortgages. They’re ideal for buyers in New Orleans, Metairie, and surrounding parishes who want an affordable path to homeownership. With an FHA loan, you can secure your home while building equity and taking advantage of lower upfront costs.

VA loans are mortgage programs guaranteed by the U.S. Department of Veterans Affairs, designed to help eligible veterans, active-duty service members, and their families achieve homeownership. These loans often require no down payment or private mortgage insurance, making them an affordable option for buyers in New Orleans, Metairie, and surrounding areas. VA loans offer competitive interest rates and flexible terms, ideal for both first-time homebuyers and experienced homeowners. With a VA loan, qualified clients can finance a primary residence with confidence while taking advantage of exclusive benefits.

Jumbo loans are mortgages that exceed the conforming loan limits set by Fannie Mae and Freddie Mac. They’re designed for buyers in New Orleans, Metairie, and surrounding areas who are purchasing higher-priced homes and need larger financing. Jumbo loans typically require strong credit, a larger down payment, and proof of income, but they offer competitive interest rates for qualifying borrowers. These loans are ideal for clients looking to purchase luxury properties or investment homes while securing favorable mortgage terms.

Refinancing is the process of replacing your existing mortgage with a new loan, often to secure a lower interest rate, reduce monthly payments, or access home equity. It’s ideal for homeowners in New Orleans, Metairie, and surrounding areas looking to save money or adjust their loan terms. Refinancing can also help fund home improvements, consolidate debt, or switch from an adjustable-rate to a fixed-rate mortgage. With the right guidance, refinancing provides a smart way to improve your financial situation while maintaining confidence in your home loan.