Today's Fixed Rate4.9%5.3% APR Fixed Mortgage

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Lower Your Interest Rate

If eligible, you can lower your interest rate. This could lead to lower payments and less money paid towards interest.

Why should I lower my rate?
Piggy bank Save money
Lower cost Lower Payments

Shorten Your Loan Term

Shorten your loan term when refinancing from a 30-year term to a 15-year term. You may also lower your rate.

Why should I shorten my term?
House Become mortgage-free quickly
Lower interest Pay less interest

Leverage Your Home's Equity

Take cash out of your home to apply to improvements, renovations, or other necessary expenses.

Why should I cash out?
Paint roller Renovations
Credit card hazard Pay for other debts or emergencies

Louisiana Mortgage Rates

They call New Orleans “The Big Easy,” and that attitude tends to apply to most of the state of Louisiana.

If you want to relocate to a southern coastal state with beautiful scenery, world-class cuisine, an affordable cost of living, and that famously laid-back attitude, Louisiana should be at the top of your list.

Common Louisiana Loan Types:

  • Louisiana conventional mortgages: Louisiana mortgage requirements and rates vary based on the area you live in, or want to live in, and your financial situation. Compare mortgage rates on to find the option that's right for you.
  • Louisiana FHA loans: Home loans backed by the FHA are offered throughout the U.S. The FHA doesn't offer loans directly, you can find one through an FHA-approved lender in Louisiana on today. FHA loans are typically offered to first-time homebuyers. FHA loans are designed for low- to moderate-income borrowers with lower credit scores.
  • Louisiana VA loans: VA loans are backed by the Department of Veterans Affairs; VA loans are offered to eligible active duty service members and veterans. The VA doesn't offer loans directly, but you can find one through a VA-approved lender in Louisiana through VA loans require no down payment and typically have lower interest rates than conventional mortgages.

Louisiana Mortgage Rates Compared to National Averages

Mortgage rates in Louisiana tend to stick right around the national averages, which can make them a fantastic deal for anyone moving from states with higher rates, but not such a great bargain for those moving from states with lower rates.

These rates become even more appealing when you consider that the average home value in Louisiana comes in at about half of the national average. The cost of living is also significantly lower than the national average, which only improves the savings homebuyers experience after moving to Louisiana.

Louisiana homebuyers can find down payment assistance and favorable interest rates through a variety of programs offered by the Louisiana Housing Corporation.