Relocating to Louisiana

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Are you considering to moving to Louisiana but just aren’t sure if it’s the right choice for you? There are some things you should take into account before making that choice, and we want to help you figure out if it’s the right decision for you. Making a move whether it be to a new… [Read More]

What is a Conventional Loan?

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If you are buying a home and are not purchasing with cash, you are most likely considering your finance options and the most common type of loan is a conventional loan. A conventional loan is not backed by the government like an FHA or VA loan. Types of Conventional Loans Another type of conventional loan… [Read More]

Fixed Rate Mortgages and Adjustable Rate Mortgages

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If you are in the market to purchase a home, there’s plenty of things to research, but the most important, and usually the first thing people consider is financing. The next thing you’ll want to do is decide between the two types of mortgages: fixed rate or adjustable rate mortgage. The main difference between the… [Read More]

USDA Loans

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Are you in the process of buying a home but just not sure how you plan get funding? Or maybe you’re a first time home buyer looking for potential options to purchase without a significant down payment? Maybe a USDA is the right choice for you to fund the purchase of your new home. What… [Read More]

What Is a VA Loan?

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For those who have served in the military or armed forces, a major benefit they receive is the option to purchase a home with a VA loan. For those that qualify, they can use this loan to purchase a home or use to purchase land and build on the property. VA loans can be very… [Read More]

Understanding Closing Costs

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Thinking About Buying a Home? Are you considering buying a home and thinking about whether or not you can truly afford it? You know that there is the cost of the home, taxes, insurance, but you keep hearing about closing costs and you’re not sure what they are, how much they are, or to whom they… [Read More]

What Is An Interest Rate?

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An interest rate is an amount it costs to borrow money and is usually calculated in a percentage. If you are borrowing a large amount of money, you will want to keep the interest rate low so that you can keep the overall cost of the loan as low as possible. Many short-term loans have… [Read More]

Can I Refinance to Get a Lower Rate?  

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The short answer is yes, you certainly can refinance to get a lower mortgage rate. When you purchase a home you most likely took out a mortgage to buy the home. If you choose to get a new mortgage to replace the first one, that is called refinancing. If your credit is in good shape,… [Read More]

Understanding Your Debt-to-Income Ratio

Young Man Worries About Debt and Money

Keeping an eye on your finances is always important, and one of the ways to do so is by making your debt-to-income ratio is in check. Your debt-to-income ratio is basically how much debt you have in comparison to your income. You want to keep your debt level as low as possible so that you… [Read More]

Finding Down Payment Assistance

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What If I Don’t Have a Down Payment? If you are considering purchasing a home, one of the first things you will need to consider is a down payment. The larger the percentage of the value of the home you have available as a down payment, the smaller the monthly payments will be in the… [Read More]