Louisiana Mortgage Rates and Refinance Rates

Louisiana Mortgage Rates - Refinance Rates:

Search and compare mortgage rates and refinance rates in Louisiana. Our rate table has a list of Louisiana mortgage rates and mortgage refinance rates. You can also use our free mortgage calculator to calculate monthly mortgage payments.

When you start your search for current mortgage rates in Louisiana you need to first have an understanding of the types of mortgages available and their corresponding interest rates. Types of rates available in Louisiana include conforming mortgage rates, super conforming rates, jumbo rates, adjustable rates, HELOC rates and home equity loan rates. There are variations of each type of mortgage available in Louisiana listed below.

Loan Type
Purchase    Refinance
Location
State/City    Zip Code
Loan Amt Points FICO % Down
  
$
30 yr fixed refi in 70801, All points, Credit score: 740+     Sort by:
Lender
APR
Rate
Cost & Fees
Notes
 
eRates Mortgage Logo
NMLS # 1071
State Lic # 1071
at 0.100 pts
30 day lock rate
Est payment: $926.23
Fees in APR: $700
Thank you for your inquiry, we will be in touch shortly. 
 
Northpointe Bank Logo
at 0.100 pts
30 day lock rate
Est payment: $912.10
Fees in APR: $1,962
Thank you for your inquiry! 
 
e-Lend Logo
NMLS # 2826
State Lic # RML2826
(877) 410-5082
at 1.000 pts
30 day lock rate
Est payment: $926.23
Fees in APR: $1,378
 
 
Sebonic Financial Logo
NMLS # 66247
State Lic # 66247
(877) 407-3813
at 0.100 pts
30 day lock rate
Est payment: $898.09
Fees in APR: $2,996
Thank you for your inquiry, we will be in touch shortly. 
 
ConsumerDirect Mortgage, a division of First Bank Logo
NMLS # 790396
at 1.000 pts
30 day lock rate
Est payment: $912.10
Fees in APR: $1,500
 
Citibank, N. A. Logo
NMLS # 412915
(877) 693-8156
at 0.000 pts
60 day lock rate
Est payment: $998.57
Fees in APR: $1,580
 
 
Sebonic Financial Logo
NMLS # 66247
State Lic # 66247
(877) 407-3813
at 0.000 pts
30 day lock rate
Est payment: $912.10
Fees in APR: $1,514
Thank you for your inquiry, we will be in touch shortly. 
 
eRates Mortgage Logo
NMLS # 1071
State Lic # 1071
at 0.000 pts
30 day lock rate
Est payment: $940.47
Fees in APR: None
Thank you for your inquiry, we will be in touch shortly. 
 
e-Lend Logo
NMLS # 2826
State Lic # RML2826
(877) 410-5082
at 0.000 pts
30 day lock rate
Est payment: $940.47
Fees in APR: None
 
 
ConsumerDirect Mortgage, a division of First Bank Logo
NMLS # 790396
at 0.000 pts
30 day lock rate
Est payment: $940.47
Fees in APR: None
 
JG Wentworth Home Lending Logo
NMLS # 2925
State Lic # 2925
(877) 437-3841
at 0.000 pts
45 day lock rate
Est payment: $940.47
Fees in APR: $299
 
 
Northpointe Bank Logo
at 0.000 pts
30 day lock rate
Est payment: $926.23
Fees in APR: $337
Thank you for your inquiry! 
 
ConsumerDirect Mortgage, a division of First Bank Logo
NMLS # 790396
at 2.000 pts
30 day lock rate
Est payment: $898.09
Fees in APR: $2,856
 
eRates Mortgage Logo
NMLS # 1071
State Lic # 1071
at 1.100 pts
30 day lock rate
Est payment: $912.10
Fees in APR: $700
Thank you for your inquiry, we will be in touch shortly. 
 
Sebonic Financial Logo
NMLS # 66247
State Lic # 66247
(877) 407-3813
at 1.100 pts
30 day lock rate
Est payment: $884.19
Fees in APR: $2,324
Thank you for your inquiry, we will be in touch shortly. 
 
First Internet Bank Logo
NMLS # 424182
at 0.100 pts
30 day lock rate
Est payment: $912.10
Fees in APR: $2,488
Thank you for your inquiry! 
 
First Internet Bank Logo
NMLS # 424182
at 0.000 pts
30 day lock rate
Est payment: $940.47
Fees in APR: $423
Thank you for your inquiry! 
 
at 0.000 pts
45 day lock rate
Est payment: $926.23
Fees in APR: None
 
 
Flagstar Bank Logo
NMLS # 417490
at 0.000 pts
30 day lock rate
Est payment: $953.68
Fees in APR: $94
Thank you for your inquiry! 
 
Flagstar Bank Logo
NMLS # 417490
at 0.100 pts
30 day lock rate
Est payment: $926.23
Fees in APR: $2,768
Thank you for your inquiry! 
 
Flagstar Bank Logo
NMLS # 417490
at 1.100 pts
30 day lock rate
Est payment: $926.23
Fees in APR: $812
Thank you for your inquiry! 
 
Raymond James Bank, NA
4.305%
12/12/2017
4.250%
at 0.000 pts
45 day lock rate
Est payment: $983.88
Fees in APR: $1,299
 
 
Citizens Bank, NA
4.292%
12/15/2017
4.250%
at 0.000 pts
60 day lock rate
Est payment: $983.88
Fees in APR: $998
 
 
Regions Bank
4.290%
12/15/2017
4.250%
at 0.000 pts
45 day lock rate
Est payment: $983.88
Fees in APR: $950
 
 
Southern Heritage Bank
4.155%
12/15/2017
3.990%
at 1.000 pts
30 day lock rate
Est payment: $953.68
Fees in APR: $1,920
 
 

Mortage Data Provided by Bankrate.com Many lenders have different rates on their own Websites than those posted on Bankrate.com. In order to get the Bankrate.com rate, please identify yourself as a Bankrate.com customer. If you believe that you have received an inaccurate quote or are otherwise not satisfied with the services provided to you by the lender you choose, please click here.

The rates above were collected by Bankrate.com on the dates specified. Rates are subject to change without notice and may vary from branch to branch. Rate/APR and terms may vary based on the creditworthiness of the individual and the extent to which the loan differs from the one used for Bankrate.com quotes. For criteria used in surveys of rates above, click here. These quotes are from banks, thrifts, and brokers, some of whom have paid for a link to their own Web site, where you can find additional information.





Louisiana Conforming Mortgage Rates

Conforming mortgage rates are rates on mortgages that meet the criteria set out by the Federal Housing Finance Agency. There are limits set for each county of Louisiana. There are higher mortgage loan limits for designated high-cost areas, like on the coasts and in large cities.

Louisiana mortgages that “conform” to the standards set out by the Federal Housing Finance Agency can be purchased by Freddie Mac and Fannie Mae. This process guarantees banks are able to resell Louisiana mortgage loans that have been made. As a result, Louisiana mortgage rates today are lower than jumbo interest rates in Louisiana. Conforming mortgages and jumbo mortgages are available in terms of 40 years, 30 years, 25 years, 20 years, 15 years and 10 years.

Louisiana Super Conforming Home Loan Rates

Super conforming mortgages in Louisiana are mortgages that have higher mortgage loan amounts but still “conform” to the standards set by the Federal Housing Finance Agency. Super conforming mortgages are available for the higher cost housing areas like the coasts and in large cities.

Louisiana Jumbo Loan Interest Rates

Louisiana jumbo mortgage rates are rates for mortgage loans that have a dollar amount higher than conforming and super conforming loan amounts. Jumbo home loan rates in Louisiana are usually 0.75 basis points higher than conforming mortgage rates in Louisiana because there is no guarantee banks and credit unions can sell these mortgages after they make the loans.

Louisiana Fixed Rate Mortgages

Fixed rate mortgages are the most common mortgage available in Louisiana. The mortgage rate and the monthly payment stay the same for the entire life of the mortgage loan. This makes fixed rate mortgages the most stable and predictable for mortgagees.

Louisiana Adjustable Interest Rates

Louisiana adjustable mortgages have a fixed mortgage rate for a certain number of years and then the mortgage rate adjusts every year after the initial period. There are usually yearly caps and life time caps on how much the mortgage interest rate and fluctuate. Your monthly mortgage payment will be lower at first but can rise when mortgage rates rise. Adjustable mortgages are available in terms of 1 year, 3 years, 5 years, 7 years and 10 years.

Louisiana Interest Only Home Mortgage Rates

Louisiana interest only mortgages are mortgages that the borrower pays only the interest on the principal balance or a set period of time. After the initial period the mortgagee pays both interest and principal. Interest only (IO) mortgages were popular during the housing boom.

Louisiana FHA Mortgage Mortgage Rates

Borrowers in Louisiana must meet certain requirements established by FHA to qualify for a mortgage insured by the FHA. FHA mortgage interest rates in Louisiana are usually lower than conforming mortgage interest rates because mortgage lenders bear less risk because FHA will pay the lender if a homeowner defaults on his or her mortgage loan.


Google Map for Louisiana Rates & Resources


Cities in Louisiana

Abbeville

Abita Springs

Acme

Addis

Aimwell

Akers

Albany

Alexandria

Ama

Amelia

Amite

Anacoco

Angie

Angola

Arabi

Arcadia

Archibald

Arnaudville

Ashland

Athens

Atlanta

Avery Island

Baker

Baldwin

Ball

Barataria

Barksdale AFB

Basile

Baskin

Bastrop

Batchelor

Baton Rouge

Bayou Goula

Belcher

Bell City

Belle Chasse

Belle Rose

Belmont

Bentley

Benton

Bernice

Berwick

Bethany

Bienville

Blanchard

Blanks

Bogalusa

Bonita

Boothville

Bordelonville

Bossier City

Bourg

Boutte

Boyce

Braithwaite

Branch

Breaux Bridge

Brittany

Broussard

Brusly

Bueche

Bunkie

Buras

Burnside

Bush

Cade

Calhoun

Calvin

Cameron

Campti

Cankton

Carencro

Carlisle

Carville

Castor

Cecilia

Center Point

Centerville

Chalmette

Charenton

Chase

Chataignier

Chatham

Chauvin

Cheneyville

Choudrant

Church Point

Clarence

Clarks

Clayton

Clinton

Cloutierville

Colfax

Collinston

Columbia

Convent

Converse

Cotton Valley

Cottonport

Coushatta

Covington

Creole

Crowley

Crowville

Cullen

Cut Off

Darrow

Davant

Delcambre

Delhi

Delta

Denham Springs

Dequincy

Deridder

Des Allemands

Destrehan

Deville

Dodson

Donaldsonville

Donner

Downsville

Doyline

Dry Creek

Dry Prong

Dubach

Dubberly

Dulac

Duplessis

Dupont

Duson

East Point

Echo

Edgard

Effie

Egan

Elizabeth

Elm Grove

Elmer

Elton

Empire

Enterprise

Epps

Erath

Eros

Erwinville

Estherwood

Ethel

Eunice

Evangeline

Evans

Evergreen

Fairbanks

Farmerville

Fenton

Ferriday

Fisher

Flatwoods

Flora

Florien

Fluker

Folsom

Fordoche

Forest

Forest Hill

Fort Necessity

Franklin

Franklinton

French Settlement

Frierson

Fullerton

Galliano

Garden City

Gardner

Garyville

Geismar

Georgetown

Gheens

Gibsland

Gibson

Gilbert

Gilliam

Glenmora

Gloster

Glynn

Golden Meadow

Goldonna

Gonzales

Gorum

Grambling

Gramercy

Grand Cane

Grand Chenier

Grand Coteau

Grand Isle

Grant

Gray

Grayson

Greensburg

Greenwell Springs

Greenwood

Gretna

Grosse Tete

Gueydan

Hackberry

Hahnville

Hall Summit

Hamburg

Hammond

Harmon

Harrisonburg

Harvey

Haughton

Hayes

Haynesville

Heflin

Hessmer

Hester

Hineston

Hodge

Holden

Homer

Hornbeck

Hosston

Houma

Husser

Ida

Independence

Innis

Iota

Iowa

Jackson

Jamestown

Jarreau

Jeanerette

Jefferson

Jena

Jennings

Jigger

Jones

Jonesboro

Jonesville

Joyce

Kaplan

Keatchie

Keithville

Kelly

Kenner

Kentwood

Kilbourne

Killona

Kinder

Kraemer

Krotz Springs

Kurthwood

La Place

Labadieville

Labarre

Lacamp

Lacassine

Lacombe

Lafayette

Lafitte

Lake Arthur

Lake Charles

Lake Providence

Lakeland

Laplace

Larose

Lawtell

Lebeau

Leblanc

Lecompte

Leesville

Lena

Leonville

Lettsworth

Libuse

Lillie

Lisbon

Livingston

Livonia

Lockport

Logansport

Longleaf

Longstreet

Longville

Loranger

Loreauville

Lottie

Luling

Lutcher

Lydia

Madisonville

Mamou

Mandeville

Mangham

Mansfield

Mansura

Many

Maringouin

Marion

Marksville

Marrero

Marthaville

Mathews

Maurepas

Maurice

McNary

Melrose

Melville

Mer Rouge

Meraux

Mermentau

Merryville

Metairie

Milton

Minden

Mittie

Modeste

Monroe

Montegut

Monterey

Montgomery

Mooringsport

Mora

Moreauville

Morgan City

Morganza

Morrow

Morse

Mount Airy

Mount Hermon

Napoleonville

Natalbany

Natchez

Natchitoches

Negreet

New Iberia

New Orleans

New Roads

New Sarpy

Newellton

Newllano

Noble

Norco

Norwood

Oak Grove

Oak Ridge

Oakdale

Oberlin

Oil City

Olla

Opelousas

Oscar

Otis

Paincourtville

Palmetto

Paradis

Patterson

Paulina

Pearl River

Pelican

Perry

Pierre Part

Pilottown

Pine Grove

Pine Prairie

Pineville

Pioneer

Pitkin

Plain Dealing

Plaquemine

Plattenville

Plaucheville

Pleasant Hill

Pointe A La Hache

Pollock

Ponchatoula

Port Allen

Port Barre

Port Sulphur

Powhatan

Prairieville

Pride

Princeton

Provencal

Quitman

Raceland

Ragley

Rayne

Rayville

Reddell

Reeves

Reserve

Rhinehart

Ringgold

Roanoke

Robeline

Robert

Rodessa

Rosedale

Roseland

Rosepine

Rougon

Ruby

Ruston

Saint Amant

Saint Benedict

Saint Bernard

Saint Francisville

Saint Gabriel

Saint James

Saint Joseph

Saint Landry

Saint Martinville

Saint Maurice

Saint Rose

Saline

Sarepta

Schriever

Scott

Shongaloo

Shreveport

Sibley

Sicily Island

Sieper

Sikes

Simmesport

Simpson

Simsboro

Singer

Slagle

Slaughter

Slidell

Sondheimer

Sorrento

South Mansfield

Spearsville

Springfield

Springhill

Starks

Start

Sterlington

Stonewall

Sugartown

Sulphur

Summerfield

Sun

Sunset

Sunshine

Swartz

Talisheek

Tallulah

Tangipahoa

Taylor

Theriot

Thibodaux

Tickfaw

Tioga

Torbert

Transylvania

Trout

Tullos

Tunica

Turkey Creek

Uncle Sam

Urania

Vacherie

Venice

Ventress

Verda

Vidalia

Ville Platte

Vinton

Violet

Vivian

Wakefield

Walker

Washington

Waterproof

Watson

Welsh

West Monroe

Westlake

Westwego

Weyanoke

White Castle

Wildsville

Wilson

Winnfield

Winnsboro

Wisner

Woodworth

Youngsville

Zachary

Zwolle