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Home Loans

Mortgages, Lot Loans & Construction Loans For Your Future

You may have found the perfect home already, or you may have found that perfect piece of land that you want to build your own home on someday. Regardless of the circumstance, Bank of Louisiana can offer you a lending solution to help turn your dream of a new home into a reality with a mortgage, lot loan or construction loan.

Mortgages

Making the decision to purchase a home is a big step for anyone. There are a lot of questions and you’re wondering which mortgage is the best fit for you. Bank of Louisiana offers several mortgage options to assist you in financing the purchase of your home, including:

  • Fixed rate mortgages - with mortgages available in several repayment options, you can count on having a steady payment amount each month.
  • Adjustable rate mortgages - the amount you pay every month changes when your interest rate changes. If you expect to earn a higher income soon or you’re only looking at short-term ownership, this is a great option. Learn more about adjustable rate mortgages here.
  • Balloon mortgages - a short-term loan, usually with a period of three to five years, with a fixed rate. This is an option to consider if you aren’t planning on living in your home longer than seven years.
  • Bridge mortgages - another loan with a term of six months or less. A good option if you have equity built up in your current home that you want to put toward purchasing a new home.

The Bank of Louisiana mortgage lending staff is ready to help find the best mortgage option to get you into the home you want. Print and fill out our mortgage application, and then stop at our main branch office to get started today.

Lot Loans

If you’ve found the perfect piece of property for your new home and want to reserve it, but you’re not ready to build yet, a lot loan is the perfect option to make sure you own that property when you’re ready to build. Bank of Louisiana lot loans are available for terms as long as 20 years with a 25 percent down payment required.

To set aside the land for your future home, speak with the lending staff at our main branch office in Louisiana.

Construction Loans

Offered as a closed-end line of credit in which you make interest-only payments, a construction loan from Bank of Louisiana gives you the chance to take out a short-term loan (usually six months) to borrow up to 80 percent of the building’s costs.

If you’re ready to start a construction project, visit our main branch office to speak with our one of our lenders.

Bank of Louisiana Mortgage Loan Origination Numbers