Bayou Mortgage shops FHA, VA, USDA, Conventional, and DSCR loans across multiple lenders — so Louisiana homebuyers get the most competitive rate their profile qualifies for.
Most Louisiana buyers leave money on the table because they stop at the first lender.
Banks and retail lenders can only offer you what they have. As a mortgage broker, Bayou Mortgage shops your loan across multiple wholesale lenders — comparing programs, rates, and fees to find what actually fits your situation. That difference shows up in your monthly payment, closing costs, and how long you pay PMI.
Whether you're buying your first home, refinancing, or building an investment portfolio — Bayou Mortgage has the right program. We'll compare options side by side so you see the real numbers.
The go-to for first-time buyers and anyone with a 580–680 credit score. Low down payment, flexible DTI, and straightforward guidelines.
Best long-term value for 680+ credit. PMI cancels at 20% equity — unlike FHA. Works for primary, second home, and investment.
The best mortgage in America for veterans and active-duty service members. Zero down, no PMI, competitive rates.
Zero down payment for rural and suburban Louisiana buyers within USDA income limits. Great alternative to FHA for qualifying areas.
For loan amounts above the $766,550 conforming limit. Luxury homes and high-value properties across Louisiana and Florida.
Self-employed, 1099, or recent credit event? Non-QM loans use bank statements, asset depletion, or alternative income docs — for borrowers who don't fit the standard box.
Lower your rate, shorten your term, or both. If rates have dropped since you closed — we'll run the numbers to see if refinancing makes sense.
Tap your home's equity to consolidate debt, fund renovations, or cover major expenses. Available on primary residences and investment properties.
The VA Interest Rate Reduction Refinance Loan is one of the fastest, simplest refinances available — no appraisal required in most cases.
Existing FHA borrowers can refinance to a lower rate with minimal documentation and no appraisal required. Fast, straightforward, low cost.
If your home has appreciated since you bought it, you may be able to refinance out of PMI and lower your total monthly payment significantly.
Tell us your current rate and loan details. We'll run a breakeven analysis and tell you straight whether refinancing makes financial sense for you.
Qualify based on rental income — not your personal income. No tax returns, no employment verification. Available in 33 states including Louisiana and Florida.
Conventional financing for 1–4 unit investment properties. Lower rates than hard money with full 30-year amortization.
DSCR loans work for properties that need light to moderate renovation — buy, renovate, and hold with long-term financing from day one.
DSCR lenders count Airbnb and VRBO income. We source lenders who will qualify your STR property using market rent or actual rental history.
Louisiana and Florida are both strong cash-flow markets. Bayou Mortgage is licensed in both — and our DSCR product covers 33 states.
Own multiple properties? Ask about blanket loan options for scaling your portfolio without refinancing each property individually.
Everything you need to know before you talk to a lender — in plain English. Covers credit, down payment options, loan programs, closing costs, and what to expect from first call to closing day.
Retail lenders are limited to their own products. As a broker, we access dozens of wholesale lenders — and we don't get paid more to push one over another.
When you apply with a bank, they can only offer you what they have. Bayou Mortgage submits your profile to multiple wholesale lenders simultaneously — comparing programs, rates, and fees to find the one that actually fits. That's the broker advantage.
See What You Qualify For →Most clients get a pre-approval letter the same day they apply. In a competitive market, speed matters — and we're built for it.
FHA vs. conventional vs. USDA — we run all three with your actual numbers so you can see the real monthly payment, PMI difference, and long-term cost.
We've closed loans across Louisiana and know the local market, the quirks of appraisals in certain parishes, and which programs actually make sense for Louisiana buyers.
You get Channing — not a call center. Questions on Saturday morning? We answer. That's what working with a local broker actually means.
No confusing paperwork trails. No surprise fees. Just a clear path from your first conversation to the day you get your keys.
We look at your credit, income, down payment, and goals — then run FHA, conventional, VA, and USDA side by side so you can make an informed decision before you apply.
Get StartedWe issue a same-day pre-approval letter that gives sellers and Realtors confidence you're a serious, qualified buyer ready to move — not just browsing.
Get StartedWe manage the file from contract to closing — coordinating the appraisal, title, and underwriting so you're never left wondering what's happening next.
Get StartedBayou Mortgage is a licensed Louisiana mortgage broker — which means we work for you, not a lender. We don't have products to push or quotas to hit. We have one job: find the loan that makes the most sense for your situation and get you to the closing table.
We originate FHA, VA, USDA, conventional, and DSCR loans across Louisiana — and DSCR in 33 states. Whether you're buying your first home in Lake Charles or building a rental portfolio in Baton Rouge, we've got the programs and lender access to make it work.
"My goal is simple — help every Louisiana family understand their real options, find the best rate, and feel confident about one of the biggest financial decisions they'll ever make. That's it."
Bayou Mortgage is built to make Realtors look good. Same-day pre-approvals, clear communication from contract to close, and a broker who actually picks up the phone.
Your clients won't lose a house because the lender was slow. We move fast so you can move fast.
No voicemail black holes. No call centers. We answer when you call — including on weekends when deals are happening.
FHA, VA, USDA, conventional, DSCR — we have more tools than a retail lender, which means more of your clients get approved.
Louisiana families we've helped get from pre-approval to keys in hand — across the state.
Straight answers on buying, refinancing, and investing in Louisiana.
Free quote, no credit pull, no pressure — just real answers from a Louisiana mortgage broker who works for you.
Bayou Mortgage serves homebuyers and investors statewide. Find mortgage information specific to your city.
Whether you're in Lake Charles, Lafayette, Baton Rouge, or anywhere across Louisiana — Bayou Mortgage finds your best rate.
