Mortgage Broker — Opelousas, Louisiana

Opelousas
Mortgage Broker

Name: Bayou Mortgage — Opelousas, Louisiana
Address: 113 Williamsburg Street, Lake Charles, LA, 70605, US
Telephone: 337-476-2623
Rating: 4.9

Opelousas is the St. Landry Parish seat with some of the most affordable home prices in Louisiana. Strong first-time buyer market with meaningful USDA eligibility nearby.

🏠 Get a Free Quote → 📞 337-476-2623

⭐ 4.9 on Google ✅ No Credit Pull ✅ Louisiana Licensed ✅ Channing Moore NMLS #1235512

Loan Programs

Home Loans in Opelousas

Every buyer's situation is different. We match you to the right program — whether that's FHA, VA, USDA, or Conventional. Here's what's available in Opelousas and St. Landry Parish.

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FHA Loan

3.5% Down

Government-backed with flexible credit requirements and low down payment.

$0 down payment for eligible veterans and active military. No PMI. Competitive rates.

$0 down in eligible rural and suburban areas. Income limits apply.

As low as 3% down. No mortgage insurance at 20% down. Best for stronger credit profiles.

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First-Time Home Buyer

Down Payment Help

Special programs and down payment assistance for qualifying first-time buyers in Louisiana.

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Local Market

Opelousas Mortgage Market

Opelousas is the St. Landry Parish seat with some of the most affordable home prices in Louisiana. Strong first-time buyer market with meaningful USDA eligibility nearby.

St. Landry Parish has significant USDA-eligible geography — buyers in and around Opelousas can often purchase with $0 down through the USDA Rural Development program.

Neighborhoods: Opelousas proper, Washington, Sunset, Grand Coteau

🌾USDA $0 Down Available — Some areas in and around Opelousas qualify for USDA Rural Development financing with no down payment required.

Opelousas Market At a Glance

Typical Price Range$110k–$220k

County / ParishSt. Landry Parish

USDA Eligible AreasYes — check by address

FHA Loan Limit (2024)$498,257

Minimum FHA Down3.5% (580+ credit)

VA Down Payment$0

Bayou Mortgage Rating⭐ 4.9 / 5.0

FAQ

Opelousas Mortgage Questions

Bayou Mortgage offers FHA loans (3.5% down), VA loans ($0 down for veterans), USDA loans ($0 down in eligible areas), Conventional loans, and First-Time Homebuyer programs for Opelousas buyers. We compare all options and match you to the best fit.

Most buyers in Opelousas shop in the $110k–$220k range. Opelousas is the St. Landry Parish seat with some of the most affordable home prices in Louisiana. Strong first-time buyer market with meaningful USDA eligibility nearby.

The fastest way is to take Bayou Mortgage's quick quiz at bayoumortgage.com/get-a-quote — no credit pull, no pressure, results in minutes. From there we build a clear plan for your Opelousas purchase.

Yes. Bayou Mortgage is a Louisiana-licensed mortgage broker based in Lake Charles serving buyers across the state including Opelousas and St. Landry Parish. We close loans in every Louisiana parish.

Most first-time buyers in Opelousas use FHA (3.5% down, 580+ credit) or USDA ($0 down in eligible areas). Louisiana also has down payment assistance programs that can reduce upfront costs further. We review all options for your specific situation.

Service Area

We Serve All of Louisiana

Bayou Mortgage serves homebuyers in every Louisiana parish. Find mortgage information for your city.

Ready to Buy a Home in Opelousas?

Get a free quote in minutes — no credit pull, no pressure. Channing Moore will personally review your situation.