Mortgage Broker — Thibodaux, Louisiana

Thibodaux
Mortgage Broker

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

Thibodaux is Lafourche Parish's seat and home to Nicholls State University. The oilfield and sugarcane industries anchor steady employment and buyer activity.

🏠 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 Thibodaux

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 Thibodaux and Lafourche 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

Thibodaux Mortgage Market

Thibodaux is Lafourche Parish's seat and home to Nicholls State University. The oilfield and sugarcane industries anchor steady employment and buyer activity.

Nicholls State University creates consistent rental demand and buyer activity in Thibodaux — a dual-purpose market for primary buyers and DSCR investors.

Neighborhoods: Thibodaux proper, Raceland, Lockport, Larose

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

⚠️Flood Zone Note — Lafourche Parish has coastal flood exposure in southern areas. We verify FEMA flood maps by property address.

Thibodaux Market At a Glance

Typical Price Range$155k–$290k

County / ParishLafourche 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

Thibodaux 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 Thibodaux buyers. We compare all options and match you to the best fit.

Most buyers in Thibodaux shop in the $155k–$290k range. Thibodaux is Lafourche Parish's seat and home to Nicholls State University. The oilfield and sugarcane industries anchor steady employment and buyer activity.

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 Thibodaux purchase.

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

Most first-time buyers in Thibodaux 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 Thibodaux?

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