Mortgage Broker — Zachary, Louisiana

Zachary
Mortgage Broker

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

Zachary is a top-rated school district community north of Baton Rouge with strong family demand and newer construction inventory. Consistent appreciation and low days on market.

🏠 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 Zachary

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 Zachary and East Baton Rouge 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

Zachary Mortgage Market

Zachary is a top-rated school district community north of Baton Rouge with strong family demand and newer construction inventory. Consistent appreciation and low days on market.

Zachary Community School System ranks among Louisiana's best, making this one of East Baton Rouge Parish's most competitive buyer markets.

Neighborhoods: Zachary proper, Baker adjacent, Pride, Greenwell Springs

Zachary Market At a Glance

Typical Price Range$215k–$390k

County / ParishEast Baton Rouge Parish

USDA Eligible AreasVaries 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

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

Most buyers in Zachary shop in the $215k–$390k range. Zachary is a top-rated school district community north of Baton Rouge with strong family demand and newer construction inventory. Consistent appreciation and low days on market.

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 Zachary purchase.

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

Most first-time buyers in Zachary 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 Zachary?

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