The Best Mortgage Lenders in Chase, LA
Compare verified mortgage lenders serving Chase, Louisiana. Find competitive rates on conventional, FHA, VA, and jumbo loans from experienced professionals.
Available Loan Programs in Chase
Featured Mortgage Lenders
Fairway Independent Mortgage Corporation
Fairway Independent Mortgage Corporation
Fairway Independent Mortgage Corporation is highly regarded for its exceptional customer service and competitive mortgage rates, with a strong local presence in northeastern Louisiana. Founded in 1996, it has built a reputation for reliability and expertise, offering a wide range of loan products tailored to both urban and rural areas like Chase. Customers praise their efficient processing, personalized guidance, and community involvement, making them a top choice for homebuyers in the region.
Loan Types:
Supreme Lending
Supreme Lending
Supreme Lending is a well-established mortgage lender known for its flexible loan options and dedicated local service in the Monroe area, which extends to nearby communities like Chase. Founded in 1999, it combines decades of experience with a focus on customer satisfaction, featuring fast closings and knowledgeable staff. Reviews highlight their responsiveness and ability to handle unique financing needs, solidifying their status as a trusted regional lender.
Loan Types:
New American Funding
New American Funding
New American Funding offers comprehensive mortgage solutions with a emphasis on competitive rates and inclusive lending practices, serving all of Louisiana including rural areas like Chase. Founded in 2003, it has earned high marks for customer service, diversity initiatives, and a broad array of loan products. Their team is praised for making the mortgage process straightforward and accessible, with strong support for first-time homebuyers and refinancing options.
Loan Types:
Frequently Asked Questions
Common questions about mortgage lending in Chase, LA
What are the current mortgage rates like for homes in Chase, LA?
Mortgage rates in Chase typically align with national averages but can be slightly influenced by Louisiana's economic climate and local lender competition. As a rural area, you may find that local credit unions or regional banks offer competitive rates. It's best to get quotes from multiple lenders, including those familiar with Ascension Parish's real estate market.
Are there any first-time homebuyer programs specific to Chase or Ascension Parish?
Yes, Louisiana offers several statewide programs that Chase residents can access, including the Louisiana Mortgage Revenue Bond Program, which provides below-market interest rates and down payment assistance. Additionally, the Soft Second Loan Program can help with down payments and closing costs, particularly beneficial in affordable markets like Chase.
How does Chase's rural location affect the mortgage approval process?
Chase's rural classification can impact loan options, as some lenders may have stricter requirements for properties in less populated areas. USDA loans are particularly advantageous here, offering 100% financing with no down payment required. However, you'll want to ensure the property meets USDA eligibility requirements for rural areas.
What special considerations should I know about when getting a mortgage for a property in Chase's flood-prone areas?
Given Chase's location near the Amite River and frequent flood risks, flood insurance is typically mandatory and will be required by lenders. This additional cost must be factored into your monthly housing expenses. You'll want to work with lenders experienced in handling Louisiana flood zone requirements.
Are there any local down payment assistance programs available specifically for Chase homebuyers?
While Chase itself doesn't offer local programs, Ascension Parish participates in the Louisiana Housing Corporation's programs, including down payment assistance up to $8,000 for eligible buyers. Some lenders serving the area may also offer special programs for teachers, healthcare workers, or other essential service employees in the parish.
Why Choose a Mortgage Lender in Chase?
Local Market Knowledge
Lenders who understand Chase's housing market can offer better guidance and competitive rates.
Multiple Loan Options
Access to conventional, FHA, VA, USDA, and jumbo loans tailored to your financial situation.
Proven Track Record
Work with lenders who have years of experience and hundreds of satisfied customers in Louisiana.
Ready to Find Your Perfect Mortgage Lender?
Connect with top-rated mortgage professionals in Chase and get competitive rates on your home loan.