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Delcambre, LA

The Best Mortgage Lenders in Delcambre, LA

Compare verified mortgage lenders serving Delcambre, Louisiana. Find competitive rates on conventional, FHA, VA, and jumbo loans from experienced professionals.

3
Top Lenders
4.8
Avg Rating
628+
Reviews
11
Loan Types

Available Loan Programs in Delcambre

Conventional
FHA
VA
USDA
Jumbo
Refinance
Construction
ARM
Construction-to-Permanent
Renovation
Down Payment Assistance

Featured Mortgage Lenders

1

Pelican State Credit Union

Pelican State Credit Union

★★★★☆
4.8/5

As Louisiana's largest state-chartered credit union, Pelican State Credit Union has served communities across Louisiana for nearly 70 years with exceptional mortgage services. They have multiple branches throughout Acadiana and specifically serve the Delcambre area with personalized mortgage solutions. Their high rating reflects outstanding customer service, competitive rates, and deep community involvement. Members consistently praise their responsive loan officers, streamlined application process, and commitment to finding the right mortgage product for each borrower's unique situation.

Experience:68 years
Reviews:285 customer reviews
2677 Government St, Baton Rouge, LA 70806

Loan Types:

ConventionalFHAVAUSDAJumboRefinanceConstruction
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2

Supreme Lending

Supreme Lending

★★★★☆
4.9/5

Supreme Lending's Lafayette office has built an exceptional reputation throughout Acadiana, including serving Delcambre residents with top-tier mortgage services. With over two decades of experience, they specialize in both purchase and refinance loans with remarkably fast closing times. Their local loan officers have deep knowledge of the South Louisiana market and provide personalized service that earns consistent 5-star reviews. Customers highlight their transparency, communication throughout the process, and ability to handle complex mortgage scenarios efficiently.

Experience:25 years
Reviews:187 customer reviews
1018 Coolidge St, Lafayette, LA 70503

Loan Types:

ConventionalFHAVAUSDAJumboARMRefinanceConstruction-to-Permanent
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3

Guild Mortgage

Guild Mortgage Company

★★★★☆
4.7/5

Guild Mortgage's Lafayette branch serves the Delcambre area with comprehensive mortgage solutions backed by six decades of industry experience. They are particularly noted for their extensive down payment assistance programs and first-time homebuyer expertise. As a direct lender with in-house underwriting, they can offer faster closings and more personalized service than many competitors. Their local team has extensive knowledge of Iberia Parish real estate markets and consistently receives praise for their educational approach, ensuring borrowers fully understand their mortgage options.

Experience:60 years
Reviews:156 customer reviews
100 E Kaliste Saloom Rd, Lafayette, LA 70508

Loan Types:

ConventionalFHAVAUSDAJumboRefinanceRenovationDown Payment Assistance
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Frequently Asked Questions

Common questions about mortgage lending in Delcambre, LA

What are the current mortgage rates like in Delcambre, and how do they compare to the state average?

Mortgage rates in Delcambre are typically very close to the Louisiana state average, but can be slightly influenced by local lender competition and flood insurance requirements due to the area's coastal location. As of late 2023, rates for a 30-year fixed mortgage in Iberia Parish generally range within 0.125% - 0.25% of the state average. It's wise to compare offers from local credit unions like Teche Federal and regional banks for the best terms.

Are there any special mortgage considerations for buying a home in Delcambre's flood-prone areas?

Yes, due to Delcambre's location near the Gulf coast and Vermilion Bay, most lenders will require you to secure flood insurance in addition to homeowners insurance, even if the property is not in a designated high-risk flood zone. This is a critical cost factor, as premiums can vary significantly. Your lender will help determine the specific requirements based on the property's FEMA flood zone designation.

What local or state programs are available for first-time homebuyers in Delcambre?

First-time homebuyers in Delcambre should explore the Louisiana Housing Corporation's Market Rate GNMA Program, which offers competitive interest rates and down payment assistance. Additionally, the Iberia Parish Community Action Agency may offer local counseling and resources. These programs are particularly valuable given the area's moderate income levels.

How does Delcambre's rural location affect the mortgage process and available loan types?

Delcambre's designation as a rural area makes many properties eligible for USDA loans, which offer 100% financing with no down payment—a significant advantage for qualified buyers. However, the appraisal process might take slightly longer as appraisers often need to travel from larger markets like Lafayette. Local lenders with experience in rural properties can help navigate these nuances smoothly.

What should I know about property taxes and insurance when getting a mortgage in Delcambre?

Iberia Parish property taxes are relatively low compared to national averages, which helps with overall housing affordability. However, homeowners insurance premiums in Delcambre can be higher than inland areas due to hurricane risk, which lenders factor into your debt-to-income ratio. It's important to get insurance quotes early in the homebuying process to accurately estimate your total monthly payment.

Nearby Cities

Explore mortgage lenders in cities near Delcambre, LA

Why Choose a Mortgage Lender in Delcambre?

Local Market Knowledge

Lenders who understand Delcambre'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 Delcambre and get competitive rates on your home loan.