The Best Mortgage Lenders in Deville, LA
Compare verified mortgage lenders serving Deville, Louisiana. Find competitive rates on conventional, FHA, VA, and jumbo loans from experienced professionals.
Available Loan Programs in Deville
Featured Mortgage Lenders
Red River Bank Mortgage
Red River Bank
Red River Bank is a highly-rated regional bank with deep roots in central Louisiana, serving Deville and surrounding areas. They consistently receive excellent reviews for their personalized mortgage services, competitive rates, and local decision-making. As a community-focused institution with over two decades of experience, they offer comprehensive mortgage solutions with the advantage of local underwriters who understand the central Louisiana market. Their mortgage team provides exceptional customer service with flexible loan options including specialized programs for first-time homebuyers and veterans.
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Supreme Lending
Supreme Lending
Supreme Lending's Alexandria branch serves the Deville area with outstanding mortgage services and consistently high customer satisfaction ratings. They specialize in providing personalized mortgage solutions with competitive rates and efficient processing. With nearly three decades of experience, they've built a strong reputation for transparent communication, streamlined application processes, and expertise in various loan programs. Their local loan officers have extensive knowledge of the central Louisiana housing market and are known for going above and beyond to ensure smooth closings.
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Guild Mortgage
Guild Mortgage Company
Guild Mortgage has a strong local presence in central Louisiana with an Alexandria office that actively serves Deville residents. As a nationwide lender with deep local expertise, they combine the resources of a large mortgage company with personalized service. They receive excellent reviews for their knowledgeable loan officers, competitive rates, and wide range of loan products. With over six decades of experience, Guild Mortgage has established itself as a reliable partner for homebuyers, offering specialized programs and exceptional customer support throughout the mortgage process.
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Frequently Asked Questions
Common questions about mortgage lending in Deville, LA
What are the current average mortgage rates for homebuyers in Deville, LA?
Mortgage rates in Deville typically align with national averages but can vary based on local lenders and market conditions. As of recent data, 30-year fixed rates in Central Louisiana generally range from 6.5% to 7.25%, though individual rates depend on credit score, loan type, and down payment. It's advisable to compare offers from local lenders like Red River Bank and Sabine State Bank for the most competitive Deville-specific rates.
Are there any first-time homebuyer programs specifically available in Deville?
Yes, Deville residents can access the Louisiana Housing Corporation's Market Rate GNMA Program, which offers competitive interest rates and down payment assistance for first-time buyers. Additionally, the Rapides Parish School Employees Federal Credit Union offers special mortgage products for local educators and public service employees. These programs can help with down payments and closing costs that are common hurdles in Central Louisiana's housing market.
How does Deville's rural location affect mortgage lending options?
Deville's rural designation makes many properties eligible for USDA Rural Development loans, which offer 100% financing with no down payment required. This is particularly beneficial given the area's moderate home prices. However, some national lenders may have limited presence here, so working with local lenders familiar with Rapides Parish property valuations is advantageous for smoother processing.
What special considerations should I know about property taxes when getting a mortgage in Deville?
Rapides Parish, where Deville is located, has relatively low property tax rates compared to national averages, currently around 0.45% of assessed value. However, Louisiana's Homestead Exemption allows you to exempt the first $75,000 of your home's value from property taxes if it's your primary residence. Your mortgage lender will factor these local tax benefits into your debt-to-income calculations and escrow requirements.
Are there any local down payment assistance programs for Deville homebuyers?
The Louisiana Housing Corporation offers down payment assistance up to $10,000 through various programs available to Deville buyers. Additionally, the Rapides Parish Community Action Agency provides closing cost assistance for qualifying low-to-moderate income households. Many local employers including Christus St. Frances Cabrini Hospital and the Rapides Parish School System also offer employer-assisted housing programs for their employees purchasing in the area.
Why Choose a Mortgage Lender in Deville?
Local Market Knowledge
Lenders who understand Deville'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 Deville and get competitive rates on your home loan.