The Best Mortgage Lenders in Georgetown, LA
Compare verified mortgage lenders serving Georgetown, Louisiana. Find competitive rates on conventional, FHA, VA, and jumbo loans from experienced professionals.
Available Loan Programs in Georgetown
Featured Mortgage Lenders
Scott A. Dupre
Supreme Lending
Supreme Lending is a highly-rated national mortgage company with strong Louisiana presence, and Scott Dupre specifically serves the Acadiana region including Georgetown. With over 125 excellent reviews, they're known for exceptional customer service, competitive rates, and expertise in rural housing loans perfect for areas like Georgetown. Their team has extensive experience with USDA loans which are particularly relevant for this rural community, and they offer personalized service with local decision-making capabilities.
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Mortgage Solutions of Louisiana
Mortgage Solutions of Louisiana
As a locally-owned mortgage brokerage based in Lafayette, Mortgage Solutions of Louisiana has built an outstanding reputation for serving rural communities throughout Acadiana, including Georgetown. They specialize in working with buyers in smaller towns and understand the unique aspects of rural property financing. With expertise in USDA rural development loans and FHA programs, they've helped numerous clients in St. Martin Parish secure affordable financing with exceptional personalized service and local market knowledge.
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Home Bank
Home Bank, N.A.
Home Bank is one of Louisiana's most established community banks with deep roots throughout Acadiana, including service to Georgetown residents. As a local institution with over a century of history, they offer the stability of a traditional bank combined with personalized community banking service. They have particular expertise in construction and land loans, which are valuable for the Georgetown area, and their local loan officers understand the specific needs of rural St. Martin Parish homeowners with competitive rates and flexible terms.
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Frequently Asked Questions
Common questions about mortgage lending in Georgetown, LA
What are current mortgage rates like for homes in Georgetown, LA?
Mortgage rates in Georgetown typically align with national averages but can be influenced by local market conditions. Currently, rates for 30-year fixed mortgages in this area range from 6.5% to 7.25%, though rural properties may see slightly higher rates. It's best to consult with local lenders who understand the specific Georgetown market for the most accurate rate quotes.
Are there any special mortgage programs for first-time homebuyers in Georgetown?
Yes, Georgetown homebuyers can access Louisiana's Hardest Hit Fund program and the Market Rate GNMA program, which offer competitive rates and down payment assistance. Additionally, the Louisiana Housing Corporation provides first-time homebuyer programs with below-market interest rates and up to $8,000 in down payment assistance that are available throughout Grant Parish, including Georgetown.
How does Georgetown's rural location affect mortgage lending options?
Georgetown's rural classification means many properties may qualify for USDA loans, which offer 100% financing with no down payment required. However, some national lenders may have stricter requirements for rural properties, so working with local lenders familiar with Grant County's property types and values is advantageous for smoother processing.
What should I know about property taxes and insurance when getting a mortgage in Georgetown?
Georgetown homeowners benefit from relatively low property taxes compared to urban areas, with Grant Parish rates around 0.25% of assessed value. However, you'll need to factor in flood insurance costs since much of Georgetown is in flood zones, which can add $500-$1,500 annually to your housing expenses depending on your property's elevation and location.
Are there any local down payment assistance programs specific to Georgetown?
While Georgetown itself doesn't have city-specific programs, homebuyers can access Grant Parish programs and statewide Louisiana initiatives. The Louisiana Housing Corporation's down payment assistance program provides up to 4% of the loan amount, and some local credit unions like Caldwell Bank offer special first-time buyer programs with reduced down payment requirements for Georgetown residents.
Why Choose a Mortgage Lender in Georgetown?
Local Market Knowledge
Lenders who understand Georgetown'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 Georgetown and get competitive rates on your home loan.