The Best Mortgage Lenders in Kentwood, LA
Compare verified mortgage lenders serving Kentwood, Louisiana. Find competitive rates on conventional, FHA, VA, and jumbo loans from experienced professionals.
Available Loan Programs in Kentwood
Featured Mortgage Lenders
St. Tammany Home Bank Mortgage Team
St. Tammany Home Bank
St. Tammany Home Bank is a highly-rated community bank with deep roots in Southeast Louisiana, serving Kentwood and surrounding areas. They maintain exceptional 4.8-star ratings across multiple review platforms for their personalized mortgage services and local decision-making. As a community bank founded over a century ago, they offer competitive rates with the personal touch of local loan officers who understand the Kentwood market. Their mortgage team specializes in first-time homebuyer programs, USDA rural development loans perfect for Kentwood area properties, and comprehensive refinancing options.
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Gulf Coast Bank Mortgage Division
Gulf Coast Bank & Trust Company
Gulf Coast Bank & Trust Company operates a robust mortgage division serving the Kentwood area from their Hammond location. With consistent 4.7-star ratings, they're praised for their responsive service and expertise in rural property financing. The bank has been serving Louisiana communities for over 50 years and maintains strong relationships with local real estate professionals. Their mortgage specialists excel at USDA loans, which are particularly relevant for Kentwood residents, and offer competitive construction lending programs for new home builds in the area.
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Guild Mortgage Company - Louisiana Division
Guild Mortgage Company
Guild Mortgage Company is a nationally recognized lender with strong presence in Louisiana and excellent service to Kentwood residents. They maintain 4.6-star ratings for their extensive loan options and dedicated local support. Founded in 1960, Guild brings decades of mortgage expertise while providing the personalized service of a local lender. They're particularly noted for their first-time homebuyer programs and flexible qualification standards. Their Louisiana-based loan officers have deep knowledge of the Kentwood market and specialize in rural housing loans that fit the community's needs.
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Frequently Asked Questions
Common questions about mortgage lending in Kentwood, LA
What are the current mortgage rates like for homes in Kentwood, LA?
Mortgage rates in Kentwood are generally competitive with national averages but can vary based on property type and location within Tangipahoa Parish. As of recent trends, conventional 30-year fixed rates typically range from the mid-6% to low-7% range, though rural properties may qualify for USDA loans with potentially lower rates. It's best to consult with local lenders who understand the Kentwood market for the most current rate quotes.
Are there any special mortgage programs for first-time homebuyers in Kentwood?
Yes, Louisiana offers the Mortgage Revenue Bond program which provides below-market interest rates and down payment assistance for first-time homebuyers in Kentwood. Additionally, the USDA Rural Development loan program is particularly relevant since Kentwood qualifies as a rural area, offering 100% financing options. Local lenders can also guide you toward any parish-specific assistance programs available in Tangipahoa.
How does Kentwood's rural location affect my mortgage options?
Kentwood's designation as a rural community opens up valuable USDA loan opportunities that aren't available in urban areas. These loans require no down payment and have flexible credit guidelines, making homeownership more accessible. However, you may find fewer local lender branches compared to larger cities, so working with lenders experienced in rural mortgages is beneficial for smoother processing.
What should I know about property taxes and insurance when getting a mortgage in Kentwood?
Tangipahoa Parish property taxes are relatively moderate compared to national averages, typically around 0.5% of assessed value. However, homeowners insurance can be higher than national averages due to Louisiana's weather risks, particularly wind and hail coverage. Your mortgage lender will help you estimate these costs for accurate monthly payment calculations specific to Kentwood properties.
Are there any local down payment assistance programs specifically for Kentwood homebuyers?
While Kentwood itself doesn't have city-specific programs, Tangipahoa Parish offers down payment assistance through the Louisiana Housing Corporation's programs. The Soft Second Mortgage program provides up to $12,000 in down payment assistance for eligible buyers. Additionally, some local employers and credit unions may offer special programs for Kentwood residents, so it's worth asking multiple lenders about available options.
Why Choose a Mortgage Lender in Kentwood?
Local Market Knowledge
Lenders who understand Kentwood'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 Kentwood and get competitive rates on your home loan.