Home Loans - Houma

Assurance Financial Houma

1227 Saint Charles Street, Suite B
Houma, LA 70360
985-868-7554

Houma, Louisiana Mortgage Lenders

Assurance Financial believes in the power of homeownership, and our Houma mortgage lenders are ready to help anyone in the area looking to buy a new home or refinance their existing mortgage. Our team cares about what you want and need from a loan provider, and our comprehensive and personalized loan offerings let us be your champion in the home-buying market.

Assurance Financial’s Loan Options

At Assurance Financial, we’re prepared to help our Houma homebuyers through any means necessary. As a full-service mortgage lender, we have ample experience working with all the most common loan types, including:

• Conventional loans: Conventional loans offer a traditional home-buying experience for most individuals. They allow for a range of property types and down payment options.
• First-time home loans: For those new to home-buying or those who have not done so in at least three years, first-time home loans offer more support and guidance in covering down payments, closing costs and mortgage insurance.
• VA loans: Veterans Affairs (VA) loans salute our veterans and active-duty service members by helping them buy a home with 100% financing, little to no down payment requirements and no mortgage insurance payments.
• FHA loans: Federal housing administration (FHA) loans work similarly to conventional loans but generally require a smaller down payment, making homeownership more achievable for those in the low and middle classes.
• Jumbo loans: Jumbo loans help you get the home of your dreams, even when the cost exceeds that allowed for conventional loans.
• Construction loans: Construction loans enable you to build or expand your home instead of buying an existing one on the market. Our construction loans offer superior financing and flexible rates, so we can personalize your loan to your preferences.
• Modular home loans: Pre-manufactured homes are often not eligible for conventional loans. This special type of loan lets you find a modular home that meets your needs.
• USDA RD loans: This rural development (RD) loan from the United States Department of Agriculture (USDA) requires no down payment and helps buyers purchase homes in rural and suburban areas.
• Non-qualified loans: People with low credit scores may encounter obstacles when qualifying for other loans. A qualified mortgage (QM) loan helps bridge this gap and make homeownership possible for everyone.

Why Live in Houma, LA?

Houma offers its residents everything people love about Louisiana, from the best in Cajun delicacies and soulful music to beautiful, natural spaces and year-round celebrations. It is an excellent place to call home for everyone, including young singles, established families and retired people looking to explore the best parts of Louisiana culture. Our mortgage lenders in Houma know and love the area as much as you do, and we will work tirelessly to find a home nearby that suits your preferences and budget.

The Assurance Financial Loan Process

Qualifying for a loan with Assurance Financial is as easy as four steps:

1. Get pre-qualified for a loan in about 15 minutes.
2. Apply for homeownership of your ideal property.
3. Get your new home appraised, underwritten and approved.
4. Sign the papers with a notary and get the funding you need to move into your new home.

Partner With Your Houma Mortgage Loan Officers

Submit an application with our Houma home loan officers. We’re on call 24/7 to help you through the buying and lending process.