Louisiana VA Loans

If you are a qualified veteran interested in relocating to Louisiana, right now is the perfect time to apply for a VA Loan to purchase your new house. Housing prices have dropped in recent years in Louisiana, and the VA has increased its loan limits in most Louisiana counties. This means you will be able to afford a much bigger, more beautiful property than you could have ever imagined.


One of the great benefits of using a Louisiana VA Loan to purchase your new property is you won’t be required to provide a down payment on the house. This makes it possible for even very young couples with no money saved up to be able to afford a lovely family home. Another benefit is no monthly insurance is needed. The VA insures the loan up to 25% of the total amount, so you won’t be required to pay private monthly mortgage insurance. Other benefits include low interest rates, flexible repayment options, easy refinancing, minimal closing fees and easy approval.

How to Qualify

If you are currently serving in the military, you can qualify for a Louisiana VA Loan after serving a minimum of 181 days of regular active-duty service. This is the same length of time required for all ex-military personnel who have been honorably discharged. The timeframe drops for veterans who served overseas during wartime or who were discharged early for service-related injuries. Widows of veterans killed in combat, spouses of POWs and spouses of veterans missing in action may also qualify. In order to obtain your loan, you will first need to fill out an eligibility form with the VA. Once they have reviewed your application they will send you a Certificate of Eligibility (COE) through the mail.

Obtaining the Loan

Once you have your COE, you can either start looking at houses right away or get pre-approved for a loan. You have many options when it comes to who you can use as a private lender, so it’s a good idea to shop around a bit first to find the right fit for you. Once you have found your house and lender you will need to go through the loan process which includes providing income statements and credit checks, having the house appraised, paying the closing fees and signing the mortgage and all notes.

Get Qualified Today

Qualifying for a VA loan has never been easier than it is now. Just fill out our 1-minute quote request form and you can begin comparing rates and offers today!

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