Preferred Conventional Program

The LHC is very excited to offer this conventional product increasing the opportunity for Louisiana citizens to purchase a home.  This program allows higher loan to value compared to FHA; higher income limits, and no up-front mortgage insurance premium.

The program features up to 4% assistance for down payment, closing costs and/or prepaid items.

  • Property must be located in Louisiana               
  • Maximum loan amount of $417,000
  • Maximum income limit of $99,000
  • 97% LTV 1-unit; LTV 2-unit property1
  • Homebuyer education required2
  • No origination or discount fees
  • First-time homebuyer requirement does not apply                
  • Reduced Mortgage Insurance


Find a Loan Officer

If you are looking for a loan officer to help you through the process, click the Find a Loan Officer button.

Find a Loan Officer

Ready to apply

If you're ready to submit your application, click the Fill Out a Full Application button and and jump right in. 

Fill Out a Full Application

LENDING IN ALL STATES EXCEPT: KANSAS, MARYLAND, NEW JERSEY, AND NEW YORK

1. LTV is Loan To Value.

2. Homebuyer education is required to qualify for this loan, additional fees may apply.

Information stated above is subject to change without notice.  All applications are subject to underwriting guidelines and approval.  This does not constitute an offer to lend or offer an extension of credit.  All loans are subject to credit approval.  Not all applicants will qualify for all products offered.  All loan programs, terms and interest rates are subject to change without notice and may only be available in select markets.