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Louisiana USA understands the importance of your home loan. Whether you are purchasing or refinancing, our mortgage center has an option available for you. You might be a first-time homebuyer, upgrading your current home, or wanting to acquire land — our mortgage center can get it done.

Louisiana USA’s mortgage center offers Conventional, FHA, VA, and Rural Development financing. We provide you with terms of 5, 10, 15, 20 and 30 years. Our experienced staff appreciates the opportunity to earn your business.

Let us help you find the best product and lock you in at a low interest rate today!

Louisiana USA understands the importance of your home loan. Whether you are purchasing or refinancing, our mortgage center has an option available for you. You might be a first-time homebuyer, upgrading your current home, or wanting to acquire land — our mortgage center can get it done.

Louisiana USA’s mortgage center offers Conventional, FHA, VA, and Rural Development financing. We provide you with terms of 5, 10, 15, 20 and 30 years. Our experienced staff appreciates the opportunity to earn your business.

Let us help you find the best product and lock you in at a low interest rate today!

LOAN TYPE FEATURES
Home Equity Lines of Credit
  • Finance up to 90% of home’s value
  • Terms up to 10 years (120 months)
First Mortgages
  • 100% Financing available
  • 10, 15, 20 & 30 Year terms
  • Purchase or refinance
  • Conventional, FHA, VA, RD and Jumbo products available
  • View rates and apply HERE
Second Mortgages
  • Finance up to 90% of home’s value
  • Terms up to 10 years (120 months)
Lot & Land
  • Finance up to 100% of appraisal value or sales price
  • Terms up to 10 years (120 months)

Items Needed to Apply:

  • Most recent pay stub
  • Previous 2 years’ W-2 forms
  • Previous 2 years’ personal & business tax returns (only required if self-employed)
  • Most recent two months’ bank statements on asset accounts
To apply for a mortgage in person, stop by our branch and a member of our team would be happy to help you find the best way home!

In order to provide you with the lowest interest rate and best product available, your loan will either be serviced solely in-house or with additional support from CENLAR. CENLAR is a mortgage servicing company that we partner with to provide you with 24-hour access to your mortgage support. 

Keep in mind that our team is also here to answer any of your questions and help with payment options. 

IN-HOUSE CENLAR
Payment Options
  • ACH Monthly
  • Budget Drafting (Bi-weekly Payments)
  • Mail in Coupon
  • ACH Monthly
  • Mail in Coupon
Loan/Escrow Questions  Call us at (225) 292-8910  Call us at (225) 292-8910

Call CENLAR at 1 (866) 913-2953

Hours of Operation 8:30 AM – 4:30 PM (M, T, TH, F)

9:00 AM – 4:30 PM (W)

 24 – Hour Access
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Insured by NCUSIF

Our branch is insured by The National Credit Union Share Insurance Fund (NCUSIF), which provides deposit insurance to protect the accounts of our members.

 

 

Family Eligibility

The family of Louisiana USA members are also eligible to join the credit union and benefit from our products and services. Refer those you love to the baking institution you know will take care of them.

 

 

Additional Services

Night Deposit Box
ATMs
ART (Audio Response Teller)
Account Alerts
Drive-Thru Window
Visa Gift Cards
Notary Services
Safe Deposit Boxes

 

 

Financial Counseling & Continued Education

Our expert staff is always available to assist members with any financial issues or concerns, From designing budgets to improving credit scores, we're here to help!

 

 

Shared Branch Access

Through Shared Branching, a co-op service provided to our members, you can access branches and ATMs across the United States and beyond! Download the app to your phone or visit our Service Center & ATM locator page to find your nearest location.

 

 

Online Services

Monthly Statements
Apply for loans & mortgages
Bill Pay
Direct Deposit
Transfer Money
Mobile Banking