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Mortgage

Making Your Journey Home a Reality

La Capitol home lending helps you make the most of your home investment. Options like no PMI or down payment needed1 let you secure your loan with less funds and get into your space sooner. Also, you could qualify for up to 100% financing2 on your purchase — that means more money to spend on your new space.

Our mortgage products include:

Conventional | FHA | VA | Rural Development | Non-conforming | Double-Wide Mobile Home with Land 
Land/Lot Up to 100% LTV | Non-warrantable condo | HELOCs & Fixed Second Mortgages

 

  • Conventional Home Loans

    Conventional Home Loans
    • Low, fixed rates
    • Purchase or refinance
    • Minimum down payment 3%
    • Primary home, second/vacation home, or investment
    • Terms up to 30 years available

    Apply Now

    Loans are available to qualified, creditworthy members. The amount of your loan and the term will affect your interest rate. The rate you qualify for will depend on a review of your credit history. Ask for complete details.

    Payment Example: A loan amount of $250,000 with a 3% down payment at a rate of 7.00% APR for 30 years has an estimated monthly payment of $1,613.36 (principal and interest).  Adding payment protection may change the rate, payment, and term. Any deferment of payment(s) during the life of the loan may result in an increased APR for the statement cycle(s) of the deferred payments. Other restrictions may apply. Contact a La Cap representative for details.

  • 100% No PMI Loan

    100% No PMI1 Loan
    • No PMI1
    • No down payment
    • Purchase only

    Apply Now

    1 PMI = Private Mortgage Insurance. Other conditions apply, including but not limited to appraisal, title, and maximum loan amount of $300,000. Maximum DTI (Debt to Income ratio) 40%. Minimum credit score of 700. No slow payments in the last 24 months. 24 months of previous mortgage history or rental history. Judgments, liens, voluntary or involuntary repossessions, charge-offs, federal and state tax liens must all be paid in full and released prior to closing. No open or active mortgage(s) allowed in order to qualify for this product. Minimum 24 months of verified employment in the same or related field. Two years of W-2s and tax returns are required. Seller contribution up to 6% allowed. Loans are available to qualified, creditworthy members. The amount of your loan and the term will affect your interest rate. The rate you qualify for will depend on a review of your credit history. Ask for complete details.

  • Lot/Land Loans

    Lot/Land Loans
    • Up to 100% financing
    • Terms up to 15 years
    • 5-year Balloon option

    Apply Now

    Loans are available to qualified, creditworthy members. The amount of your loan and the term will affect your interest rate. The rate you qualify for will depend on a review of your credit history. Ask for complete details.

    Payment Example: A loan amount of $250,000 at a rate of 6.5% APR for 15 years has an estimated monthly payment of $1,882.38 (principal and interest). Adding payment protection may change the rate, payment, and term. Any deferment of payment(s) during the life of the loan may result in an increased APR for the statement cycle(s) of the deferred payments. Other restrictions may apply. Contact a La Cap representative for details.

  • Rural Development Loans

    Rural Development Loans

    A rural development loan assists qualified buyers interested in purchasing a primary residence in eligible rural areas.

    • 100% financing
    • 30-year term
    • Up front guarantee fee can be financed into the loan
    • Income restrictions apply

    Apply Now

    Loans are available to qualified, creditworthy members. The amount of your loan and the term will affect your interest rate. The rate you qualify for will depend on a review of your credit history. Ask for complete details.

    Payment Example: A loan amount of $250,000 at a rate of 6.75% APR for 30 years has an estimated monthly payment of $1,621.50 (principal and interest). Adding payment protection may change the rate, payment, and term. Any deferment of payment(s) during the life of the loan may result in an increased APR for the statement cycle(s) of the deferred payments. Other restrictions may apply. Contact a La Cap representative for details.

  • FHA Loans

    FHA Loans
    • Down payment as low as 3.5%
    • Monthly mortgage insurance premium is required on all FHA loans
    • Loan limits apply

    Apply Now

    Loans are available to qualified, creditworthy members. The amount of your loan and the term will affect your interest rate. The rate you qualify for will depend on a review of your credit history. Ask for complete details.

    Payment Example: A loan amount of $250,000 with a 3.5% down payment at a rate of 6.75% APR for 30 years has an estimated monthly payment of $1,542.04 (principal and interest).
    Adding payment protection may change the rate, payment, and term. Any deferment of payment(s) during the life of the loan may result in an increased APR for the statement cycle(s) of the deferred payments. Other restrictions may apply. Contact a La Cap representative for details.
     

  • VA Loans

    VA Loans
    • 100% financing available to qualified veterans 

    Apply Now

    Loans are available to qualified, creditworthy members. The amount of your loan and the term will affect your interest rate. The rate you qualify for will depend on a review of your credit history. Ask for complete details.


You will need the following documents when you're ready to apply:

  • 30-day pay history
  • Previous 2 years’ W-2
  • Previous 2 years’ personal & business tax returns (only required if self-employed)
  • Recent two-month bank statements
  • Homeowners insurance policy

Application Status

If you've already submitted an application, you can check the status of your loan online.

Mortgage Buyers Guide

Valuable, timesaving information to help you find and buy your new home.

TruStage™ Home Insurance

Homeowners, renters, and condo insurance are available.


Meet Our Mortgage Loan Originators

  • Daniel Knoll

    Daniel Knoll Mortgage Lending Manager NMLS# 700837
    Mortgage Originator Daniel Knoll

    700 Main Street
    Baton Rouge, LA 70802

    Office: 225-342-5055 Ext 2320 or 800-522-2748
    Fax: 225-342-5012 or 800-297-2717

    Email Daniel

  • Brian Davis

    Brian Davis Mortgage Loan Originator NMLS# 325274
    Mortgage Originator Robert Davis

    700 Main Street
    Baton Rouge, LA 70802

    Office: 225-342-5055 Ext 2374
    or 800-522-2748
    Fax: 225-342-5012 or 800-297-2717

     

    EmaiL Brian 

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Mortgage Calculator

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The accuracy of this calculator and its applicability to your circumstances is not guaranteed. Results should be discussed with a qualified professional before any product purchases or loan commitments are made.

Disclosures

1 PMI = Private Mortgage Insurance. Other conditions apply, including but not limited to appraisal, title, and maximum loan amount of $300,000. Maximum DTI (Debt to Income ratio) 40%. Minimum credit score of 700. No slow payments in the last 24 months. 24 months of previous mortgage history or rental history. Judgments, liens, voluntary or involuntary repossessions, charge-offs, federal and state tax liens must all be paid in full and released prior to closing. No open or active mortgage(s) allowed in order to qualify for this product. Minimum 24 months of verified employment in the same or related field. Two years of W-2s and tax returns are required. Seller contribution up to 6% allowed. Loans are available to qualified, creditworthy members. The amount of your loan and the term will affect your interest rate. The rate you qualify for will depend on a review of your credit history. Ask for complete details.

2 Loans are available to qualified, creditworthy members. The amount of your loan and the term will affect your interest rate. The rate you qualify for will depend on a review of your credit history. Ask for complete details.

NMLS # 411413

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