Louisiana Mortgage Advisor
Louisiana home financing, done right.
From New Orleans historic homes to Baton Rouge family estates and Lafayette professionals, Eddy structures financing across every Louisiana market — with full understanding of Louisiana's unique legal and insurance landscape.
$832,750
2026 conforming limit
0.55%
LA property tax (avg)
$75k
Homestead exemption
$215k
Median home price
Louisiana's unique closings
Louisiana uses notary-led closings rather than title companies. Eddy coordinates with your notary so funding lines up cleanly with the act of sale.
Flood zone expertise
South Louisiana flood mapping changes regularly. We pull preliminary flood determinations early so insurance quotes are accurate before contract.
Historic property financing
Renovation and historic property programs for the French Quarter, Garden District, and CBD — including 203(k) and HomeStyle renovation loans.
Homestead exemption
Louisiana's $75,000 homestead exemption materially lowers your monthly tax escrow on a primary residence. We model it correctly into your PITI.
Cities served
New Orleans · Baton Rouge · Lafayette · Lake Charles · Shreveport · Metairie · Slidell
Frequently asked
What's the 2026 conforming limit in Louisiana?+
The 2026 baseline conforming limit is $832,750 for a 1-unit property. Louisiana has no high-cost counties, so the same limit applies statewide.
How does the Louisiana homestead exemption affect my mortgage?+
The first $75,000 of your home's assessed value is exempt from parish property taxes on your primary residence. This meaningfully reduces your monthly escrow.
Is flood insurance required in Louisiana?+
If your property sits in a FEMA-designated Special Flood Hazard Area, flood insurance is required by your lender. Eddy pulls flood determinations before contract to avoid surprises.
Why is closing different in Louisiana?+
Louisiana follows the Napoleonic Code rather than common law. Closings are conducted by a licensed notary public who handles the act of sale, escrow, and recording.