Choose from several conventional mortgages at Bonvenu Bank to help you realize your dream of homeownership, or to help you save money on a refinance.
You can spend a long time looking for a home that's the right size, in the right place, at the right price. But there's no need to look beyond Bonvenu Bank for an affordable mortgage that fits your finances and future plans. Our experienced team can describe all our mortgage options and guide you through the application process quickly and efficiently.
Apply for a mortgage online, contact a local mortgage lender or visit a branch in Bossier City, Baton Rouge, Shreveport, Metairie, Mansfield or another convenient Louisiana location.
Mortgage loans are subject to credit approval, as well as other conditions. Bonvenu Bank NMLS ID #412577.
The Annual Percentage Rate, or APR, reflects the true annual cost of the mortgage loan including the rate and any other fees. This is the number you should use when comparing loans because a lender may offer a low rate but charges high fees for closing costs, making the total APR higher than another lender offering a higher rate but lower closing costs.
Private Mortgage Insurance (PMI) is required by lenders on a conventional loan when the buyer’s down payment is below 20%. The purpose is to protect the lender if the buyer fails to pay the loan.
Enter your mortgage amount, terms and interest rate into Bonvenu Bank’s Mortgage Calculator to get an estimate on your monthly mortgage loan payment.
Conventional loans generally require a 5% down payment however they do offer as little as 3% for borrowers in a certain income level. If you put less than 20% down, you will have to pay private mortgage insurance. FHA loans require a 3.50% down payment, require an upfront mortgage insurance premium of 1.75% and also require a monthly mortgage insurance premium to be paid, similar to a conventional mortgage. Both may allow for gift funds to help with down payment and closing costs.
All borrowers are welcome to submit a prequalification request or loan application through any of our loan officer’s websites. The process takes less than 10 minutes and is free. We also offer an option to complete a prequalification or application through a secure email service, DocuSign. And of course we will be glad to meet in person, just give us a call to schedule an appointment.
We offer loans for new and used vehicles with competitive interest rates.
Let's discuss your options so you can settle into your new home.
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