Second Home Mortgage in Louisiana? We Can Help.

Solutions

NMHL is a licensed Louisiana lender specializing in helping borrowers overcome second home mortgage. Get expert guidance and personalized solutions.

We Understand What You're Going Through

Buying a second home or investment property is a common goal, but the mortgage requirements differ significantly from primary residence financing. Higher down payments, stricter credit requirements, and higher interest rates are typical. Understanding the distinction between second homes and investment properties, and knowing which loan programs best serve each purpose, is essential to making a smart financial decision.

Higher down payment required for second homes in Louisiana
Confused about second home vs investment property rules in Louisiana
Qualifying with an existing mortgage in Louisiana
Second home rates are only slightly higher than primary residence rates.

Smart financing turns property dreams into reality.

You're Not Alone in This

Thousands of homeowners face the same challenges every year. Our experienced team has helped families across 29 states find mortgage solutions tailored to their unique situations.

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Solutions for Second Home Mortgage in Louisiana

NMHL offers multiple pathways to homeownership for Louisiana borrowers.

Conventional Second Home Loans

Conventional mortgages for second homes require as little as 10% down with competitive interest rates. These loans work for vacation homes you plan to use personally for part of the year.

10% minimum down payment Competitive rates Personal vacation use

DSCR Investment Loans

Debt Service Coverage Ratio loans qualify based on the rental income the property will generate rather than your personal income. Ideal for investors who want to grow a rental portfolio without DTI constraints.

Rental income qualifies No personal income required Portfolio growth friendly

Conventional Investment Property

Traditional investment property mortgages with 15-25% down payment. These loans use your personal income and credit to qualify and offer fixed-rate stability for long-term investment holds.

15-25% down payment Fixed-rate available Long-term stability

Your Path to Homeownership in Louisiana

A simple, guided process from start to finish.

1

Free Consultation

Speak with a licensed loan officer about your situation

2

Explore Your Options

We identify the best loan programs for your needs

3

Get Pre-Approved

Submit a quick application with no credit impact

4

Close with Confidence

Dedicated support through closing day

Couple reviewing mortgage documents with advisor

Every Situation Has a Solution

Our team specializes in finding the right path forward, no matter your circumstances

Get Your Free Assessment

See What You Qualify For

Complete your mortgage application in minutes — no login required, no credit impact

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Prefer to Talk to Someone?

Call (855) 513-2749 to speak directly with a licensed Louisiana loan officer about your situation. Free consultation, no obligation.

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Second Home Mortgage in Louisiana - FAQs

Yes. NMHL offers second home and investment property mortgages for properties in Louisiana. Whether you are buying a vacation getaway or rental investment in Louisiana, our loan officers can match you with the right financing program.

Rental property regulations in Louisiana vary by municipality, especially for short-term rentals like Airbnb. NMHL loan officers in Louisiana can advise on financing, but we recommend consulting local regulations regarding rental permits and restrictions for your specific Louisiana property location.

Louisiana Mortgage Resources

All Louisiana Mortgage Programs

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Louisiana Mortgage Calculator

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Louisiana Rates Today

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FHA Loans in Louisiana

Explore FHA loan options and requirements in Louisiana.

VA Loans in Louisiana

Learn about VA loan benefits for Louisiana veterans.

Conventional Loans in Louisiana

Explore conventional loan options in Louisiana.

Get Help with Second Home Mortgage in Louisiana

Speak with a licensed Louisiana loan officer today. Free consultation, no obligation.