Empowering Rural Homeownership through RHS Loans
RHS (Rural Housing Service) Loan Programs are designed to make homeownership affordable for those living in eligible rural and suburban areas. At Intelligent Mortgage, we’re proud to connect Louisiana residents with these powerful, government-backed loans that offer low interest rates and zero down payment options for qualifying applicants.
Tailored Guidance for USDA Rural Housing Loans
Navigating government loan programs can be overwhelming—but our team is here to simplify the process. We work closely with you to determine your eligibility, gather the necessary documentation, and walk you through every step of securing an RHS loan. Whether you’re buying your first home or relocating to a rural community, we ensure a smooth and informed experience.
Flexible Terms with Zero Down Payment
One of the greatest advantages of RHS loans is the ability to purchase a home without a down payment, helping more families access homeownership. With flexible credit guidelines and reduced mortgage insurance premiums, this program is ideal for buyers who might not qualify for conventional loans. At Intelligent Mortgage, we ensure you make the most of every benefit available.
"Loan Benefits with
Walt Herschede"
_______
Enjoy no down payment and low rates with flexible loan options.
_______
Financing available for loan amounts exceeding $1 million
_______
Custom financing solutions for high-value properties with flexible rate options
_______
No down payment required with loan financing.
Strengthening Communities One Home at a Time
Beyond just financing homes, RHS loans help strengthen communities by encouraging long-term residency and investment in rural areas. Our commitment is to help you not only qualify for a loan but to build lasting roots in a place you’ll be proud to call home. Trust our team to support your goals with care, expertise, and personalized service.
Why Choose Intelligent Mortgage?
At Intelligent Mortgage, led by CEO Walt Herschede, we are profoundly honored to assist our nation’s active-duty service members, Veterans, and eligible surviving spouses in achieving their homeownership dreams. With deep respect and gratitude for your service, we specialize in guiding you through the unique and powerful benefits of VA loans.
We are known for
"FAQs"
At Intelligent Mortgage, led by Walt Herschede, we distinguish ourselves through our commitment to intelligent solutions and personalized service. We don’t just process loans; we take the time to understand your unique financial situation and goals, then educate you on the best-fit options from our wide range of services. Our focus is on providing clear, transparent advice and ensuring a smooth, stress-free experience from application to closing.
Absolutely! We specialize in guiding first-time homebuyers through every step of the process. We understand that buying your first home can feel overwhelming, which is why we offer dedicated support, explain all the options clearly (including FHA Loans, State and Local Housing Programs, and other low-down payment solutions), and help you prepare for a successful homeownership journey.
We offer a comprehensive suite of loan products to meet diverse needs. Our options include:
Adjustable Rate Mortgages (ARMs)
Fixed Rate Mortgages
FHA Loans
VA Loans
Conventional Loans
Jumbo Loans
RHS Loan Programs
State and Local Housing Programs
Home Equity
Refinance options
Residential loans of all kinds, including Fix and Flips. We’ll help you understand the pros and cons of each to find the perfect fit.
Loans are a fantastic benefit for eligible veterans, active-duty service members, and certain surviving spouses. Eligibility typically depends on your service history, including length of service and discharge status. While the Department of Loans sets the core eligibility criteria, we can help you understand these requirements, determine your specific eligibility, and assist you in obtaining your Certificate of Eligibility (COE) – a crucial step in securing your loan.
With a Fixed Rate Mortgage, your interest rate remains the same for the entire life of the loan, resulting in predictable monthly principal and interest payments. This offers stability and makes budgeting easier. An Adjustable Rate Mortgage (ARM), on the other hand, starts with a fixed interest rate for an initial period (e.g., 5 or 7 years), after which the rate can adjust periodically based on market indices. ARMs often start with lower interest rates than fixed-rate options, which can be appealing if you plan to move or refinance before the adjustable period begins. We can help you weigh the pros and cons of each based on your financial plans and risk tolerance.
Lock in Top Mortgage Rates Now
Join countless service members and veterans across the nation who trust us to guide them through the loan process every step of the way.
