Mortgages - St. Landry Bank & Trust Company

Conventional mortgages

We combine competitive rates, groundbreaking tools and technology, and a fast, easy process to help you deliver a worry-free mortgage experience.

620+ FICO
Eligible for primary, second and investment properties on purchase, rate/term and cash-out refinances
LTVs as high as 97% on purchase and rate/term refinances
LTVs as high as 80% on primary home and 75% on second home and investment cash-out refinances
Temporary Rate Buydowns available
Available on single- and multi-wide manufactured homes, co-ops, condos, PUDs and One-Time Close New Construction loans

Conventional Elite 5, 7, and 10 year

700+ FICO, up to 80% LTV
Primary, second and investment properties on purchase, rate/term and cash-out refinance
$125,000 minimum loan amount
Not available on manufactured homes
Conventional 5, 7, and 10 year
- 620+ FICO, up to 95% LTV
- Primary, second, investment, purchase, rate/term and cash-out refinance
- One-Time Close New Construction loans available for 7 and 10 year ARMs
- Not available on manufactured homes
Conventional Elite High Balance 5, 7, and 10 year
- 700+ FICO, up to 80% LTV
- Primary, second, and investment properties on purchase, rate/term and cash-out refinance
- Loan amounts from $832,750 up to local loan limits
- Not available on manufactured homes
Conventional High Balance 5, 7, and 10 year
- 620+ FICO, up to 95% LTV
- Primary, second, investment properties on purchase, rate/term refinance and cash-out refinance
- Loan amounts from $832,750 up to local loan limits
- One-Time Close New Construction loans available for 7 and 10 year ARMs
- Not available on manufactured homes
- Temporary Rate Buydowns available

Many other options are available including Jumbo loans and HELOC's.