LA Mortgage Broker
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Louisiana Loan Facts
- Community Property State - Since Louisiana is a community property state, you must include the liabilities of both the husband and the wife when calculating debt-to-income ratios for a Louisiana mortgage. You can still do a loan in one name, however, you must include the liabilities of both the husband and the wife.
- High Closing Cost State - HUD has determined certain states to be high closing cost states and others to be low closing cost states. Louisiana is classified as a high closing cost state due to higher priced title fees. If you are moving to Louisiana from another state, be aware of these costs.
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