Finding ways to say yes to your dream home
For more than 90 years, Louisiana families have trusted us for our expert local guidance, competitive rates, convenient digital banking, and commitment to putting members first.
Apply for a home loan, refinance, or land loan today!
Purchasing A Home?
The home of your dreams is waiting. We'll help you secure the right loan quickly with a simple, fast process.
Need To Refinance?
We'll help you explore the options that fit your needs best. We listen first, then shape personalized solutions in real time.
Buying Land?
Land is a big first step. Let's talk through your options and figure out what makes sense for you and your budget.
Buying a home is about more than just interest rates. You need mortgage professionals who consistently give their best.
How We Work
Open the door to your perfect home, whether you're purchasing for the first time or refinancing to transform your existing home into a place of endless possibilities.
No PMI up to 90% — applies across purchase, refinance, and first-time buyer loans
Local, fast expert decisioning — quick approvals and closings, backed by a local team
Low down payment options — as little as 3% for first-time buyers, little to none for heroes¹, up to 100% financing on land²
Competitive rates with capped origination fees³ — no prepayment penalty on Heroes loans
Flexible terms to fit any goal — fixed, adjustable, or land financing, with flexible payment options (online, phone, mail, branch, auto-pay)
Mortgage Office
1401 Derek Drive, Suite A, Hammond, LA 70403
Phone:
225-924-8900 x 512
Email:
telcorealestate@brtelco.org
Diclsosures
1 — Low down payment for “community heroes” (Professions including teachers, fire department, law enforcement, nurses, EMTs, and active or former military), up to 99% financing. No down payment is required for “community experts” (Members with select professional designations including CPAs, CFAs, PhDs, Architects, and Actuaries), up to 100% financing. In both cases, the borrower must meet employment eligibility requirements.
2 — All loans are subject to credit approval and property appraisal. Land loan rates, terms, and conditions may vary based on creditworthiness, loan-to-value, and loan term. Financing up to 90–100% of the appraised value is available for well-qualified borrowers and may require a minimum credit score of 720, which may result in a higher interest rate. Loan terms longer than 10 years, up to a maximum of 12 years, may result in an increased interest rate. Closing costs may be included in the loan, provided the total loan amount does not exceed 100% of the appraised value. Rates, terms, and conditions are subject to change.
3 — Applies to loans of $400,000 or more
*APR = Annual Percentage Rate. All rates, fees, and terms are subject to change, not guaranteed, and are based on credit qualifications and lending guidelines.