Our offices will be closed Thursday, June 19, 2025, in observance of Juneteenth National Independence Day.
The Credit Union will be closed Thursday, June 19 in observance of Juneteenth National Independence Day. See our Holiday Hours
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Buying a home is one of the biggest financial decisions you’ll make, and finding the right home loan in Baton Rouge should be simple and stress-free. At Essential Credit Union, we offer competitive rates, flexible terms, and a straightforward lending process. Whether you're a first-time homebuyer, looking for a fixed-rate mortgage in Baton Rouge, or considering refinancing, we have the right mortgage solution for you.
With a focus on local lending decisions and personalized service, we’re here to help you navigate the home financing process with confidence.
Check Rates Begin a Quick Start Inquiry
The values on this form are for discussion and illustration purposes. This page is not a commitment to lend or extend credit. Your actual rate and term will vary and are dependent upon the applicants’ creditworthiness and the mortgage loan chosen.
A solid choice for buyers with strong credit, our conventional home loans offer:
Use Quick Start to find the right mortgage program for you. Quick Start takes approximately 5 minutes to complete. The full application takes about 25 minutes.
Perfect for first-time buyers, our FHA home loans in Baton Rouge provide:
Use Quick Start to find the right mortgage program for you. Quick Start takes approximately 5 minutes to complete. The full application takes about 25 minutes.
For those looking to buy a home without a large upfront payment, this option allows:
Use Quick Start to find the right mortgage program for you. Quick Start takes approximately 5 minutes to complete. The full application takes about 25 minutes.
We’re proud to offer VA home loans designed to support those who have served. This program includes:
Use Quick Start to find the right mortgage program for you. Quick Start takes approximately 5 minutes to complete. The full application takes about 25 minutes.
If you're looking for a mortgage lender for home loans in Baton Rouge, Essential Credit Union is here to help. Whether you need guidance on the best financing options or you're ready to apply, we’re committed to making the process smooth and straightforward.
Get in touch with our mortgage team to start your application. You can also explore your options by calling a member of our team at 225.353.8238 . To stay informed on the latest rates, check our current mortgage rates before you apply.
With Essential Credit Union, you’re not just getting a home loan—you’re gaining a lending partner who cares about your financial future. Let’s make homeownership a reality, together.