At IBERIABANK, our professional lenders help you make your homeowner dreams a reality. We offer a wide variety of mortgage loan options with competitive rates.

Apply online or let our experienced lenders determine the mortgage that's right for you.

Explore Your Mortgage Options:

• Fixed Rate Mortgage
• Adjustable Rate Mortgage (ARM)
• Affordable Housing Loans
• Construction Loans
• No Income No Asset-State Income, Stated Asset Verification Mortgage
• Reverse Mortgage
• Interest First
• Sub-Prime Loans

Fixed-Rate Mortgage

Lock-in a fixed rate for the life of your mortgage.

The most popular type of mortgage, fixed-rate mortgages offer you the security of a principal and interest payment amount that remain the same for the life of your loan. We offer a full range of fixed-rate mortgage loan options with a variety of terms.

Use our calculator to help you decide if the Fix-Rate Mortgage is right for you.

For more information, please visit with a professional lender in your area.

Adjustable Rate Mortgage (ARM)

Take advantage of lower initial rates.

An adjustable rate mortgage, or an "ARM" as they are commonly called, is a loan that offers a low initial interest rate and monthly payment. The low initial interest rate and monthly payment of an ARM may change at pre-determined intervals based on interest rate movements. Interest rates and payments are fixed for the initial period of 1, 3, 5, 7 or 10 years with annual adjustments thereafter. Changes are tied to an index such as the yield on U.S. Treasury Securities. Depending on market conditions, your adjusted rate may be higher or lower than your initial rate, but all of our ARMs have periodic and lifetime rate caps to help you plan your payments.

Use our calculator to help you decide if an Adjustable Rate Mortgage is right for you.

Unsure if an ARM or Fixed-Rate Mortgage is better for you?

For more information, please visit with a professional lender in your area.

Affordable Housing Loans

FHA, VA, Rural Development, FLEX 100, FLEX 97, or HomeAssist^SM Mortgages
Take advantage of government loans with the lowest possible down payment.

We specialize in offering the best rates and terms available on government insured and guaranteed home mortgages. With the lowest down payment available, these loans are ideal for the first-time home buyer.

To apply for this type government loan, please visit with a professional lender in your area.

Construction Loans

Build the home you've always dreamed of owning.

With a one-time close construction loan from IBERIABANK you can combine the construction loan and permanent loan into one, saving you time and money. You get the security of knowing your permanent rate before you start construction. Interest-only payments are made during the construction period based on the amount of your monthly draws.

For more information, please visit with a professional lender in your area.

No Income No Asset - Stated Income, Stated Asset Verification Mortgage

Look what we can do for you!

Fixed-Rate and Adjustable mortgages with no income and no asset or stated income and stated asset verification. Designed for individuals who do not wish to provide tax returns, pay stubs or company P&L's to confirm income.

For more information, please visit with a professional lender in your area.

Reverse Mortgage - HECM

A new kind of loan - in Reverse

A reverse mortgage is a special type of loan used by older Americans age 62 or older to convert the equity in their homes into cash. The money from a reverse mortgage can provide seniors with the financial security they need to fully enjoy their retirement years.

For inquiries on a Reverse Mortgage, please send us an email.

Interest First

Ideal option for lower monthly payments early in the life of the loan.

InterestFirst™ allows borrowers to make lower payments for the first years of a fixed-rate or adjustable-rate mortgage by offering an interest-only period during the early years of the loan, followed by a fully amortizing period. If you do not expect to be in your home for many years, you may want to consider an InterestFirst™ Mortgage.

For more information, please visit with a professional lender in your area.

Sub-Prime Loans

If your credit prohibits you from qualifying for a conventional or low down payment loan offered by FHA and VA, you may qualify for a "sub-prime loan". These loans typically require a larger down payment and a higher rate of interest.

Is a Sub-Prime Loan right for you? Please contact a professional lender in your area.

Considering a Mortgage Loan? There are many financial decisions involved in purchasing or refinancing a home. The calculators we provide here can help you decide what type of mortgage is best for you, whether you are considering purchasing a new home or deciding if it is the right time to refinance.

Regardless of your needs and goals, Life Doesn't Wait^SM, contact the experienced professionals at IBERIABANK for complete details on the mortgage options we have to offer.

Apply for your Mortgage Loan online. It's safe and secure. You'll receive information about your pre-approved loan in minutes.

*Using any loan calculator or loan application found at iberiabank.com is not an offer by IBERIABANK to extend credit. Credit is subject to approval. Rates may vary.

*Consult with a tax advisor before deducting interest paid on a home equity loan, line of credit or mortgage loan. A mortgage loan, home equity loan or line of credit is secured by a mortgage lien on your primary residence only, which must be a one - to - four family residential real estate. Property and/or flood hazard insurance and escrow may be required. Mortgage Loans are available only to residents of Louisiana.