Ascension Parish, Louisiana
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1 Platform, 6 Refinance Alerts
01
Alert for Lower Rates
02
Alert for Cash Out
03
Alert for Shorter Term
04
Alert for Eliminating PMI
05
Alert for Product Changes
06
Alert for Changes in Home Value
Ascension Parish Real Estate Market Update
The real estate market in Ascension Parish, Louisiana, is experiencing growth, with the median home value reaching approximately $295,319, reflecting a 2.4% increase over the past year. Homes in the area typically go to pending status within about 27 days, indicating a relatively active market. In September 2024, the median sale price was $295,000, showing a 3.5% increase from the previous year.
Ascension Parish includes several prominent cities, with Gonzales being one of the largest, known for its population and vibrant community life. Prairieville is another significant area, offering a suburban feel with a growing population. These cities contribute to the parish's overall appeal, providing residents with a mix of amenities and community activities.
Living in Ascension Parish offers a blend of rural and suburban lifestyles. The area is known for its agricultural roots, yet it has seen suburban development in recent years. The top industries include manufacturing and retail, which attract people seeking employment opportunities. The parish's appeal lies in its balance of rural charm and suburban convenience, making it an attractive destination for those looking to relocate from more urban areas.
2025 Mortgage Loan Limits:
Ascension Parish, Louisiana
1 Unit
$806,500
Conforming Loans
$524,225
FHA Loans
2 Unit
$1,032,650
Conforming Loans
$671,200
FHA Loans
3 Unit
$1,248,150
Conforming Loans
$811,275
FHA Loans
4 Unit
$1,551,250
Conforming Loans
$1,008,300
FHA Loans
Questions About Refinancing in
Ascension Parish
What is mortgage refinancing?
Refinancing is the process of replacing your current mortgage with a new one, often to secure a lower interest rate or change the loan terms.When should I consider refinancing?
Consider refinancing when interest rates drop, your credit score improves, or you want to switch from an adjustable-rate to a fixed-rate mortgage.How much does it cost to refinance?
Refinancing costs typically range from 2% to 5% of the loan amount, including closing fees, appraisal, and title fees.How long does the refinancing process take?
The refinancing process usually takes between 30 to 45 days, but this can vary based on lender efficiency and document preparation.What are the benefits of refinancing?
Refinancing can lower your monthly payments, reduce interest rates, shorten loan terms, or allow you to tap into home equity.What is cash-out refinancing?
Cash-out refinancing allows you to take out a new loan for more than your current mortgage balance and receive the difference in cash.Will refinancing hurt my credit?
Refinancing may cause a temporary dip in your credit score due to the hard inquiry, but the impact is usually minor and short-term.Can I refinance with bad credit?
It may be harder to qualify, but some lenders offer refinancing options for people with lower credit scores, though they often come with higher interest rates.How much equity do I need to refinance?
Most lenders require you to have at least 20% equity in your home to qualify for refinancing, though some programs may allow for lower equity percentages.Is it possible to refinance a rental property?
Yes, you can refinance an investment or rental property, though the terms and interest rates may be different compared to refinancing a primary residence.
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