St. Helena 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
St. Helena Parish Real Estate Market Update
St. Helena Parish, located in Louisiana, has a real estate market characterized by relatively affordable housing. The average home value in the parish is approximately $140,318, which has seen a decrease of 4.0% over the past year. The median list price of homes in the area recently increased to $71,500, reflecting a significant rise of 28.3% from the previous month.
The parish includes several small towns, with Greensburg being one of the most notable. Greensburg is the parish seat and offers a small-town atmosphere with a population of around 718 residents. Other communities in the parish include Montpelier and Pine Grove, each contributing to the rural charm and community-focused lifestyle of the area.
Living in St. Helena Parish offers a predominantly rural experience, with vast open spaces and a lifestyle that is closely tied to agriculture and farming. The area is known for its agricultural activities, which play a significant role in the local economy. Many residents are drawn to the parish for its quiet, rural lifestyle, and the opportunity to engage in farming or enjoy the natural surroundings. The parish's economy is supported by industries such as agriculture, forestry, and small-scale manufacturing, attracting people seeking a peaceful, community-oriented environment.
2025 Mortgage Loan Limits:
St. Helena 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
St. Helena 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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