Lafayette Real Estate Video Blog with Robbie Breaux: September 2014

There are many great Lafayette area homes for sale. Click here to perform a full home search, or if you're thinking of selling your home, click here for a FREE Home Price Evaluation so you know what buyers will pay for your home in today's market. You may also call me at (337) 267-4099 for a FREE home buying or selling consultation to answer any of your real estate questions.

What are Your Options for a Down Payment?

One of the most popular questions we get asked is, "Do I have to put 20% down on a home in order to purchase it?" The simple answer is no. There are a lot of different loan programs out there that allow you to put less money on a down payment, and some where you don't have to put any money down at all. Here are the different types of loans. One may be perfect for you:

VA Loans

VA loans, which all veterans are eligible for, can be had for 0% down. There is a VA fee up front, but that's rolled into the loan. A lot of times we are able to work in the closing costs to where you come away with paying no money down.

Rural Development

A rural development loan is a loan that has 2 prerequisites for qualification. First, the property has to be outside the parish lines in a designated RD area. We have a list of all the homes in the area that qualify for this loan if you would like to check it out. The other requirement has to do with income. If you have a family of 4, the combined household income can not exceed $76,000, or $90,000 for a family of 5.

FHA Loans

FHA loans will allow you to pay 3.5% down. They also allow you to have a non-occupying home borrower who can cosign for you in a loan.

Conventional Loans

Conventional loans are very flexible. You can do a 20% down conventional loan, and that eliminates the need for PMI (Private Mortgage Insurance). Your PMI becomes cheaper the more money you put down.

Our preferred lenders do a great job of getting all our clients the mortgage they need and we would love to have them help you move into a new home. If you have any questions about what kind of loan works best for you, give us a call or send us an email. We will get you the information you need.

Meet Robbie Breaux & Team

Simply put, my objective is to get you the most money in the least time on your Lafayette home sale, and with the fewest hassles. I want to provide the best service in the industry. Period. I want to make you so satisfied that you listed or bought your home with me that you will gladly refer me to your friends.

Robbie Breaux

Robbie Breaux & Team

Van Eaton & Romero, LLC a Latter & Blum Company

2000 Kaliste Saloom Road Suite 101

Lafayette, LA 70508, US

(337) 267-4099

Info@RobbieBreaux.com

Licensed in the State Of Louisiana

Each Office Independently Owned & Operated

Robbie Breaux Testimonials

Click to hear recent
testimonials from happy clients

Sara - "I really enjoyed everything about my home buying experience. Robbie made everything easy. He was so professional and has great market knowledge. Every interaction was so amazing that there’s not one thing I would change."

Katie - "We looked all over for a home and found one with Robbie Breaux & Team. It was a really great experience! After the inspection, any problems we had he would send someone over to fix it with no questions asked. It was really helpful and we appreciated it!"

Drew - "Originally we had our house on the market with another Realtor for about 8 months with no results. We decided to lower the price and put it on the market as for sale by owner, which was a nightmare, and still had no results. After contacting Robbie, we felt very comfortable with him and he gave us a list of things we needed to do in order to sell our home. We did everything and on the first day back on the market we had 2 offers, both for full price. He hit a grand slam so I had a great experience with Robbie!"

Crystal - "They were really great. They did everything for us and was always there when I called or texted. They were always available whenever I had a question."

Melba - "The Robbie Breaux Team really kept me informed and it was a great experience. I actually had a couple of houses that fell through, nothing to do with the team but because I had been dragging my feet. They continuously found me more houses to look at which I really appreciated!"

Missy - "Our agent checked on everything for us. We lived about 3 hours out of where we bought the home and she would go over and take pictures to check on the progress of the home we were building. Any time we had questions, whether it was before hours or after hours, I could always count on an answer. They just went way above and beyond what was expected."

Frankie - "He sold my house and then were able to get me a new home very quickly. Robbie did everything above and beyond. He’s a good friend of mine and he did everything we asked of him and probably more than he had to in order to help us deal with our move and both of our real estate transactions."

Kimberly - "We had tried selling our home 3 times prior to working with Robbie and he had it sold within 2 weeks! We were thrilled! We had moved to Houston and the house we were selling was in Lafayette so everything had to be done over the phone or over one visit. We actually did paperwork so that he would be our power of attorney so we didn’t have to make the trip back when the house sold. He took care of all the paperwork and everything for us, which we really appreciated."

Chuck - "Everything was really good. We got our house sold in 3 days so we were pretty happy about that. We had to wait a little while to show our house so everyone on his team was very patient and did a good job. Robbie was very good with negotiating and getting things down quickly."

Ricky - "I’ve known Robbie for a while because he and my daughter are good friends. He sold a house for her so I decided to work with him. They responded to all my requests for open houses and pictures and he was also proactive at the end of the sale. I am very appreciative of all his help!"

Greg - "We had good results when we worked with Robbie Breaux and his team. They helped and gave us ideas and hints on how to make the house more appealing for curb appeal. It was a little touch up there, a little touch up here. Fix this, fix that, and I did most of it myself and it worked! The house was turned over pretty quickly!"

Kevin - "He sold my house fast, and he was able to help me find a house fast. He made it a seamless transition. He was very flexible. Even if it was after hours, he was always willing to meet us at any time. That was very helpful with our schedules."

Boyer - "We worked with them for about two and a half months. We were able to purchase a home that worked out well for us. Both my wife and I have hectic schedules and a small child. They were incredibly flexible with their schedules in order to help with ours, and that was much appreciated."

Bonnie - "My house sold to the first viewer. His team helped stage my home, and I think that’s why it sold so fast. He stayed in touch with me, and his team helped me with things over the computer that I wasn’t real familiar with, like e-signing. They were really accommodating and easy to work with!"

Laurie - "We had thirty days to sell our house, and we sold it in two and a half weeks! Everyone on the team was awesome, but I especially appreciated the work Amber did. I had a lot of questions, and she definitely went above and beyond by answering them all. Everything went well."

Candy & Gerald -"Whenever we wanted to look at a house, or if we needed to talk to our realtor on the phone, she was there! And I was touched that after we bought a house they gave us a gift card and a little present as a thank you for working with them."

Connie -"Everything went well! While we were moving Robin helped us sort out some minor issues, even though the house was already sold!"

Karl -"We purchased a home we wanted very much! Our realtor, Laurie Kramer was very professional. She kept us informed any way she could. Text, emails, calls, we always knew what was going on and at what point we were in the process."

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What are Your Options for a Down Payment?

How we helped Frankie with his real estate needs by going above and beyond