Louisiana law differs from most states in its vocabulary and procedure. Its Civil Code defines a mortgage as a nonpossessory right, and the Code of Civil Procedure provides executory proceedings that seize and sell property without prior citation and judgment when a mortgage is shown by an authentic act importing a confession of judgment. The Private Works Act gives contractors and others a privilege on the immovable, and the state's emergency agency describes Louisiana as particularly vulnerable to hurricanes.
World's Fair Capital makes business purpose loans to real estate investors in Louisiana: fix and flip, DSCR rental, bridge and ground-up construction. This page covers points that most often matter to an investor there, each checked against the statute or agency that publishes it. It is general information, not legal or tax advice, and terms for any loan are set at underwriting.
Prepared by the WFC editorial team. Facts checked against the cited sources, last reviewed 2026-10-11.
Which describes you?
How a Louisiana loan works with us
- 1Start your application
Fill out a short application in our secure portal.
- 2Review the term sheet
We prepare a term sheet for you to review and e-sign.
- 3Underwriting
Our team works the file and sends a clear document checklist.
- 4Closing
We close and fund through the title or closing agent.
What investors should know about Louisiana
Executory process can seize and sell without prior judgment
Louisiana's Code of Civil Procedure describes executory proceedings as a way to seize and sell property to enforce a mortgage or privilege shown by an authentic act importing a confession of judgment.
Source: La. Code Civ. Proc. art. 2631, checked 2026-10-11
How the Civil Code defines a mortgage
Louisiana's Civil Code defines a mortgage as a nonpossessory right created over property to secure performance of an obligation.
Source: La. Civil Code art. 3278, checked 2026-10-11
Private Works Act privileges on construction
The Private Works Act gives listed parties, including contractors for the price of their work, a privilege on the immovable to secure the owner's obligations, which matters when reviewing construction draws.
Source: La. R.S. 9:4801, checked 2026-10-11
Hurricane exposure
The state emergency preparedness agency says all coastal areas are at risk from hurricanes and describes Louisiana as particularly vulnerable, with flooding possible far inland.
Source: GOHSEP, Hurricanes, checked 2026-10-11
General information, not legal or tax advice. Confirm details with your own counsel or title agent.
For brokers
Placing a deal in Louisiana?
Your client stays your client. We work the deal with you, not around you.
Your compensation is written into the Letter of Intent your client reviews and e-signs, before underwriting begins.
Register in the portal to submit deals online, use program sheets and calculators, and track every file.
Questions on a Louisiana deal? Call 800-590-7911 (Mon–Fri 8:00 AM – 5:00 PM EST).
What to send for a first look
- Property address and type
- Purchase price, or current value on a refinance
- Loan amount requested and what it is for
- Rehab or construction budget, if any
- Current or expected rent on a rental
- The borrower's experience and estimated credit score
- Your timeline to close
Loan programs for Louisiana investors
- Hard Money Loans
- Fix & Flip Loans
- Rental / DSCR Loans
- Ground-Up Construction Loans
- Commercial Bridge Loans
- Multifamily Bridge Loans
- Small Balance Commercial Loans
- Foreign National Loans
- FlexCap Business Bridge Loans
Program availability varies by property and borrower. Business purpose loans only.
Have a deal in Louisiana?
Call 800-590-7911 (Mon–Fri 8:00 AM – 5:00 PM EST) or start online.
Nothing on this website constitutes a commitment, approval, or guarantee of financing.
Rates, fees, terms, timelines, and program descriptions are subject to change without notice.
Any investor-related or capital discussion is not an offer to sell, a solicitation to buy, or a recommendation of any security or investment product.