Ory Comeaux -CrossCountry Mortgage

09/07/2026

A little rain never hurt anybody!

Tigers looked GOOD this weekend against Clemson, hopefully they can carry that energy through the rest of the season.

GEAUX TIGAHS!

09/02/2026

5.0 star review received on Experience.com for Ory Comeaux by Joseph V - Ory was very helpful and and explained in detail throughout the whole proces.

Read more: https://experience.com/reviews/ory-comeaux-334547/79c22b39-ac78-4d52-9cd2-0b54d0f28852?V=1788371098&utm_source=facebook&utm_medium=autopost&utm_content=13484171

09/01/2026

“We like our house. We just wish it had…”

A bigger kitchen.

Another bedroom.

A better outdoor space.

A home office.

I hear some version of that conversation pretty regularly.

And usually the homeowner assumes there are only two choices:

Live with it… or move.

But there’s a third conversation worth having before putting the house on the market.

What would it look like to improve the home you already own?

For homeowners who have built equity, there may be ways to access a portion of that equity without replacing the mortgage they already have.

That’s where options like a home equity line of credit or home equity loan can enter the conversation. CCM’s product options allow qualified homeowners to access equity while leaving the existing first mortgage in place.

That doesn’t mean renovating is automatically better than moving.

Sometimes the house truly doesn’t fit anymore.

But sometimes the neighborhood is right, the schools are right, the location is right—and changing the house makes more sense than changing the address.

Before deciding “we need to move,” it may be worth asking a different question:

“What would it take to make this house work for us again?”

If you’ve been having that conversation at home, I’m happy to help you understand what options may be available so you can compare them before making the bigger decision.

Loan programs are subject to qualification, underwriting approval, program availability and applicable restrictions.

09/01/2026

Same day. Same mortgage market. Two different “average” rates.

So which website is right?

Potentially both—but neither number is automatically the rate an individual buyer should expect.

Online rate websites measure the market differently. They may use different borrower profiles, lender data, loan assumptions, update times, and methods for accounting for discount points or lender credits. That makes them helpful for tracking the general direction of the market, but not for determining a buyer’s personalized rate.

Actual mortgage options depend on factors such as:

* Credit profile
* Down payment and loan amount
* Loan program
* Property type and occupancy
* Lock period
* Discount points, lender credits, and closing costs
* The market at the exact time the loan is priced

This is also why the rate alone never tells the full story. A lower rate may require more money upfront, while another option could better preserve the buyer’s cash. The loan structure, total costs, payment, and break-even point all matter.

As the property, contract terms, seller credits, closing date, or market conditions change, the financing strategy may need to change as well. That is why working with a knowledgeable loan officer throughout the entire home-buying process is so important, especially if you are in the Lafayette or Acadiana area.

Use online rates as a market guide—not as a definitive quote. If you are a buyer or advising one, bring the online number into the conversation. A good loan officer should be able to explain the difference clearly and help compare the complete options.

The internet can show you what the market looks like. Your lender should show you what it means for your specific plan.

For educational purposes only. This is not an offer or commitment to lend. Rates, terms, and program availability are subject to change and depend on individual qualifications and loan details. All loans are subject to underwriting and approval.

08/29/2026

Are buyers gaining control of the housing market?

The honest answer is: It depends on where they are shopping and which home they are considering.

Nationally, buyers have more choices. New listings recently reached their highest level since April, while pending sales fell to their lowest level in six months.

In simple terms, more homes are entering the market, but fewer buyers are committing to purchases.

That can give active buyers more time to compare properties and possibly negotiate:

• A lower purchase price
• Seller-paid closing costs
• Repairs after the inspection
• Financing incentives
• Other seller concessions

However, that national trend does not completely describe Acadiana.

The latest Acadiana report showed:

• The same number of July closings as last year
• 10% fewer pending sales
• 2.4% fewer homes available for sale
• 4.7 months of available inventory

This tells us two things.

First, buyers are being more selective. Fewer homes went under contract in July.

Second, Acadiana does not have an oversupply of homes. Local inventory is actually lower than it was last year.

A well-priced home in good condition may still receive strong interest. A home that is overpriced, needs repairs or has been listed for several weeks may provide buyers with more negotiating room.

The economy is also sending mixed signals.

The economy continued growing during the second quarter, but inflation remained above the Federal Reserve’s long-term goal. That means borrowing costs could continue moving up and down as new economic reports are released.

The next important report is the August employment report on September 4. The Federal Reserve will then meet September 15–16.

These reports may affect market confidence and financing conditions, but they cannot tell us exactly what will happen next.

The smartest strategy is not trying to predict every market change.

For buyers, it means understanding the payment, total cash needed and possible concessions for the specific home.

For sellers, it means pricing for today’s market—not what a neighboring property sold for a year ago.

National news provides the background. Local conditions and property-specific information should drive the decision.

If you are planning to buy or sell, let’s review the numbers that apply to you.

Sources: U.S. Census Bureau, Bureau of Economic Analysis, Federal Reserve, Redfin and REALTOR® Association of Acadiana.



CrossCountry Mortgage, LLC | NMLS #3029 | Branch NMLS #2511658 | Ory Comeaux, NMLS #2105892 | Licensed in LA, MS and TX | Equal Housing Opportunity Lender.

For informational and educational purposes only. This is not a commitment to lend or a guarantee of financing. Programs, terms and availability are subject to change without notice. All loans are subject to underwriting approval; not all applicants will qualify. Visit

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08/26/2026

Anybody looking for a face painter or make up artists? Caroline is now booking appointments. Act now before spots are filled! 🤣