Bayou Parish Real Estate Update March 2026: Houma, Thibodaux & More | RE: Real Estate Podcast

Is Homeownership in South Louisiana Out of Reach? | RE: Real Estate Podcast

Is Homeownership in South Louisiana Out of Reach? | RE: Real Estate Podcast   Content Type Discussion Primary Goal Listeners will identify which loan program fits their situation and take two concrete steps – pulling their credit score and contacting a HUD-approved housing counselor – toward owning in South Louisiana. Keywords south Louisiana real estate, Houma Thibodaux homebuying, FHA loan Louisiana, VA loan Louisiana, USDA rural development Louisiana, first time home buyer Louisiana, down payment myths, Louisiana Housing Corporation, affordable homeownership, Terrebonne Lafourche housing Summary Clint and Ben dismantle the three biggest myths keeping South Louisiana renters from buying a home – 20% down, perfect credit, and six months in reserves – and replace them with facts. They cover four loan on-ramps (FHA, VA, USDA, and conventional), Louisiana-specific down payment assistance, and three real-world buyer profiles showing what the numbers actually look like. The episode closes with two homework actions that take under an hour. Key Topics •  Why the 20% down payment myth persists – and what programs actually require •  Credit score minimums for FHA, VA, USDA, and conventional loans •  Reserve requirements: myth vs. reality for owner-occupied purchases •  FHA loan overview – 3.5% minimum down, flexible credit, mortgage insurance trade-offs •  VA loan benefit – zero down, no monthly PMI, reusable entitlement for veterans •  USDA rural development – zero down for Lafourche, Terrebonne, St. Mary, and Assumption •  Conventional loans – Home Ready and Home Possible at 3% down •  Louisiana Housing Corporation down payment and closing cost assistance •  Three buyer profiles: $45K renter (FHA), $60K veteran (VA), $52K teacher (conventional) •  Homework: two actions under an hour to start the path to ownership   Title Options •  Do South Louisiana Home Buyers Really Need 20% Down? | RE: Real Estate Podcast •  FHA, VA, and USDA Loans Explained for South Louisiana Buyers | RE: Real Estate Podcast •  How Much Do You Need to Buy a Home in Houma or Thibodaux? | RE: Real Estate Podcast Sound Bites “The path to ownership is closer than they think. Not by a little – by years and tens of thousands of dollars.” “PMI is a real cost. It’s also real math, not a reason to keep on renting.” “VA is a benefit the veteran earned. Not using it is leaving that benefit on the table.” “You don’t need perfect credit to get in. You need adequate credit to qualify. And those numbers are different.” “Two actions. Under an hour combined – that’s what you got for this week.” Chapters 00:00  Cold open – the belief that keeps Americans renting 00:35  Episode intro 01:29  Overview: myths, loan on-ramps, and buyer profiles 02:43  Disclaimer 03:23  Myth #1 – You need 20% down 05:02  Myth #2 – You need perfect credit 06:11  Myth #3 – You need six months in reserves 07:11  On-ramp #1 – FHA loans 09:05  On-ramp #2 – VA loans (veterans and service members) 10:32  On-ramp #3 – USDA rural development (South Louisiana) 11:45  On-ramp #4 – Conventional loans 12:57  Louisiana Housing Corporation and parish-level assistance 13:43  Buyer profile: the $45K renter (FHA + LHC assistance) 15:00  Buyer profile: the $60K veteran (VA loan) 15:59  Buyer profile: the $52K teacher (conventional) 17:13  Homework: pull your credit and book a HUD counselor 18:15  Closing and what’s next on Built to Own Resources FHA Loan Information: hud.gov/buying/loans [https://www.hud.gov/buying/loans] VA Home Loans: va.gov/housing-assistance/home-loans [https://www.va.gov/housing-assistance/home-loans/] USDA Rural Development: rd.usda.gov – Single Family Housing [https://www.rd.usda.gov/programs-services/single-family-housing-programs/single-family-housing-guaranteed-loan-program] Louisiana Housing Corporation: lhc.la.gov [https://www.lhc.la.gov/] Fannie Mae HomeReady: fanniemae.com – HomeReady [https://singlefamily.fanniemae.com/originating-underwriting/mortgage-products/homeready-mortgage] Freddie Mac Home Possible: freddiemac.com – Home Possible [https://myhome.freddiemac.com/homebuying/home-possible] HUD-Approved Housing Counselors: hud.gov – Find a Counselor [https://www.hud.gov/find_a_hud_approved_housing_counselor] AnnualCreditReport.com: annualcreditreport.com [https://www.annualcreditreport.com]   Show Links Website: rerealestatepodcast.com [https://rerealestatepodcast.com] YouTube: youtube.com/@REREALESTATEPODCAST [https://www.youtube.com/@REREALESTATEPODCAST] Facebook: facebook.com/rerealestatepodcast [https://www.facebook.com/rerealestatepodcast] Instagram: instagram.com/rerealestatepodcast [https://www.instagram.com/rerealestatepodcast/] TikTok: tiktok.com/@rerealestatepodcast [https://www.tiktok.com/@rerealestatepodcast] Find every episode at rerealestatepodcast.com – subscribe wherever you get your podcasts.   Hosts Ben Harang REALTOR® | Keller Williams Realty Bayou Partners La. License #: 36589 Mobile: 985.859.2500 | Office: 985.262.4400 ben@benharang.com | benharang.com   Clint C. Galliano REALTOR® | Keller Williams Realty Bayou Partners La. License #: 995704723 Mobile: 985.647.4479 | SMS Hotline: (985) 200-5447 Office: 985.262.4400 clint.galliano@kw.com | SoLahomegroup.com   Produced by: Clint Galliano | Music by: Wiggins Studios Click here to view the episode transcript. [https://share.transistor.fm/s/9c84fc8a/transcript] Click here... [https://www.youtube.com/watch?v=DBCyCLizUq4]

South Louisiana Water Rights: Does Your Deed Say What You Think It Does? | RE: Real Estate Podcast

South Louisiana Water Rights: Does Your Deed Say What You Think It Does? | RE: Real Estate Podcast   Primary Goal Understand how the navigable vs. non-navigable distinction controls your waterfront property rights in South Louisiana – and know what to verify before you buy or build.   Keywords / Tags south louisiana water rights, louisiana waterfront property, navigable water louisiana, bayou frontage property rights, bayou lafourche real estate, batture louisiana, coastal erosion property loss, waterfront property south louisiana, louisiana surveyor waterfront, built to own podcast   Episode Description Are you sure your deed says what you think it does? In South Louisiana, waterfront property rights depend on a single legal classification – navigable vs. non-navigable – and most buyers never ask the question.   In this episode, Clint and Ben break down the invisible legal lines that separate private ownership from state ownership on Louisiana's bayous, rivers, and coast. They cover batture, accretion, dereliction, and coastal erosion – and explain exactly what buyers and current owners should verify before closing or building.   🎙️ RE: Real Estate Podcast is available on YouTube & wherever you get your podcasts. Website: rerealestatepodcast.com [https://rerealestatepodcast.com]   Chapters ●        00:00 Cold open – two pieces of bayou frontage, two different sets of rights ●        00:37 Welcome & series overview – Act 1 finale of Built to Own ●        04:19 Disclaimer: consult a licensed surveyor and Louisiana real estate attorney ●        05:36 Navigable vs. non-navigable – the classification that controls everything ●        06:37 State owns the water bottom – what waterfront ownership really means ●        08:21 Local context: Bayou Lafourche and the Percy Brown Bridge ●        09:30 Real deal: Leeville sale with submerged water bottom rights ●        11:30 Batture – the strip between the high water mark and the levee ●        13:01 Accretion and dereliction – when property lines grow or recede ●        15:01 Erosion: the daily reality of coastal Louisiana land loss ●        18:13 Homework: get a current survey; what buyers must do before closing ●        20:46 Act 1 wrap-up & Act 2 preview – ownership on-ramps   Sound Bites ●        "Two pieces of bayou frontage that look identical from the air can have completely different legal rights." ●        "If the water is navigable, the bed beneath the water generally belongs to the state, not to you." ●        "My property goes to the water doesn't mean what most people think it means." ●        "A current survey from a licensed Louisiana surveyor is one of the most leverage-producing documents you can own." ●        "Do not close without two things: a current survey paid for by the buyer, and a conversation with a Louisiana real estate attorney."   Resources ●        Louisiana Civil Code – Ownership of Riverbeds & Water Rights: legis.la.gov [https://www.legis.la.gov/legis/Law.aspx?d=109264] ●        Louisiana Dept. of Natural Resources – Coastal Management: coastal.la.gov [https://www.coastal.la.gov] ●        LA Board of Registration for Professional Land Surveyors: lsbpels.louisiana.gov [https://www.lsbpels.louisiana.gov] ●        U.S. Army Corps of Engineers – New Orleans District: mvn.usace.army.mil [https://www.mvn.usace.army.mil]   Hashtags #RERealEstatePodcast #SouthLouisianaRealEstate #WaterRights #LouisianaRealEstate #WaterfrontProperty #RealEstatePodcast #BuiltToOwn #BayouLafourche #CoastalLouisiana #KellerWilliams   About the Hosts Clint Galliano & Ben Harang are REALTORS® with Keller Williams Realty Bayou Partners, serving the Houma–Thibodaux area of South Louisiana.   Production Produced by RE: Real Estate Podcast · Hosted by Clint Galliano & Ben Harang · Keller Williams Realty Bayou Partners Click here to view the episode transcript. [https://share.transistor.fm/s/587cf745/transcript] Click here to watch a video of this episode. [https://www.youtube.com/watch?v=QisfBOhgRtQ]

Buyers Didn't Leave – Sellers Did: South Louisiana May 2026 Market Update | RE: Real Estate Podcast

Buyers Didn’t Leave – Sellers Did: South Louisiana May 2026 Market Update | RE: Real Estate Podcast   Content Type Discussion Primary Goal Understand whether May 2026’s South Louisiana market favors buyers or sellers – and know what that means for your next move. Keywords south louisiana real estate, houma thibodaux housing market, lafourche parish homes for sale, terrebonne parish real estate, bayou board MLS, may 2026 market update, seller's market south louisiana, home inventory 2026, thibodaux real estate, houma home prices Summary New listings in South Louisiana dropped nearly 26% in May 2026 – but buyers didn’t go anywhere. Closings were up 23%, months of supply slid to 6.0, and prices firmed month over month. Clint and Ben break down the Bayou Board numbers and compare Lafourche and Terrebonne parishes side by side. Key Topics •  May 2026 Bayou Board MLS: new listings down 26%, closings up 23% •  Months of supply drops from 8.1 to 6.0 – what the balance threshold means •  Median sales price up 3.1% for the month to $220,500 •  Lafourche Parish: tighter, pricier, driven by the Thibodaux market •  Terrebonne Parish: fastest-tightening market in the region – supply down 30.8% •  Days on market: why the board’s 112-day average and RPR’s median tell different stories •  What this market means for buyers, sellers, and owners watching their equity •  Homework: check your block’s supply-demand ratio – not the headlines   Title Options •  Is South Louisiana Shifting to a Seller’s Market? May 2026 Data | RE: Real Estate Podcast •  Lafourche vs. Terrebonne: Who’s Tightening Fastest in May 2026? | RE: Real Estate Podcast •  South Louisiana May 2026: Fewer Listings, More Sales, Firmer Prices | RE: Real Estate Podcast Sound Bites “Sellers put a quarter fewer homes on the market. Closings are up 23%. Buyers didn’t leave. Homes just got harder to find.” “Six months of supply is the textbook balance line – and we slid right down to it from a much softer eight months a year ago.” “Hesitation will cost more in a tightening market – by the time you decide you want to make a move, that home is probably already under contract.” “Sellers are giving up under four cents on the dollar.” “One month is a snapshot, not a trend.” Chapters 00:00  Cold open – fewer listings, more closings 01:05  Welcome & episode overview 02:21  Three takeaways: supply squeeze, strong demand, diverging parishes 03:17  Bayou Board supply numbers – listings & inventory down 04:13  Months of supply hits 6.0 – the balance threshold 05:27  Pending & closed sales up double digits 06:00  Median sales price & affordability index 08:21  Lafourche Parish deep dive 10:16  Terrebonne Parish deep dive – fastest tightening 12:00  Days on market: board vs. RPR – why the numbers differ 12:55  What it means for buyers, sellers & owners 14:53  Homework: measure your block’s supply-demand ratio 15:32  Recap & closing Resources Bayou Board of Realtors: bayouboard.com [https://www.bayouboard.com] Bayou Board May 2026 Market Report: View Report (Google Drive) [https://drive.google.com/file/d/126rH0nxh3VZLVBDTwx3Ft5oz630DqDvb/view?usp=sharing] Lafourche Parish Market Trends – May 2026: View Report (Google Drive) [https://drive.google.com/file/d/1uwmSyCziueOlMFi78lWnUf-_2aSAYJRo/view?usp=sharing] Terrebonne Parish Market Trends – May 2026: View Report (Google Drive) [https://drive.google.com/file/d/1Z-zog0Z5H-NDrHye5wk9wrHNmsOrIerN/view?usp=sharing] Louisiana Realtors: larealtors.org [https://www.larealtors.org] RPR – Realtors Property Resource: narrpr.com [https://narrpr.com]   Show Links Website: rerealestatepodcast.com [https://rerealestatepodcast.com] YouTube: youtube.com/@REREALESTATEPODCAST [https://www.youtube.com/@REREALESTATEPODCAST] Facebook: facebook.com/rerealestatepodcast [https://www.facebook.com/rerealestatepodcast] Instagram: instagram.com/rerealestatepodcast [https://www.instagram.com/rerealestatepodcast/] TikTok: tiktok.com/@rerealestatepodcast [https://www.tiktok.com/@rerealestatepodcast] Find every episode at rerealestatepodcast.com – subscribe wherever you get your podcasts.   Hosts Ben Harang REALTOR® | Keller Williams Realty Bayou Partners La. License #: 36589 Mobile: 985.859.2500 | Office: 985.262.4400 ben@benharang.com | benharang.com   Clint C. Galliano REALTOR® | Keller Williams Realty Bayou Partners La. License #: 995704723 Mobile: 985.647.4479 | SMS Hotline: (985) 200-5447 Office: 985.262.4400 clint.galliano@kw.com | SoLahomegroup.com   Produced by: Clint Galliano | Music by: Wiggins Studios Click here to view the episode transcript. [https://share.transistor.fm/s/1f24cd59/transcript] Click here to watch a video of this episode. [https://www.youtube.com/watch?v=7DppktPmj7g]

Mineral Rights in South Louisiana: Does the 10-Year Rule Apply to You? | RE: Real Estate Podcast

Mineral Rights in South Louisiana: Does the 10-Year Rule Apply to You? | RE: Real Estate Podcast   Content Type Discussion Primary Goal Know whether you own the minerals beneath your land, recognize when the 10-year prescription rule applies, and ask the right questions before buying or inheriting property in South Louisiana. Keywords mineral rights Louisiana, South Louisiana land, mineral servitude prescription, oil and gas royalties Louisiana, Houma Thibodaux real estate, buying land Louisiana, generational wealth Louisiana, Built to Own podcast Summary In Louisiana, buying land doesn’t always mean buying what’s beneath it. This Built to Own episode unpacks mineral rights – the 10-year prescription rule that quietly returns or erases mineral wealth, the three types of mineral interests every landowner should recognize, and the exact questions to ask before you sign or inherit. Clint draws on nearly 30 years in oil and gas to make it practical for South Louisiana families. Key Topics •  Surface estate vs. mineral estate – why your deed may not include the minerals •  How mineral rights separate from the surface and stay that way for generations •  The 10-year mineral servitude prescription rule (Louisiana Mineral Code, Title 31) •  Royalty interest, working interest, and overriding royalty interest in plain English •  Family A vs. Family B: same 40-acre tract, $200K–$400K different generational outcome •  Homework: questions to ask a seller, title company, and landman before closing   Title Options •  Louisiana Mineral Rights: The 10-Year Rule South LA Buyers Miss | RE: Real Estate Podcast •  Mineral Rights vs Surface Rights in South Louisiana Explained | RE: Real Estate Podcast •  Do You Own What’s Beneath Your Louisiana Land? | RE: Real Estate Podcast Sound Bites “The family that kept the mineral rights built generational wealth. The family that didn’t even know mineral rights existed got a one-time payment while royalties flowed somewhere else for the next 30 years.” “If you’re buying or inheriting land in this region and you’re not asking about minerals, you’re potentially leaving generational wealth on the table.” “The minerals may have already reverted to you. You may already own them and not know it.” “Mineral rights are the kind of thing that gets handed down accidentally, not intentionally. The easiest fix is for one person in the family to know to ask.” Chapters 00:00  Built To Own cold open 01:19  Welcome & why mineral rights matter in South Louisiana 04:31  Surface estate vs. mineral estate 07:49  How mineral rights separate from the surface 10:09  The 10-year mineral servitude prescription rule 12:16  Royalty, working, and overriding royalty interests 16:07  Family A vs. Family B – a 40-acre example 18:13  When minerals prescribe and revert to the surface owner 19:36  Homework: what to do before you buy or if you already own land 21:31  Wrap-up & subscribe Resources Louisiana Mineral Code, Title 31: legis.la.gov – Title 31 [https://legis.la.gov/legis/TitleSearch.aspx?titleno=31] Louisiana State Bar Association – Find an Oil & Gas Attorney: lsba.org [https://www.lsba.org/public/LRS.aspx] Louisiana Office of Conservation (DNR): dnr.louisiana.gov [https://www.dnr.louisiana.gov/index.cfm/page/5]   Show Links Website: rerealestatepodcast.com [https://rerealestatepodcast.com] YouTube: youtube.com/@REREALESTATEPODCAST [https://www.youtube.com/@REREALESTATEPODCAST] Facebook: facebook.com/rerealestatepodcast [https://www.facebook.com/rerealestatepodcast] Instagram: instagram.com/rerealestatepodcast [https://www.instagram.com/rerealestatepodcast/] TikTok: tiktok.com/@rerealestatepodcast [https://www.tiktok.com/@rerealestatepodcast] Find every episode at rerealestatepodcast.com – subscribe wherever you get your podcasts.   Hosts Ben Harang REALTOR® | Keller Williams Realty Bayou Partners La. License #: 36589 Mobile: 985.859.2500 | Office: 985.262.4400 ben@benharang.com | benharang.com   Clint C. Galliano REALTOR® | Keller Williams Realty Bayou Partners La. License #: 995704723 Mobile: 985.647.4479 | SMS Hotline: (985) 200-5447 Office: 985.262.4400 clint.galliano@kw.com | SoLahomegroup.com   Produced by: Clint Galliano | Music by: Wiggins Studios Click here to view the episode transcript. [https://share.transistor.fm/s/d3525952/transcript] Click here to watch a video of this episode. [https://www.youtube.com/watch?v=rx897WhFyJE]

How Does Civil Law Affect South Louisiana Property Owners? | RE: Real Estate Podcast

How Does Civil Law Affect South Louisiana Property Owners? | RE: Real Estate Podcast   Content Type Discussion Primary Goal Understand the five ways Louisiana's civil law differs from common law so you can identify where your estate plan, property ownership, or financial advice may need Louisiana-specific review. Keywords Louisiana civil law, forced heirship Louisiana, community property Louisiana, usufruct Louisiana, predial servitudes, Louisiana succession law, South Louisiana property rights, Houma Thibodaux estate planning, Louisiana inheritance law, built to own series, Louisiana real estate law Summary Louisiana is the only US state that runs on civil law – a 200-year-old legal tradition rooted in France, not England – and that single difference shapes how married couples own property, how estates are divided, and whether national financial advice applies here at all. In this episode of the Built to Own series, Clint Galliano and Ben Harang break down five practical civil law concepts every South Louisiana property owner should know: community property, forced heirship, usufruct, predial servitudes, and prescription. They walk through a side-by-side case study showing how the same family’s assets play out very differently in Texas versus Louisiana, and close with actionable homework to help you find out where you actually stand. Key Topics •  Why Louisiana is the only US state built on civil law, not common law •  Community property: how marriage affects ownership of everything you buy in South Louisiana •  Forced heirship: Louisiana’s limit on disinheriting your children and what the légitime means •  Usufruct: surviving spouse rights and the competing interests it creates in blended families •  Predial servitudes vs. easements and why you need a Louisiana-licensed title company at closing •  Prescription: how time silently creates or destroys property rights •  Texas vs. Louisiana case study – same family, same assets, materially different outcomes •  Why advice from national TV finance personalities may be flat wrong in Louisiana •  Homework: how to verify your matrimonial regime and review your estate plan   Sound Bites “If you’ve ever taken financial advice from somebody in another state, you’ve probably been told things that are flat wrong in Louisiana.” “Same family, same dollars, different state, different outcome.” “Whether you have a will or you don’t, you have a will – it’s your wishes or the state’s wishes.” “This is the issue that destroys more Louisiana families than any other.” “A will drafted in another state that disinherits a child may be partially invalid here – and the family doesn’t find out until the parent has died.” Chapters 00:00  Cold open – Louisiana’s civil law difference 00:45  Welcome & Built to Own series recap 01:45  Today’s topic: five civil law differences 02:30  Legal disclaimer 03:45  Why Louisiana runs on civil law: history & the Napoleonic Code 06:00  Difference #1 – Community property 08:30  Difference #2 – Forced heirship 10:30  Difference #3 – Usufruct 13:00  Difference #4 – Predial servitudes 16:00  Difference #5 – Prescription & mineral rights preview 18:00  Texas vs. Louisiana case study 22:00  Wrap-up & next week: mineral rights 24:00  Homework Resources Louisiana Civil Code: legis.la.gov – Louisiana Civil Code [https://legis.la.gov/legis/Law.aspx?d=67763] Louisiana State Bar – Find an Attorney: lsba.org – Find a Louisiana Attorney [https://www.lsba.org/public/FindAnAttorney.aspx] Louisiana Successions Overview: sos.la.gov – Louisiana Succession Law [https://www.sos.la.gov/HistoricalResources/PublishDocuments/LouisianaSuccessionLaw.pdf]   Show Links Website: rerealestatepodcast.com [https://rerealestatepodcast.com] YouTube: youtube.com/@REREALESTATEPODCAST [https://www.youtube.com/@REREALESTATEPODCAST] Facebook: facebook.com/rerealestatepodcast [https://www.facebook.com/rerealestatepodcast] Instagram: instagram.com/rerealestatepodcast [https://www.instagram.com/rerealestatepodcast/] TikTok: tiktok.com/@rerealestatepodcast [https://www.tiktok.com/@rerealestatepodcast] Find every episode at rerealestatepodcast.com – subscribe wherever you get your podcasts.   Hosts Ben Harang REALTOR® | Keller Williams Realty Bayou Partners La. License #: 36589 Mobile: 985.859.2500 | Office: 985.262.4400 ben@benharang.com | benharang.com   Clint C. Galliano REALTOR® | Keller Williams Realty Bayou Partners La. License #: 995704723 Mobile: 985.647.4479 | SMS Hotline: (985) 200-5447 Office: 985.262.4400 clint.galliano@kw.com | SoLahomegroup.com   Produced by: Clint Galliano | Music by: Wiggins Studios Click here to view the episode transcript. [https://share.transistor.fm/s/153eabe2/transcript] Click here to watch a video of this episode. [https://www.youtube.com/watch?v=8Xh8bxW-bIY]