We offer a variety of mortgage options, including conventional loans, FHA, VA and USDA Rural Development loans, jumbo loans, DSCR and investor loans, and refinancing solutions. As a statewide Louisiana broker, we help you find the right loan that fits your financial situation and homeownership goals.

The timeline varies depending on the loan type and complexity, but most applications are processed within 30 to 45 days. Bernard keeps you updated at every step for a smooth experience.

Absolutely! We specialize in helping first-time homebuyers understand the process, from pre-approval to closing. We can also guide you on down payment assistance programs, zero-down Rural Development loans, and first-time buyer incentives.

Getting pre-approved is simple. You provide your financial information, such as income, assets, and credit history, and we review it to give you a pre-approval letter. A solid pre-approval from a statewide Louisiana broker can strengthen your position when making an offer on a home.

Yes, we work hard to offer competitive rates based on current market conditions. Our experts will explain the difference between fixed and adjustable rates so you can make an informed choice.

Yes! We offer a secure online application process that allows you to start your mortgage journey from home, anywhere in Louisiana. Even online, you're working directly with Bernard, who is ready to answer your questions.

We combine personalized service with expert knowledge. You deal with one person, Bernard, from first call to closing, and as a broker with Nexa Lending we can place your loan with the lender whose program actually fits, rather than forcing you into one bank's box.

Yes, we provide refinancing solutions to help you reduce your monthly payment, lower your interest rate, or access equity in your home. Our experts evaluate your situation to recommend the best refinancing strategy.

Mortgage fees may include appraisal fees, origination fees, title insurance, and closing costs. We provide a detailed estimate upfront so you’ll know exactly what to expect. Our team works closely with you to ensure there are no surprises and to help you feel confident and informed throughout the process.

The first step is to reach out by phone, text, email, or our online form. Bernard will schedule a conversation, review your financial goals, and guide you through pre-approval so you can confidently start your homebuying journey, anywhere in Louisiana.

Absolutely! Our team understands that every client’s financial situation is different. Whether you’re self-employed, have non-traditional income, or are navigating past credit challenges, our mortgage lenders can guide you through options tailored to your needs. We take the time to explore every opportunity so you can achieve your homeownership goals with confidence.

Yes, every parish. Borrow Louisiana is a statewide brokerage based in New Orleans, where Bernard's office is. A lot of the work happens from our second home in Franklin, a sugar cane town of about 6,000 on Bayou Teche in St. Mary Parish. From Slidell to Shreveport and Ruston to Grand Isle, we work the small towns with the same care as the big cities, because we spend half our time in one.

About two out of three Louisianans live at an address that qualifies for a zero-down USDA Rural Development loan, and most have never been told. The only ineligible areas are the cores of New Orleans, Baton Rouge, Lafayette, Lake Charles, Shreveport, Monroe, Alexandria and Ruston. Eligibility depends on your exact address, so visit our Service Areas page to see the map and check an address in about a minute.