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New Orleans home loansNew Orleans Mortgage & Home Loans
New Orleans property, financed by people who know the quirks.
The New Orleans market — and how we finance it.
New Orleans has a housing market unlike anywhere else in the country — historic shotguns and Creole cottages, strict preservation rules in many districts, and insurance and elevation considerations that materially affect what a buyer can afford. Short-term rental regulation varies sharply by neighborhood and has real consequences for investors.
First-time buyers in the surrounding parishes, second-home and investment buyers, and self-employed borrowers in the hospitality and service economy who qualify better on bank statements than on returns.
Licensed in Louisiana. Ignite Loan Partners, NMLS #2381991. Equal Housing Opportunity.
Popular loan programs in New Orleans.
New Orleans mortgage questions.
How do insurance and elevation affect my New Orleans loan?
Significantly. Wind, flood, and homeowner's premiums here can rival the principal and interest payment, and they count in your qualifying ratios. We get real quotes early so your pre-approval reflects the actual monthly cost, not an optimistic placeholder.
Can you finance a short-term rental?
Sometimes — it depends heavily on the neighborhood's permitting rules, which vary across the city. Our DSCR program can qualify a property on its rental income where the use is permitted.
Michael Kerby
Founder & President · NMLS #1163561
A decade-plus of mortgage leadership, focused on communication and on-time closings. Serving New Orleans, Louisiana and the surrounding market.
Buying or refinancing in New Orleans?
Start a quick, no-pressure application and we'll map the right path for your New Orleans purchase or refinance.