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Mortgage Loans

First NBC Bank is dedicated to helping our customers cut through the red tape of home financing by offering an array of mortgage products to help you finance your home.

Mortgage Financing Options

Whether you are purchasing your dream home or refinancing your current home, First NBC Bank has a product that is right for you.


Fixed rate loans provide you with a fixed interest rate and will have the same principal and interest payment over the loan term.

Adjustable Rate Mortgage (ARM)

An Adjustable Rate Mortgage is a mortgage loan subject to changes in interest rates. Usually this type of loan has a start rate that initially provides a lower monthly payment for a specified period of time.  After the initial rate period ends, the rate adjusts to a fully indexed rate, which in most cases will increase your monthly payments.  However, ARM loans are typically subject to a “cap” which limits the maximum amount in which your rate can rise.

Government Loans

  • FHA
  • VA
  • Rural Development

Jumbo Loans

  • Loan amounts in excess of conventional conforming limits.

Affordable Home Loan Programs

  • Bond Loans
  • Section 8 Home Ownership
  • Down payment and closing cost assistance programs
  • Soft-second Subsidy Programs

Special Programs

  • Jumbo/Combo Loans


It may be a good time to consider refinancing your home.  Refinancing your home at a lower rate may allow you to:

  • Reduce your current mortgage payment
  • Consolidate other debt into one monthly payment
  • Possibly save on interest over the life of the loan

Construction Loans

Similar to a line of credit, a construction loan is used to finance residential projects, such as new construction. You draw funds as needed to pay contractors and suppliers.  When the project is completed, the loan is paid-off with proceeds from permanent financing.

Contact a Mortgage Professional

Contact Phone Area Parish Office Location
Marc Gervais
NMLS# 88835
(504) 671-3435 Southshore Jefferson Parish Elmwood
Bernadette Leashay Jelks
NMLS# 430776
(504) 671-3452 Southshore Orleans Parish Carondelet
Pamela Renee Breland
NMLS# 684721
(985) 768-4567 Northshore St. Tammany Parish E. Gause
Brad Bordelon
NMLS# 746449
(504) 262-2239 Southshore Orleans Parish Mid-City
Allison Byrd
NMLS# 624509
(504) 252-4363 Southshore Jefferson Parish Cleary

Daniel J. Zoble
NMLS# 486736

(504) 262-2246


St. Tammany


Marlyn Dyer Waggy, Jr. NMLS# 689856

(850) 634 -2127



Crestview Central

Dale E. Rice, Jr. NMLS# 689855

(850) 634 -2126



Crestview Central

Rachel Kane
NMLS# 601409

(985) 819-1501


St. Tammany


Christy Hebert Wright

NMLS# 466127

(985) 819-1336 Northshore Tangipahoa Parish SW Railroad