Bernard Guste- Mortgage Loan Originator, NMLS# 79676

11/05/2026

5.0 star review received on Experience.com for Bernard R Guste by Hytham J - I had a great experience working with my loan officer throughout the home buying process. He was professional, knowledgeable, patient, and always willing to answer my questions and explain every step along the way. Buying a home can be a stressful process, but he worked hard to help us get everything across the finish line and make homeownership a reality for our family.

I truly appreciate his communication, dedication, and willingness to go the extra mile. His efforts did not go unnoticed, and I’m grateful for all the time and work he put into helping us secure our home.

I highly recommend him to anyone looking for a loan officer who genuinely cares about helping his clients. Thank you again for helping us make this happen!

Click to see all 110 reviews of Bernard R Guste, Mortgage Loan Originator

11/04/2026

Well regardless of your party affiliation on the bright side, interest rates have dropped considerably today! Government loans are down between .25% and .375%. In the low 6s. Conventional loans have shifted about .125% in the high 6s. DSCR loans lag and dont tend to move quickly but do follow over a couple weeks. Hopefully this holds!

11/02/2026

Got a reset letter on your commercial ARM? Before you sign anything, consider a loan built around your needs, not the bank's.

https://www.borrowlouisiana.com/commercial-bank-arm-resetting-try-a-30-year-dscr-loan

NMLS 79676 | NEXA Mortgage, LLC NMLS 1660690 | Equal Housing Opportunity

Is your commercial bank ARM about to reset? See how a 30 year DSCR loan can lock your rate and keep your 15 or 20 year payoff on Louisiana rentals up to 10 units.

11/01/2026

USDA isn’t just for the country!

516 Monroe Street in Old Gretna is listed at $225,000: 2 bedrooms, 1 bath, 1,138 sq ft, built in 1900. It sits in a USDA eligible area, which means a buyer who qualifies could finance it with 0% down.

If you think USDA is only for cane fields, you’re missing the boat. Literally. This house is about a mile and a half by bike to the Algiers Point ferry, which drops you at the foot of Canal Street.

It's about 4 miles by car to the National WWII Museum, roughly 10 minutes without traffic.

USDA eligibility is set by a map, not by how rural a place feels, and parts of the West Bank are still on it. Plenty of buyers who could put zero down never hear about it because everyone assumes it’s a country-only loan.

USDA household income limits for Jefferson Parish (2026):

1 to 4 people in the household: $122,800
5 to 8 people in the household: $162,100

And here’s the part that floats my boat: USDA lets the seller cover up to 6% of the price in closing costs. That’s up to $13,500 on this house, enough to cover all $11,970 of closing costs and prepaids. Zero down, zero at closing. The only checks you write are for the appraisal and inspections up front. Bring your own bike for the ferry.

Want to know if a home you love is on the USDA map, or if your household fits under the limit? Call or text me at 504-214-8402. Full loan comparison in the flyer.

See the listing: https://www.realtor.com/realestateandhomes-detail/516-Monroe-St_Gretna_LA_70053_M80179-70921
Listed by Michael Verderosa, Historic 504 Properties.

Bernard Guste, Mortgage Loan Originator, NMLS 79676
NEXA Mortgage, LLC, NMLS 1660690. Equal Housing Opportunity.

10/16/2026

Louisiana agents, open house this weekend? Here's a free flyer that shows buyers estimated monthly payments for VA, USDA (when the property shows as eligible), FHA and conventional, with taxes, insurance and estimated closing costs included.

From Shreveport to Houma, buyers want the monthly number. I built one in under two minutes for an A-frame in St. Francisville. Watch how it works, then make your own:
https://www.borrowlouisiana.com/realtor-open-house-flyers?utm_source=facebook&utm_medium=social&utm_campaign=la_agent_flyer_tool

Free and in beta. All figures are estimates and subject to change.

Bernard Guste, NMLS 79676 | NEXA Mortgage, LLC, NMLS 1660690 | Equal Housing Opportunity

10/05/2026

Louisiana Realtors: your next open house flyer can be done in about a minute.

I built a free Open House Flyer Maker for agents. Paste your Zillow, Realtor.com, Redfin or Trulia link and it fills in the listing for you. Pick a financing scenario, and you get a clean, printable flyer showing up to four loan options side by side.

Speed is nice, but accuracy is the point. Every flyer includes:
• Rates I update every weekday morning
• Property taxes using that parish's millage, with homestead where it applies
• Louisiana title costs from the state rate manual, checked against over 450 real quotes
• Homeowners insurance, cash to close and APR for each option
• An automatic USDA eligibility check on the address

When a buyer at your open house asks "what would my payment be?", you'll have a real answer in their hand.

Try it free: https://www.borrowlouisiana.com/realtor-open-house-flyers

Want a quick walkthrough? I'm happy to hop on a 15-minute Zoom and show you how it works. Message me or call (504) 214-8402.

Bernard Guste | NMLS 79676 | NEXA Lending | Equal Housing Opportunity

09/03/2026

This is my 4th trip to United Wholesale Mortgage this year and the classes get better and better. Cannot say enough about their people and their sincere desire to help brokers genuinely be the best they can be. This weeks topic was Personal Brand. I had no idea it was going to get so emotional but two days of talking and thinking about yourself can have that effect. It was more like a spiritual retreat than any work event I’ve ever attended. Next week I’ll be back for an AI class. Until soon!

08/27/2026

It's Thursday Triumph time! Huge thanks to Lori for the kind words. Helping self-employed borrowers find creative paths to qualify beyond just using tax returns is exactly why I love this work. If you're self-employed and worried a "no" from one lender means "no" everywhere, send me a message.

06/05/2026

June is National Homebuyer month! Yahoo! What do you think the minimum down payment is to buy a home?

A) 20%
B) 10%
C) 5%
D) Less than 5%

Almost 39% of first time homebuyers are under the assumption 20% is required ... my industry is failing to educate it's potential clients. Most buyers can purchase with 3%–3.5% down or even 0% in certain situations. Earlier this year i helped a client do a in downtown Covington, LA with ZERO down and the seller paid all the closing costs! Buyer had less than $1200. The first step is making the call and getting educated. Call me!