Inventory in Bossier City sits at 2.3 months—tight, but not impossible. Entry-level homes ($150k–$200k) in Pines Village or Meadowview sell within 11 days, while mid-range new construction in Gray Moss Farms lingers closer to 25 days, giving buyers room to negotiate closing costs. Median list-to-sale ratio is 98.7%, so lowball offers rarely win.

• Fixed-rate 30-year mortgages account for 82% of NMHL Bossier locks this quarter.
• VA purchase volume is up 34% year-over-year thanks to Barksdale PCS season.
• Investor share is small—only 9% of sales—so owner-occupants face less bidding-war pressure.

Property taxes run 0.52% of assessed value, one of the lowest rates in Louisiana. A $195,000 home with homestead exemption owes roughly $812 per year, or $68 monthly—easy to fold into escrow.

East Bank District: Walkable to the Boardwalk casinos, condos from $185k. FHA-approved buildings are limited; NMHL keeps an updated list so pre-approval matches eligible complexes.

North Bossier (Benton Road corridor): Top-rated schools, 3-car-garage brick homes around $235k. USDA eligible north of I-220—zero down plus seller can pay 6% closing costs.

Old Brownlee: Established 1960s ranches, $150k–$175k. Great for 203k renovation loans; NMHL’s in-house draw team funds contractors within 48 hours.

Shady Grove / Swan Lake: Quiet subdivisions near Betty Virginia Park, $200k–$250k. Property taxes dip slightly thanks to lower millage—$52 per $100k versus $58 city-wide.

Louisiana follows standard federal limits. In Bossier City’s Caddo Parish:

• FHA single-family: $498,257
• VA full entitlement: No cap on purchase price with 100% financing (debt-ratio still applies)
• Conventional conforming: $766,550
• USDA: Income cap $103,500 for 1-4-person household; property must be outside dense core—check NMHL’s eligibility map.

Surprisingly, these limits let buyers shop the entire parish without hitting jumbo territory. That keeps rates low and documentation simple.

Louisiana Housing Corporation (LHC) funds stack with NMHL loans:

Market Rate GNMA: 3.5% of loan amount as a 10-year forgivable second mortgage. Combine with FHA 3.5% down = almost nothing out of pocket.

Resilience Soft Second: Up to $55k at 2% interest, payments deferred until resale or refinance—designed for flood-safe homes, perfect for Bossier City’s newer developments.

Caddo Parish CHDO Grant: $5,000 toward down payment on homes in select census tracts including parts of River Bend and Meadowview. Must be first-time buyer under 80% AMI.

NMHL auto-checks every client for overlapping grants—most borrowers qualify for at least one layer, saving $6,000–$12,000 upfront.

Local credit-union turndowns don’t mean game-over. NMHL’s Louisiana Second-Chance programs include:

• FHA 580-619: 3.5% down, rate only 0.25% above standard
• VA 560-579: zero down, manual underwrite, 12-month rental history required
• Non-prime 500-579: 10% down, 24-month bank statements accepted instead of tax returns
• USDA 640 streamlined: $0 down plus financed guarantee fee

Recent NMHL closings: a Barksdale staff-sergeant closed at 572 mid-score with $500 out-of-pocket, and a self-employed welder at 583 used 12 months of bank statements to buy in North Bossier for $0 down with USDA.

Whether you own food trucks on Barksdale Boulevard or consult for Haynesville Shale drillers, write-offs kill loan size. NMHL’s 12- or 24-month bank-statement program counts gross deposits instead of taxable income:

Qualifying math: Total deposits ÷ 24 × 50% expense factor = monthly income. Credit scores 620+ need 10% down; 10% gift allowed. No tax transcripts, no CPA letter.

Recent borrower averaged $9,400 monthly deposits, qualified for $385k purchase—enough for a new build in Gray Moss with 3-car garage and media room.

Combine with seller-paid closing costs up to 6% and you keep cash in your business, not your drywall.