Argent Lending LLC | Company NMLS #2342251
(985) 290-8038
PF
Paxton Fellers Mortgage Broker • Argent Lending
Luxury Southern Home
Independent Wholesale Mortgage Broker • Greater New Orleans & Northshore

The Right Mortgage for Your Next Chapter.

Welcome to paxtonfellers.com. As Senior Vice President & Mortgage Broker at Argent Lending, I shop dozens of top wholesale lenders to secure you lower interest rates, flexible loan terms, and a seamless closing.

5.0 ★ Rating Verified Google Reviews
0% Down VA & USDA Programs
Wholesale Lower Bank Margins
Interactive Mortgage Calculator Request Pre-Approval
Paxton Fellers Portrait

Paxton Fellers

Senior Vice President

Argent Lending • NMLS #707708

★★★★★ (15+ Google Reviews)

"Whether you're purchasing your first starter home, refinancing, or building in St. Tammany Parish, my pledge is direct communication, honest numbers, and closing on time."

Direct Cell: (985) 290-8038
Office Location: 800 N Causeway Blvd, Mandeville
Email: paxton@argentlending.net
Explore 10+ Loan Programs ↓
5.0 / 5.0
Google Business Rating
100+ Lenders
Wholesale Pricing Network
LA • MS • AL
Tri-State Lending License
14-21 Days
Average Clear-to-Close Speed
Instant Financial Planning

Interactive Mortgage Payment Calculator

Adjust home price, down payment, interest rate, and local Southeast Louisiana property taxes and insurance to preview your exact monthly payment breakdown.

Loan Parameters

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$100,000 $750,000 $1,500,000+
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%
Quick Presets:
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Taxes, Insurance & Escrow Settings (Adjustable for Louisiana Parish Rates)

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$317 / mo
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$200 / mo
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If applicable
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Estimated Total Monthly Payment
$2,612 / month

Based on $340,000 loan at 6.25% fixed for 30 years

Principal & Interest
$2,095
Property Taxes
$317
Homeowners Insurance
$200
Mortgage Insurance (PMI)
$0
HOA Dues
$0
Total Loan Amount: $340,000
Total Interest Paid: $414,244
Total Overall Payments: $754,244
Wholesale Lending Portfolio

Mortgage Loan Programs & Guidelines

As an independent broker at Argent Lending, I provide direct access to every major government and wholesale residential loan product. Review each program below to find your best fit.

Conforming & Non-Government Min. 3% - 5% Down

Conventional Mortgage

The benchmark home financing option for primary homes, second homes, and investment properties. Available in 15, 20, and 30-year fixed-rate terms and adjustable-rate mortgages (ARMs).

  • Ideal For: Borrowers with credit scores of 620+
  • PMI Cancellation: Mortgage insurance drops once 20% equity is achieved
  • Flexibility: No upfront mortgage insurance fee
Government-Backed Min. 3.5% Down

FHA Home Loans

Insured by the Federal Housing Administration, FHA loans offer approachable qualifying requirements, making homeownership accessible for first-time buyers and those with less-than-perfect credit.

  • Credit Score: As low as 580 with 3.5% down (500-579 with 10% down)
  • Down Payment Assistance: 100% of down payment can be family gift funds
  • Higher Debt Ratios: Accommodates higher debt-to-income (DTI)
Veterans & Military 0% Down Payment

VA Home Loans

Guaranteed by the Department of Veterans Affairs, this is one of the most powerful financial benefits available for active duty military, veterans, and qualifying surviving spouses.

  • 100% Financing: Zero down payment required
  • No Monthly PMI: Zero ongoing private mortgage insurance
  • Lowest Rates: Historically the most competitive interest rates in mortgage
Rural Development 0% Down Payment

USDA Rural Development

The USDA single-family guaranteed loan helps low-to-moderate-income families buy homes in eligible suburban and rural areas across Southeast Louisiana with no money down.

  • No Down Payment: 100% financing for eligible property addresses
  • Local Availability: Covers many Northshore & Tangipahoa suburban pockets
  • Low Fees: Lower monthly guarantee fees than standard FHA mortgage insurance
High-Balance / Luxury Loans Above Conforming Limits

Jumbo Mortgages

Designed for luxury and high-value properties in premier Northshore and New Orleans communities (e.g. Beau Chene, The Sanctuary, Money Hill, English Turn, Lakefront) that exceed standard conforming limits.

  • Loan Amounts: $766,550 up to $3M+ with aggressive wholesale rates
  • Options: Fixed-rate or custom ARM structures
  • Down Payment: Competitive options starting at 10% to 20% down
Self-Employed Solution No Tax Returns Needed

Bank Statement Loans

Custom-built for small business owners, contractors, real estate investors, and entrepreneurs whose tax write-offs reduce their net taxable income below typical W-2 underwriting standards.

  • Simple Documentation: Qualify using 12 or 24 months of bank deposits
  • No W-2 Required: Personal or business accounts accepted
  • High Limits: Financing up to $3M+ for luxury homes & investments
First-Time Buyers Low Down Payment + DPA

First-Time Buyer Programs

Comprehensive guidance and specialized loan products (HomeReady, Home Possible, and DPA grants) structured specifically to help first-time buyers transition from renting to owning with confidence.

  • Down Payment: As low as 3% conventional or 3.5% FHA
  • Reduced PMI: Discounted mortgage insurance rates for qualifying incomes
  • Step-by-Step Coaching: Direct 1-on-1 walkthrough of the 4-step loan process
Refinance & Equity Lower Payments or Cash-Out

Rate & Cash-Out Refinancing

Restructure your existing mortgage to secure a lower interest rate, switch from an adjustable to a fixed rate, remove PMI, or tap accumulated home equity for home upgrades or high-interest debt consolidation.

  • Cash-Out Access: Tap up to 80% of your home's appraised value
  • Term Shortening: Move from 30 to 15 years to save tens of thousands in interest
  • Debt Consolidation: Pay off credit cards or personal loans at low mortgage rates
Age 62+ Seniors No Monthly Mortgage Payment

Reverse Mortgage (HECM)

An FHA-insured financial tool designed for homeowners age 62 and older, enabling you to convert home equity into tax-free cash flow, credit line, or lump sum without required monthly mortgage payments.

  • Stay in Your Home: Maintain title and ownership throughout retirement
  • No Monthly Principal/Interest: Borrower remains responsible for taxes & insurance
  • Flexible Payouts: Choose monthly disbursements, line of credit, or lump sum
Second Mortgage Keep Your Low First Rate

HELOC & Second Mortgages

If you have an existing 2% or 3% pandemic mortgage rate, don't refinance it! A Home Equity Line of Credit (HELOC) or fixed second mortgage lets you tap equity without touching your low primary loan.

  • Revolving Line of Credit: Draw and repay funds as needed
  • Interest-Only Periods: Low monthly payments during the initial draw period
  • Ideal For: Major home renovations, college tuition, or emergency reserves
Google Business Verified Profile

Client Reviews & Community Reputation

Real feedback from home buyers and homeowners across Mandeville, Slidell, Covington, and Southeast Louisiana.

5.0
★★★★★
15+ Reviews
Argent Lending LLC
800 N Causeway Blvd, Mandeville, LA
100% 5-Star Recommendation Rate
Delighted Homeowners at Closing
Mark & Sarah T. • Mandeville, LA Homeowners
★★★★★
• Verified Google Review
"Paxton at Argent Lending was fantastic to work with throughout our home-buying process. He answered every question, navigated a tight closing timeline, and found us an unbeatable rate. Couldn't have done it without him!"
Sarah & Mark T.
Mandeville, LA • Conventional Purchase
July 2026
★★★★★
March 2026

"I cannot thank Argent Lending enough for making this home a reality for us! Paxton walked us through every single option as first-time buyers and kept us calm and informed from pre-approval to closing day."

Brandon M.
Slidell, LA • First-Time Homebuyer
★★★★★
March 2026

"They gave me advice on what was best for my financial situation. As a self-employed business owner, getting a mortgage was intimidating until Paxton showed me their bank statement programs. Closed seamlessly."

David K.
Covington, LA • Bank Statement Loan
★★★★★
June 2024

"This is our second time utilizing Argent Lending for our home. Paxton and the team are responsive, transparent, and always have their clients' best interest at heart. The only mortgage team we trust!"

Jennifer & Chris P.
New Orleans, LA • Rate & Term Refinance
★★★★★
October 2025

"Jamie and Paxton with Argent Lending are incredible! Flawless communication, quick pre-approval turnaround, and zero surprises at the closing table. Highly recommend to anyone buying in St. Tammany."

Courtney R.
Madisonville, LA • Home Purchase
Google Business Reviews verified from real borrowers and closing attorneys • Experience the difference on your next loan →
Paxton Fellers Mortgage Broker

Paxton Fellers

Senior Vice President & Mortgage Broker

NMLS #707708 (985) 290-8038
Local Southeast Louisiana Mortgage Expert

Why Working With an Independent Mortgage Broker Gives You the Edge

When you walk into a traditional retail bank or credit union, you are offered only their specific proprietary products, strict underwriting guidelines, and retail markups.

As an independent mortgage broker with Argent Lending, I represent you—not a single bank. I maintain wholesale relationships with dozens of the nation’s top mortgage lenders, shopping the market on your behalf to locate the most competitive rate, lowest fee structure, and the exact loan program matching your financial situation.

1

Direct Wholesale Rates

Access wholesale lending pricing that bypasses massive retail branch overhead costs.

2

Local Market Experience

Deep familiarity with St. Tammany parish flood zones, homeowner insurance markets, and property values.

3

Fast 4-Step Approvals

Digital loan application with fast response, clear document checklists, and transparent milestone updates.

4

Personal Service Always

You work directly with Paxton Fellers from initial consultation to the closing table—no 1-800 call centers.

Start Your Application Today Call Paxton: (985) 290-8038
Free Consultation & Quick Pre-Approval

Get Your Custom Rate Quote & Loan Estimate

Complete this quick form to receive personalized rate quotes and loan options from Paxton Fellers. No hassle, no obligation, and no hard credit pull.

1 Loan & Property Information

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2 Your Contact Details

Zero obligation • No hard credit inquiry • 100% Secure & Confidential
Paxton Fellers • Direct: (985) 290-8038
Call (985) 290-8038 Get Pre-Approved