Our team can help you find the best rates available
Work with a loan officer right in your area.
From the pre-qualification process until you get your keys, we’re here to help.
- Simple application process
- Online account management
- Advice and guidance from our loan officers
Have questions? Connect with a loan officer.
Our team can help you every step of the way.
3 steps to get started.
- Connect with a loan officer in your area to get pre-approved.
- Start the pre-qualification process now.
- Start shopping for your new home.
Frequently Asked Questions Better understand the overall mortgage process and specific mortgage terms you may be unfamiliar with.
The portion of a borrower’s monthly payments held by the lender or servicer to pay for taxes, hazard insurance, mortgage insurance, lease payments and other items as they become due.
Loan to Value Ratio (LTV)
Divide your total loan amount by the cost or value of the property. Conventional loans with an LTV of greater than 80% and most FHA loans generally require mortgage insurance.
Truth in Lending (TIL)
Shows cost of credit at a yearly rate along with the principal and interest portion of payment and breakdown of closing costs.
Property expenses paid in advance, and usually prorated at the time of closing to help set up your escrow account.
A privately owned section of the secondary mortgage market. It adds liquidity to the mortgage market by investing in home loans throughout the country. Specific guidelines must be met on a loan for us to sell it to Fannie Mae.
A fee paid to a lender for processing a loan application that is a percentage of the mortgage amount.
A point (1% of the loan amount) paid to the lender at closing to permanently buy down or lower the interest rate. It is usually a percentage of the loan amount and can sometimes be paid by the buyer or seller.
Other mortgage options to consider.
Conventional Mortgage LoanOffering typically lower interest, conventional loans meet most homebuyers’ needs. Loans exceeding 80% of value will require private mortgage insurance.
Right@HomeDesigned to help you achieve home ownership with no mortgage insurance and lower down payment options.
Portfolio LoansCadence Bank offers a variety of portfolio products with financing up to 100% of the purchase price and no mortgage insurance.
Rural Housing LoansA mortgage option designed for low- and moderate-income rural residents.
VA LoansLower rates and up to 100% financing for veterans, active duty service members and members of the National Guard or Reserve.
Mortgages for Medical ProfessionalsMortgage options for physicians.
Construction to Permanent and Renovation to Permanent LoansRenovate or build a home and obtain a permanent mortgage with one easy-to-manage loan.
All loans and lines of credit are subject to credit approval. Certain conditions may apply.