Grow your roots. Build a legacy in a home of your own in Houston.
Homeownership is one of the best moves you can make to build wealth for your family. Whether you’re a first-time homebuyer or a long-time homeowner whose needs have changed, we have affordable lending options to meet your needs. Start building your legacy today with step-by-step guidance from our Houston home loan experts.
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Right@Home
Our Right@Home1 fixed-rate loan program has flexible requirements to help you achieve affordable homeownership. With reduced down payments and a new rate special, you're one step closer to making owning a home a reality.
- Reduced interest rate for the life of your loan
- Up to 100% financing for home purchases and refinances
- Reduced fees
- No mortgage insurance required
- Flexible sources for down payment and closing costs
Right@Home Emerging Communities
With Right@Home Emerging Communities2, we offer homeownership opportunities to borrowers on properties located in majority-minority communities. With a new rate special, you can feel Right@Home with mortgage financing.
- Reduced interest rate for the life of your loan
- Up to 100% financing for home purchases and refinances
- No mortgage insurance required
Cadence Plus loan program
Our Cadence Plus3 loan program can be utilized with the following first mortgage products: Right@Home, Home Possible®, and HomeReady®.
- You can get up to $10,000 in down payment and/or closing costs assistance
With assistance from our Cadence Plus loan program, owning your dream home has never been more within reach.
Conventional Max Mortgage
With Conventional Max Mortgage4, realize your dream of homeownership with this limited-time offer.
- As a first-time homebuyer, you may be eligible for a $10,000 grant on a fixed-rate mortgage for down payment and/or closing cost assistance
- Conventional fixed-rate mortgage product with up to a 97% loan-to-value ratio
1Right@Home purchase and refinance loans are subject to approval. Interest rates are subject to change without notice and are dependent on credit score. This limited time offer is only available for low- to moderate-income borrowers or properties in low- to moderate-income census tracts in Austin, TX; Baton Rouge, LA; Houston, TX; Memphis, TN; Nashville, TN; Killeen-Temple, TX. Certain conditions apply. This is not a commitment to lend or rate guarantee.
2Right@Home Emerging Communities purchase and refinance loans are subject to approval. Interest rates are subject to change without notice and are dependent on credit score. Certain conditions apply. This limited time offer is only available for majority-minority borrowers or properties in majority-minority census tracts in Austin, TX; Baton Rouge, LA; Houston, TX; Memphis, TN; Nashville, TN; Killeen-Temple, TX. This is not a commitment to lend or rate guarantee.
3Not eligible for origination with Conventional Max Loan (HomeReady® First). Not eligible for origination with Right@Home Emerging Communities. Funds must be applied to the down payment and/or closing costs. Cadence Plus second mortgage loans are subject to approval. Interest rates are subject to change without notice and are dependent on credit score. This limited time offer is only available with Right@Home, Home Possible and HomeReady products and borrowers or properties located within Austin, TX; Baton Rouge, LA; Houston, TX; Memphis, TN; Nashville, TN; Killeen-Temple, TX. Certain conditions apply. This is not a commitment to lend or rate guarantee.
4No cost homebuyer education course required. Loans apply to primary residences only. At least one borrower must be a first-time homebuyer. Eligibility requirements apply. All loans subject to approval. This limited time offer is available for applicants who currently reside in eligible majority-minority census tracts and for properties purchased in eligible areas within Atlanta, GA; Dallas, TX; Houston, TX; Memphis, TN; Tampa, FL. Interest rates are subject to change without notice and are dependent on credit score. This is not a commitment to lend or rate guarantee.
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HOPE Inside
Cadence Bank provides access to Operation HOPE-Certified Financial Counseling. Our trusted Operation HOPE advisors can help individuals and families with financial planning and homebuyer counseling.
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