Contact a Mortgage Professional
Whether you are buying a new home, refinancing your existing home, consolidating debts or cashing out your equity, Cadence Bank has a mortgage product for you. Cadence Bank's Mortgage Banking Department is a full-service mortgage lender that offers the most current and state-of-the-art products with competitive rates.
For more information about how we can assist you with your mortgage financing needs, click on the link below for the mortgage professional nearest to you.
Equal Housing Lender.
Alabama
Birmingham
Gadsden
Huntsville
Montgomery
Tuscaloosa
Florida
Bradenton
Blountstown
Tallahassee
Tampa
Mississippi
Columbus
Starkville
Tennessee
Brentwood
Franklin
Germantown
Memphis
Alabama
Birmingham
Jeff Kaufman
jeff.kaufman@cadencebank.com
(205) 949-4770
NMLS#
Fred Lindsey
fred.lindsey@cadencebank.com
(205) 949-4819
NMLS# 659183
Rochelle Coleman
rochelle.coleman@cadencebank.com
(205) 560-2271
The Grove Office
5532 Grove Blvd.
NMLS# 470455
Charles Felgner
charles.felgner@cadencebank.com
(205) 327-3850
Birmingham Main Office
17 North 20th Street, Suite 100
NMLS #659182
Lisa Daniel
lisa.daniel@cadencebank.com
(205) 949-5818
NMLS# 775233
Renee Ambrose
renee.ambrose@cadencebank.com
(205) 980-4904
Greystone Office
420 Old Highway 280
NMLS# 264887
Donna Davis
donna.davis@cadencebank.com
(205) 980-4580
Trussville Office
1950 Edwards Lake Road
NMLS # 542645
Gadsden
Cliff Daugherty
cliff.daugherty@cadencebank.com
(205) 256-413-7400
Gadsden Office
701 Forrest Avenue
NMLS#
Huntsville
Teresa Hagood
teresa.hagood@cadencebank.com
(256) 532-2660
Huntsville Office
300 Clinton Ave West
NMLS# 245180
Sam Moss
sam.moss@cadencebank.com
(256) 532-2692
Huntsville Office
300 Clinton Ave West
NMLS#
Chris Ledsinger
chris.ledsinger@cadencebank.com
(256) 532-2664
Huntsville Office
300 Clinton Ave West
NMLS# 775071
Montgomery
Chris Nolan
chris.nolan@cadencebank.com
(334) 481-6910
Montgomery Office
6836 Atlanta Highway
NMLS#
Matt Manning
matt.manning@cadencebank.com
(334) 481-6910
Montgomery Office
6836 Atlanta Highway
NMLS# 442685
Shelly Nickles
shelly.nickles@cadencebank.com
(334) 481-6910
Montgomery Office
6836 Atlanta Highway
NMLS# 430123
Marietta Davis
marietta.davis@cadencebank.com
(334) 481-6910
Montgomery Office
6836 Atlanta Highway
NMLS#
Tuscaloosa
Josh Denney
josh.denney@cadencebank.com
205-345-3941
Tuscaloosa Main Office
1101 Greensboro Avenue
NMLS# 776124
Stacey Didyoung
stacey.didyoung@cadencebank.com
205-345-3941
Tuscaloosa Main Office
1101 Greensboro Avenue
NMLS# 776124
Florida
Bradenton
Steve Ryon
steve.ryon@cadencebank.com
941-744-9700
Bradenton Office
5115 SR 64 East
NMLS# 468830
Blountstown
Shelly Burns
shelly.burns@cadencebank.com
(850) 674-6870
Blountstown Office
69156 Main Street
NMLS# 775104
Tallahassee
Laura Jo Hewitt
Mortgage Lending Manager
laura.hewitt@cadencebank.com
(850) 523-2503
NMLS# 775253
Lesa Hart
lesa.hart@cadencebank.com
(850) 523-2506
NMLS# 775295
Tampa
Libby Owens
libby.owens@cadencebank.com
(813) 961-6200
Carrollwood Office
13246 N Dale Mabry Highway
NMLS# 260150
Shelia Marshall
shelia.marshall@cadencebank.com
(813) 907-8841
Wesley Chapel Office
1932 Bruce B Downs Blvd
NMLS# 277964
Buck Mills
buck.mills@cadencebank.com
(813) 961-6200
Carrollwood Office
13246 N Dale Mabry Highway
NMLS# 65541
Mississippi
Columbus
John Rollins
john.rollins@cadencebank.com
(662) 329-6569
Columbus Main Office
803 Main Street
NMLS# 776068
Mickie Simons
mickie.simons@cadencebank.com
(662) 329-6530
Columbus Main Office
803 Main Street
NMLS# 776073
Starkville
Gloria Batson
gloria.batson@cadencebank.com
(662) 324-4720
Starkville Main Office
301 East Main Street
NMLS# 776104
Cal Hodges
cal.hodges@cadencebank.com
(662) 324-4720
Starkville Main Office
301 East Main Street
NMLS# 776145
Tennessee
Brentwood
Melissa Taylor
melissa.taylor@cadencebank.com
(615) 467-6360
Brentwood Main Office
93 Seaboard Lane
NMLS# 776079
Franklin
Michael Barker
michael.barker@cadencebank.com
(615) 791-3760
Franklin Main Office
198 East Main Street
NMLS# 799599
Germantown
Richard Vassallo
richard.vassallo@cadencebank.com
901-312-4630
Germantown Office
7878 Farmington Blvd.
NMLS# 776084
Memphis
Terry Dunn
terry.dunn@cadencebank.com
901-312-4439
Folk’s Folly Office
591 S. Mendenhall
NMLS# 776126
Susan Griggs
susan.griggs@cadencebank.com
901-312-4466
Crescent Center
6075 Poplar Ave., Suite 120
NMLS# 799601
Charles Perkins
charles.perkins@cadencebank.com
901-312-4420
Crescent Center
6075 Poplar Ave., Suite 120
NMLS# 776057
Julia Sledge
julia.sledge@cadencebank.com
901-312-3531
Crescent Center
6075 Poplar Ave., Suite 120
NMLS# 776074
Theresa Vowell
theresa.vowell@cadencebank.com
901-312-4451
2926 Ridgeway Road
NMLS# 799596
Janice Wright
janice.wright@cadencebank.com
901-576-1576
Court Square Office
119 South Court, Ste 100
NMLS# 776089
Charles McKelroy
charles.mckelroy@cadencebank.com
901-729-2250
Midtown Office
1516 Union Avenue
NMLS# 776048
The Three Step Process
It doesn't matter if you're buying your first home, a vacation home, refinancing or moving up to a bigger home, it's still one of the most important steps you will make in life.
Step One - Application and expert support
We will review your application information and help you choose a mortgage program that will help you meet your personal financial goals
Step Two - Disclosures & Documentation
We will provide you with early disclosures associated with your application (Good Faith Estimate, required booklets, etc.). Then we will request documentation from you in order to verify and complete your application based on your financial profile and choice of mortgage program.
Here are the kinds of documentation you may be asked to provide:
- Home Purchase: A copy of your signed sales contract
- Home Refinance: A copy of the warranty deed
- Income- current pay stubs, previous year W2 forms or federal income tax returns
- Social Security number for each borrower
- Assets - Complete checking, savings, investment, IRA or 401(K) account statements
Step Three - Processing & Closing
We will process your application package and arrange for your closing.
Ready for Step 1? Contact us at 1-800-636-7622 today!
*Financing currently only available in Mississippi and Tuscaloosa, AL. Equal Housing Lender
Mortgage Solutions
Listed below are a few of the traditional mortgage options available for you to choose from.
Conventional Mortgages
If stability matters to you, a mortgage with a fixed rate might be your best choice. Your mortgage interest rate doesn't change from year to year, which many homeowners prefer. (Down payments vary.) We have many options available to you to choose from.
Jumbo Loans
Mortgage loans exceeding Fannie Mae's conforming loan limits are available in a variety of programs including fixed rate mortgages and balloon mortgages.
Equal Housing Lender
Glossary of Terms
Adjustable-rate loans
Known as variable-rate loans, usually offer a lower initial interest rate than fixed-rate loans. The interest rate fluctuates over the life of the loan based on market conditions, but the loan agreement generally sets maximum and minimum rates. When interest rates rise, generally so do your loan payments; and when interest rates fall, your monthly payments may be lowered.
Annual Percentage Rate (APR)
The cost of credit expressed as a yearly rate. APR includes the interest rate, points, broker fees, and certain other credit charges that the borrower is required to pay.
Conventional loans
Mortgage loans other than those insured or guaranteed by a government agency such as the FHA (Federal Housing Administration), the VA (Veterans Administration), or the Rural Development Services (formerly known as Farmers Home Administration, or FMHA).
Escrow
The holding of money or documents by a neutral third party prior to closing. It can also be an account held by the lender (or servicer) into which a homeowner pays money for taxes and insurance.
Fixed-rate loans
Generally these loans have repayment terms of 15, 20 or 30 years. Both the interest rate and the monthly payments (for principal and interest) stay the same during the life of the loan.
Interest Rate
The cost of borrowing money expressed as a percentage rate. Interest rates can change because of market conditions.
Lock-ins
A written agreement guaranteeing a home buyer a specific interest rate on a home loan provided that the loan is closed within a certain period of time, such as 60 or 90 days. Often the agreement also specifies the number of points to be paid at closing.
Mortgage
A document signed by a borrower when a home loan is made that gives the lender a right to take possession of the property if the borrower fails to pay off on the loan.
Origination Fee
A fee generally computed as a percent of the loan amount that is collected by the lender at closing. Origination fee(s) are used to help provide the market rate for the mortgage loan and are generally set at 1.00% of the loan amount.
Points
Fees paid to the lender for the loan. One point equals 1 percent of the loan amount. Points are usually paid in cash at closing. In some cases, the money needed to pay points can be borrowed, but doing so will increase the loan amount and the total costs.
Private Mortgage Insurance (PMI)
PMI protects the lender against a loss if a borrower defaults on the loan. It is usually required for loans in which the down payment is less than 20 percent of the sales price or, in a refinancing, when the amount financed is greater than 80 percent of the appraised value.
Transaction, settlement, or closing costs
This may include application fees; title examination, abstract of title, title insurance, and property survey fees; fees for preparing deeds, mortgages, and settlement documents; attorneys' fees; recording fees; and notary, appraisal, and credit report fees. Under the Real Estate Settlement Procedures Act, the borrower receives a good faith estimate of closing costs at the time of application or within three business days of application. The good faith estimate lists each expected cost for the borrower.
Equal Housing Lender
