Your new home could be right around the corner!

Cadence Affordable Home Loan Program*

A great loan option for borrowers with properties in low to moderate income areas and/or borrowers with qualifying limits featuring:

  • A low down payment
  • Competitive, fixed rates
  • NO origination fee – typically 1% of the loan amount
  • No mortgage insurance requirement
  • Up to 100% of loan to value 

Learn more by downloading this affordable home loan flyer.

Let's get started!

Simply submit the form at the top of this page and a Cadence mortgage loan advisor will contact you.


FHA, VA, and USDA Loans

Government backed mortgage options with low down payments for qualified borrowers. A standard mortgage meeting Fannie Mae and Freddie Mac guidelines. 

Adjustable Rate Mortgages (ARMs)

A loan type where the interest rate may adjust at different intervals during the term of the loan. Generally, these changes are determined by a margin and an index so that the interest rate changes, up or down, and are based on market conditions at the time of the change.

Construction/Perm Loans

An ideal loan for new construction or when building a custom home. With our One-Time Close construction loan program, the interest rate is locked in prior to the commencement of construction on the home and the process is simplified by having only one closing.

* No origination fee is only valid on Cadence Bank’s Affordable Home Loan Program. Property must be in qualifying low/moderate income government census track or borrower must have income below area’s medium income to qualify. Borrower must complete homebuyer education course. All loans and lines are subject to credit approval. Some restrictions apply. Consult a Cadence Bank mortgage lender for complete details.

Cadence Mortgage Advisors


Lisa Daniel NMLS# 775233

Sam Moss NMLS# 659184


Cindy Palmer NMLS# 484964


Andrea Fowler NMLS# 208185

Simon Castellanos NMLS# 595301


Joe Hayes NMLS# 453822

Buck Mills NMLS# 65541


Denise Hampton NMLS# 415234

About Cadence Bank

Backed by 128 years of financial expertise and with lending locations in Alabama, Texas, Mississippi, Florida, and Georgia, our mortgage lending professionals are available locally throughout the Cadence Bank footprint. Cadence Bank offers a wide variety of mortgage loan options including: fixed and adjustable rate mortgages, conventional loans, FHA and VA loans.