Tips, trends and insights for homebuyers like you.
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Cadence Bank Review 2026: Low Rates, Inconsistent Service
Cadence Bank is in a post-merger identity crisis. The 2021 combination of Cadence Bancorporation and BancorpSouth created what customers now describe as a “service lottery”—whether your loan file gets routed through the old Cadence infrastructure or old BancorpSouth systems appears random. Tomo Mortgage’s TrueRate data shows competitive pricing at 0.22% below the median. The risk Read more
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2025 mortgage interest rate forecast
See how Tomo Mortgage’s head of Capital Markets breaks down the latest mortgage rate forecasts, predictions, and outlooks for 2025. Read more
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What is a hard money loan?
A hard money loan is a type of short-term financing secured by real estate. Typically issued by private investors or companies, these loans are based on… Read more
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What is the best place to get a home loan?
Choosing the right lender can make all the difference in your home-buying experience. With numerous options available, understanding what each lender offers is crucial. Here, we’ll… Read more
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What’s considered a good interest rate for a mortgage?
When it comes to figuring out what a “good” interest rate is, it really depends on the market at the time. It’s complicated with all the… Read more
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Can you really buy a house with an LLC and rent it to yourself?
Yes, you technically can buy a house with an LLC and rent it to yourself, but it’s not as smooth as it sounds. Here’s the scoop:… Read more
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What are real estate taxes, and why do I have to pay them?
Real estate taxes (also called property taxes) are what help keep local services—like schools, roads, and public safety—up and running. They aren’t optional; it’s how your… Read more
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What is a “lock” in the mortgage world?
Locking in a mortgage rate is a strategic move that can secure a set interest rate for a specific period—helping to protect you from potential rate… Read more
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Can you switch lenders while buying a house? Absolutely—and it might save you big
Buying a home is already complicated, so you might think, “Once I’ve chosen a lender, the hard part is over, since all lenders offer roughly the… Read more
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Understanding guaranteed loans: benefits, types, and requirements
So, what exactly is a guaranteed loan? At its core, a guaranteed loan is a mortgage backed by a government agency like the FHA (Federal Housing… Read more
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How to calculate your monthly mortgage payment like a pro
So, you’re ready to dive into the world of homeownership—congrats! Before you start picturing that dream kitchen, though, it’s time for a quick reality check: your… Read more
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What to expect when you hear the term loan servicing
So, you’re diving into the world of homebuying, and you keep hearing the term “loan servicing.” What’s the deal with that? What is loan servicing anyway?… Read more
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How to get a fair deal on a mortgage—what lenders try to hide in a Loan Estimate
Right now, about 9 in 10 home buyers in America pay too much for their mortgage. Without knowing it, people pay steep fees and higher rates… Read more
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Who is a grantor in the mortgage process?
When diving into the home buying process, one term you’ll likely encounter is “grantor.” So, what exactly is a grantor in the mortgage world? Simply put,… Read more