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’s the typical down payment on a house?
So, you’re ready to take the leap into homeownership, and onto the wealth building ladder of real estate… but first, let’s talk about one of the… Read more
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What is a pre approval letter? Your must-have for home buying success
Strap in! Before you kick off your house hunt, there’s one essential document you absolutely need: the pre approval letter. What is it, and why should… Read more
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Why do mortgage lenders track all deposits?
Good question! Lenders are all about making sure you’re financially solid and that your money is legit. They want to see that your cash flow isn’t… Read more
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VA vs. conventional loans: which is better?
Choosing the type of loan that makes the most financial sense for you can be daunting for first time homebuyers and repeat purchasers alike. There’s some… Read more
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Why do you need a license to talk about interest rates?
Ever wonder why someone needs a license to talk about interest rates? Yeah, it sounds like just another layer of bureaucracy, but it’s actually super important.… Read more
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Is there a first-time homebuyer loan?
In short, no. There is not one uniform first-time homebuyer loan. But there are several options designed to benefit first-time buyers: What type of loan do… Read more
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Conventional loans 101: an insider’s guide to standard home financing
A conventional loan is like the old reliable of mortgages—provided by private lenders (not the government), it’s straightforward, flexible, and widely used. If FHA, VA, and… Read more
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Will home prices ever drop?
OK, homes are really, really expensive right now. Affordability is rough in cities like Denver or Washington DC but even across the country home prices rose… Read more
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Better to buy now or wait for rates to drop? We’ve got the answers.
Let’s be real—interest rates matter. Even a small percentage change can make a huge difference over time. For instance, on a $400,000 loan, a 6% interest… Read more
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Jumbo loans unpacked: the need to know before borrowing big
A jumbo loan is your go-to mortgage if you’re aiming for a property that goes beyond the standard limits. These loans exceed the conforming loan limits… Read more
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Closing disclosure? What’s that?
The Closing Disclosure is a document that spells out every last cent and every commitment you’re about to make before you officially become a homeowner. Here’s… Read more
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Want a lower rate? Here’s when you can refinance your home
The best time to refinance your home depends on a combination of personal factors and market conditions. Here are some key indicators that it might be… Read more