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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How to buy a home with less cash—the hidden world of lender credits
Lots of folks obsess about finding the lowest possible interest rate. And, we don’t disagree that finding the lowest rate is super important—it’s why our rates… Read more
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How is the loan amount I am approved for calculated?
There’s a lot of mortgage calculators out there—these aren’t honestly all that valuable if you really want to know how much house you can afford. We… Read more
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How to game the real estate wealth-building ladder
Imagine yourself 15 years from now. You might want to live in a new city, own a larger home, or have enough savings for your kids’… Read more
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What is a buyer’s market?
A buyer’s market is a period when there are more homes or more supply in the market, than buyers or demand. This allows buyers to be… Read more
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When is the best time of year to buy a home?
When it comes to buying a home, timing can make a huge difference. But each season comes with advantages and tradeoffs. Here’s some pro tips. Fall:… Read more
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What is debt-to-income (DTI) in mortgage?
DTI measures how much of your income goes toward debt payments. Lenders use this ratio to assess your financial stability and determine your ability to handle… Read more
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What is PMI?
When you put down less than 20% on your new home, every lender everywhere is required to charge for PMI, or Private Mortgage Insurance on a… Read more
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Conditionally approved? What does it mean?
Getting conditionally approved means the lender has reviewed your loan application and things are looking good, but they still need to check a few things before… Read more
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What is a 3-2-1 buydown?
Think of a 3-2-1 buydown as a mortgage’s way of easing you into the big league. It’s like giving yourself a financial warm-up before hitting the… Read more
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What’s the deal with hard vs. soft credit checks?
A soft-credit check is basically a little peek behind the curtain. You’ve probably done soft credit checks on yourself (if you haven’t, you should), where your… Read more
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15-year or 30-year mortgage?
When trying to figure out how much house you can afford, or work out the best price for a mortgage, a lot of people wonder whether… Read more
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What does clear to close mean?
“Clear to close” (CTC) is like the ultimate green light in the mortgage world. Hitting that milestone means your mortgage lender has gone through your financial stuff—income,… Read more