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"You think about mortgages a few times in your life.

I Think About Them Every Single Day!"


In today's ever-changing mortgage market 
I have two simple missions: First is to offer you the lowest available interest rates and the best mortgage program for your situation. Second is to help you, teach you and guide you through your home loan process so you can make smart decisions. Then, we'll work together for a quick, problem-free closing. 

The best advice I offer is to Ask Questions! Get Answers! Only work with a Lender and Realtor you can trust and who will give you the answers you need. If you need a Realtor, I can recommend some truly talented, knowledgable and professional people.

We understand it's not just a house, 
it's your home.

Your first step to buy a new home should be to get prepared to immediately make an offer. That means getting Pre-Qualified!  The Memphis area real estate market is going through more dramatic changes - transitioning from a Sellers Market to a Buyers Market - and If you're not prepared....you can easily lose that home to someone who is! Home sellers won't even accept an offer without a Pre-Qualification letter. I and my team are ready to assist you with every step.


There are two ways to make an application with me for a mortgage or to refi a loan! You can do it on-line here by simply clicking on the "Purchase" or "Apply" links at the top of this page and fill out the forms. It's safe, secure and goes straight to my system.
I'll call as quickly as I can to follow up with you.
Or, just call me! And that can be as simple as a 10 minute conversation.
Either way, we'll work directly together through the loan process!



Ludy Callaway 

"The Mortgage  Lady"


901.494.4400    

ludy@i-bankonline.com  

 

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