I have two simple missions: First is to offer you the lowest available interest rates and the best mortgage program for your situation in today's fast-changing mortgage market. Second is to help you, teach you and guide you through your home loan process so you can make smart decisions and to then work with you 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 who will keep your best interests in the forefront!

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

Helping families and people get into their new homes is my passion. As a Licensed Mortgage Professional with Independent Bank Mortgage, 100% of my business is referred by satisfied clients and experienced, trusted Realtors. With many years of experience and extensive, specialized mortgage training, my dedicated team stands ready to assist you every step.

This Web Site is for you! It is an on-going "work in progress" with new information being added frequently. Spend some time here, explore each page and section - especially the Loan Process, the Mortgage Basics and the Frequently Asked Questions under the Resources Tab at the top. And, as always, call me with ANY questions!

901.494.4400     ludy@i-bankonline.com


Listen to "The Mortgage Lady" with Ludy Callaway

on "The Voice" FM107.9 & AM990 every Monday Morning 8-9AM