I'm Ludy Callaway, a native Memphian.

20+ years in the Residential Mortgage business has taught me a lot. And it all boils down to one main lesson – No Surprises! You should never be shocked at the closing table with unexpected fees or unexplained costs. As Vice President in the Mortgage Division of Independent Bank - I don’t believe in surprises. Except when you're surprised with how easy and frustration-free your home loan experience is. Work with integrity. Care for our customers. Offer first-rate products and knowledgable service. That’s how we do it in Memphis and at I-Bank. And that’s your key to a no-surprises, problem-free home mortgage closing.

With all the new Federal regulations in today's mortgage world, it's critical for you to work with a Lender who knows how to work efficiently with your Realtor, the Seller's Realtor and your Closing AttorneyMeeting new deadline regulations will be imperative in order to ensure your scheduled closing date.

I, my assistant Toni Lewis and Processors Katie Welch and Denise Kokos are here to help you through every step of the loan process. Call me. Ask Questions! Get Answers!

901.494.4400      ludy@i-bankonline.com

Listen to "The Mortgage Lady" with Ludy Callaway

on KWAM-AM990 every Monday Morning 8 - 9AM