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In addition to our full range of mortgage lending products, Cadence Bank is pleased to offer a


Cadence Bank offers a special mortgage financing program tailored for physicians in their first 5 years of practice post-licensure.

  • Up to 100% financing
  • Maximum loan amount $1.5 million
  • Borrowers with less than 2 years 1099 income can use 85% of income in employment contract
  • One year of full tax returns required for self-employed borrowers
  • No mortgage insurance requirement (no PMI)
  • Owner occupied purchases

To learn more about this, and other available mortgage programs, contact Simon Castellanos directly at 832-585-4418 or by email at

*Borrower must be in professional career [Dentist, Attorney, Doctor, Architect, CPA, Engineer, Pharmacist or PHD level Professor] 5 years or less after graduation, certification or licensure, as applicable. Additional qualifications apply. All loans are subject to credit approval. Loan terms and availability subject to change. Consult a Cadence Bank Mortgage Lender for complete details.

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About Simon Castellanos

Whether you're buying, building or refinancing, Simon Castellanos is an experienced mortgage professional who can help!  Simon specializes in our Early Professionals Program tailored for physicians, dentists, attorneys, pharmacists, engineers and architects in their first 5 years of practice after graduation, certification or licensure, as applicable.

Simon Graduated from The University of Pittsburgh in 1981 with a bachelor's degree in Economics and has been working in the banking sector since that time.  He has been originating mortgages for the past 20 years and has been distinguished repeatedly as a top producing agent.