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Buying a home is an exciting time!  It is also one of the biggest investments that you and your family may make.  At Cadence, we take that investment seriously.  We want to help you find the right mortgage product and the best payment options for you to choose from.

We understand that there are many things to consider when choosing a mortgage, which can make the process overwhelming at times.  To help simplify things, we are pleased to provide you with valuable information about the home loan process throughout this site.

When you are ready to apply, click on the Apply Now menu to access our online loan application.  If you have any questions along the way, feel free to contact Joe Hayes directly at 727-723-2868 or by email at joe.hayes@cadencebank.com

Download Our Mortgage eBook
Buying your first home is both exhilarating and overwhelming. Our free eBook, "First-time Homebuyer's Guide," will help you stay on top of it all it's a step-by-step guide on what to expect when you're trying to get a mortgage.



Where to Start

Information For First-Timers

First-Time Home Buying

Congratulations! We're pleased to be helping you with your first home. The more you know about the home buying process, the more confident you will be in making the important decisions that will shape your home ownership experience.

The Mortgage Process

Buying a home has never been easier. We've streamlined and updated the entire mortgage process to bring you a faster, more technologically advanced way to finance your home.

Purchasing A Home

Purchasing a Home

Buying a new home is exciting and the process of financing it is now faster and easier than ever before.

The Mortgage Process

Buying a home has never been easier. We've streamlined and updated the entire mortgage process to bring you a faster, more technologically advanced way to finance your home.

Start Saving By Refinancing

Refinancing a Home

If the current value of your home has increased, it may make sense to refinance at a better rate or refinance to consolidate debt or plan a home improvement project.

The Mortgage Process

Buying a home has never been easier. We've streamlined and updated the entire mortgage process to bring you a faster, more technologically advanced way to finance your home.

Getting Value Out Of Your Home

Home Equity Loans

Thinking about home improvements? Now may be the perfect time to upgrade your home. A home equity loan can help.

The Mortgage Process

Buying a home has never been easier. We've streamlined and updated the entire mortgage process to bring you a faster, more technologically advanced way to finance your home.

Building A New Home

Construction Loans

Construction loans offer flexible options for financing while your home is being built as well as the long term financing after your home is complete. You can finance each phase separately or look at one loan that covers both phases.

The Mortgage Process

Buying a home has never been easier. We've streamlined and updated the entire mortgage process to bring you a faster, more technologically advanced way to finance your home.





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About Joe Hayes

Whether you're buying, building or refinancing, Joe Hayes is an experienced mortgage professional who can help!  Joe has been active in the mortgage banking industry since 1994, working as a loan originator. His prior experience has provided him with a wealth of knowledge in all types of loan products including purchases, refinances and one-time close construction loans.  With over seven years in the local community, Joe is eager to help his clients find the mortgage product that is right for them.