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A human-centric approach to mortgage lending.

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Cason Is A Full Service Mortgage Banker

Our processing and underwriting departments are right on site and give us a unique advantage in getting loans closed quickly and efficiently.
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Cason Home Loans is an Equal Housing Lender.
Cason Home Loan Office
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We pledge to be honest and upfront so that your mortgage needs can be met and you walk away with confidence.
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We believe in putting people first. When we put people first, more business will simply “find us” over the long run.
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We have a wonderful team based in the United States at our five locations across four great states.
Connect With A Loan Officer Today
Our licensed loan officers will inspire confidence that you are getting the best mortgage advice based on your unique needs.
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Full Service In-House Lender
Unlike mortgage brokers that have to wait on others to make loan decisions,  we have in-house underwriters and experienced loan processors allowing us to work more efficiently.
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Prioritizing Loan Innovation
On the cutting edge of new loan programs and have investing our time into modern technology to ensure a fast, efficient transaction. This allows us to provide you with every possible advantage.
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Focus on Customer Satisfaction
Put people first. In an industry that can be so misleading, we pledge to be honest and upfront so that your mortgage needs can be met and you walk away with confidence.

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Real Home Owners Real Team Members

Office Locations

From Michigan to Florida, we have you covered.
Office Locations
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Meet The Cason Team

Our in-house team listens your needs.
About Us
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Loan FAQ's

We get it, it's totally normal to have a handful of questions when taking out a mortgage loan.
What if I need a loan above $453,100?
This is called a Jumbo Mortgage. Jumbo mortgages are home loans that exceed conforming loan limits which is is $453,100 in most areas of the country.
How do I get the lowest interest rate available?
An adjustable rate loan is your solution. The interest rate on this loan will be fixed for a stated period of time and will then become adjustable for the remainder of the loan.
How do I prevent my interest rate from going up?
Look for a Conventional Fixed loan. A fixed-rate, conventional mortgage offers an interest rate that won’t change for the life of your loan and conforms to federal guidelines for the size of the mortgage and your financial situation.
What should I do if I want to live in a rural area?
Checkout a Rural Development loan. Rural Development loans are offered in rural areas as determined by the USDA. The USDA’s mission is to help lower income households obtain home loans at reasonable mortgage rates.
I am a military veteran or actively serving. Any benefits?
Yes, look for a VA loan. VA Loans are mortgage loans made by an approved lender and guaranteed by the Department of Veterans Affairs. VA loans are made eligible to veterans and those currently serving in the military, and often have lower down payment requirements than other types of loans.
What should I do if I don't have a lot of money for a down payment?
Get a FHA loan. FHA loans are designed to make housing more affordable, particularly for first-time homebuyers and are insured by US Dept. of Housing & Urban Development.
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"My Loan officer at Cason Home Loans really cared about getting our mortgage closed on time."
Karen W.
Grand Blanc, Michigan
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Common questions

Mortgage FAQ's

What are the common fees through the mortgage process?
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Application Fee, Appraisal Fee, Process Fee, Title Search and Insurance Fees, Origination Fee, Recording Fee.
What is the difference between a Mortgage Broker an a Mortgage Banker
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Mortgage brokers are federally licensed firms or individuals who sell loan programs on behalf of lenders. Mortgage brokers facilitate your search for the most suitable mortgage product – but do not process any loans – every loan is sent to the lender (banker) for processing.
What is a Rate Lock or Lock In?
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A commitment you obtain from a lender assuring you a particular interest rate or feature for a definite time period. Provides protection should interest rates rise between the time you apply for a loan, acquire loan approval, and, subsequently, close the loan and receive the funds you have borrowed.
What is a Loan To Value Ration (LTV)?
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A ratio determined by dividing the sales price or appraised value into the loan amount, expressed as a percentage. For example, with a sales price of $100,000 and a mortgage loan of $80,000, your loan to value ratio would be 80%. Loans with an LTV over 80% may require Private Mortgage Insurance.
What are Discount Points (or Points)?
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A one-time charge imposed by the lender to lower the rate at which the lender would otherwise offer the loan to you. Each point is equal to one percent (1%) of the mortgage amount.
What is the difference between Interest Rate and APR?
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The interest rate is the cost of borrowing the principal loan amount. It can be variable or fixed, but it’s always expressed as a percentage. Annual Percentage Rate (APR) is the cost of credit on a yearly basis, expressed as a percentage.
What are the steps in the Mortgage Process?
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The Loan Approval Process is relatively simple but can seem very mysterious if it is never explained to you. The best news ever is that it takes less and less time these days. Here is an article we wrote that explains the process.
What is a Truth-in-Lending Disclosure and why do I receive it?
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The Disclosure is designed to give you information about the costs of your loan so that you may compare these costs with those of other loan programs or lenders.
What is Private Mortgage Insurance (PMI)?
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Private Mortgage Insurance is provided by a private mortgage insurance company to protect lenders against loss if a borrower defaults. Private Mortgage Insurance is generally required for a loan with an initial loan to value (LTV) percentage in excess of 80%.
How does an escrow account work?
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An escrow account is a separate account that holds funds for the purpose of paying bills such as homeowner’s insurance and property taxes. Funds to cover these expenses are deposited into the account each month along with your monthly payment and then pays the bills for you when they come due.

Questions? We're happy to help.

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