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Take the guesswork out of how much house you can afford by determining your budget. Use the Mortgage Calculators to calculate monthly payments, determine if refinancing is a good idea or the difference between renting vs owning a home.
Through our Plan Your Way Home1 process, whether you are a first time home buyer or interested in refinancing your existing home, we can help you determine which assistance programs you may qualify for. One of our current lender programs may provide up to $5,000 toward closing costs and pre-paids such as property taxes, homeowners and/or flood insurance if applicable.
Visit Plan Your Way Home for more information and details.
Our experienced local lenders can help you navigate the homebuying process with competitive rates and terms on a variety of mortgages. Certain credit criteria apply.
Whether you’re a first-time homebuyer, refinancing or building your dream
home, our experienced lenders will help you navigate your journey offering competitive rates and terms on a variety of mortgage types.
Find a Mortgage Lender
ONE TIME CLOSE CONSTRUCTION LOAN
Two loans in one with only one closing. Payments are interest-only during the construction period, and when your home is complete, your loan will modify into a full amortization with principal and interest payments and payments for insurance, taxes and mortgage insurance (if applicable2).
LOT LOANS
A lot loan can bring you one step closer to making your dream home a reality. We have up to 90% financing, but your financing percentage could be determined by your loan amount, credit worthiness and other factors. Lot loans cannot be applied for online, but our bankers in a financial center near you can assist you with this loan. Or, have a banker contact you.
Whether you’re building, buying or refinancing, our mortgage loans include competitive rates and terms and choices to match your plans for the future.
A popular option for homebuyers who plan to stay in their home a long time.
Features include:
Suitable for homebuyers planning to stay in their homes a short time, or if their income is likely to increase in the future.
Features include:
Want to talk about reducing your rate, paying off your loan sooner or lowering your payments?
Reach out to a local mortgage banker today.
Other terms and conditions apply. See your mortgage loan officer with any questions.
1To qualify for assistance, certain eligibility requirements must be met and can include the following: generally, the property must be located in the program’s targeted area, and certain purchase price, loan, and income limits may apply. Additionally, when an applicant’s total application income exceeds 80% of the HUD median income for the area, some programs require that the property must be located in a low, moderate, or majority minority census tract. Purchase and appraisal limits apply. Purchase or rate/term refinance transactions only. Limited to Conventional, Government (for the FHA loan program, assistance is subject to minimum down payment program requirements), VA, and Rural Development loan programs. The Plan Your Way Home lender credit is currently available in selected areas. See a Community Lending Specialist for more details.
2 If an escrow account for tax, insurance and/or mortgage insurance payments is required or requested, then additional monies may be due at time of modification.
3Adjustable-rate mortgages generally feature lower rates and payments early on in the loan term, with rising rates and payments over the life of the loan. See a banker for details.
Hancock Whitney Bank, Member FDIC and 
Equal Housing Lender. All loans and accounts subject to credit approval. Terms and conditions apply.
Hancock Whitney and the Hancock Whitney logo are federally-registered trademarks of Hancock Whitney Corporation. Copyright © 2021 Hancock Whitney Bank.
