CHEER SQUAD
My loan officer had no problem helping me and explained the process.
Turkessa G
Aug 28, 2024
The communication with the buyers is what make the experience the best. That alone makes it so much better especially in my case as a first time buyer
Louis J
Aug 05, 2024
Everyone was helpfully and worked hard too help us in every way thay could
Jonathon F
Aug 02, 2024
Always assisted with any questions and kept us informed throughout our process. We kept sound mind throughout our dealings.
Haden E
Jul 20, 2024
Everybody that helped us through buying our first house was just super helpful and thoughtful. Overall was just a great experience. Big thank you to everyone at legacy mortgage!
Lance S
Jun 01, 2024
Finally getting to move in
Joseph E
May 01, 2024
Stacy and Pam are a phenomenal team. Stacy backed me and when he ask me for documentation I got it promptly to him and also Pam. Superb experience for me and my grandchildren. Thanks again guys.
Florence H
Apr 17, 2024
Great with communicating and answering any questions that I had.
Ashley P
Mar 20, 2024
Commnication was key in the home buying process and Mr Hopper provide that communication.
Jalil A
Mar 05, 2024
We had a really easy and pleasant experience. Every question was answered and we had good communication
Sarah L
Mar 03, 2024
The communication willing to help ready to answer any question needed polite and open to answer the phone if anything is needed always available
Michael W
Mar 01, 2024
The entire team and process was great. Thank you.
Gilberto L
Feb 28, 2024
Everyone was so helpful and communicated everything I needed in a timely manner!!
Erin F
Feb 02, 2024
Stacy and Pam was very friendly always making sure I understood all the paperwork. Always making sure I received emails that’s what I liked about them good communication and customer service
Ricky D
Jan 05, 2024
Great communication and excellent service!!
Rachel B
Jan 05, 2024
Such an easy process and great team. Pam was the most helpful and made everything stress free for my family and me.
Erin L
Nov 08, 2023
Great staff and management. Mr Hooper works like he has 12 mouths to feed at home!
Sean M
Sep 23, 2023
Everyone was very helpful to us during this amazing journey. We can’t express how thankful we are to everyone that played apart in getting us through the process of becoming a homeowner. We pray God’s blessings over each of you and your families. Again Thank You All!
Anjill W
Aug 20, 2023
The process was very smooth.
Amanda E
Aug 05, 2023
Customer service was a 10/10
Andrenna H
May 30, 2023
The whole process was good. My only compliant was they added the wife to the contract at the last minute and she did not request it off as we was told she wasn’t on the contract
Stanley H
Mar 19, 2023
Over all very friendly and professional people. Pretty good communication with us and that is rare.
James L
Mar 01, 2023
Ease of doing business
Gary W
Nov 01, 2022
Stacy did a great job communicating with me and quickly responding. He was patient and took his time explaining things when needed. Highly recommend.
Matthew L
Sep 29, 2022
The communication and the help we needed for our first new home.
Kendra H
Sep 21, 2022
Closed very smoothly! Thanks!
Charles M
Sep 20, 2022
We had a great experience! They were very fast and knowledgeable about everything.
Timothy B
Jul 31, 2022
I felt like Stacy Hooper was the only person who was really on my side in the lengthy home purchasing process.
Brandon L
Jul 13, 2022
Great communication! Great service! Overall great experience.
Arah S
Jun 28, 2022
The constant update along with clear communication of what was needed was absolutely perfect. The app also made things very clear as far as the next steps involved for a first time home buyer!
Joshua H
Jun 20, 2022
Available contact
Ty S
Jun 07, 2022
Very friendly and very communicative!
Sharon M
May 16, 2022
Never had a problem getting in touch when we ha
D questions
Norman M
May 16, 2022
Communication was very easy. Questions were always answered.
Olivia R
May 11, 2022
I appreciate the communication and the people walking me through the process as a first time home buyer.
Andrea O
May 11, 2022
Working with Pam was a breeze she gave me so much more confidence than any other lender I spoke with and my real estate agent Jocelyn worked well with Pam and communicated with me on every question I had. I am so glad to have been able to get with you guys
Chandler V
May 02, 2022
Awesome people to deal with very professional and friendly and quick with getting questions answered and explained.
Jennifer W
Apr 19, 2022
Everyone help me make the process of buying a home easy.
Christopher R
Feb 16, 2022
Stacy and the entire team have restored our faith in the home buying process. Very low pressure and amazing communication made him awesome to work with. We will be calling him again in the future.
Kevan T
Feb 07, 2022
Stacy was great.
Rebecca G
Jan 09, 2022
Stacy made the process as easy as humanly possible!
Jessica A
Dec 13, 2021
They are a very helpful company to use. Any questions I had they were willing to answer or get an answer for me. Excellent company to use.
Roger H
Dec 02, 2021
The communication between everybody and being able to answer all of my questions made it great
Christopher B
Nov 16, 2021
Everyone involved was very professional and handled everything with little effort on my part
Robert M
Oct 18, 2021
I received quick responses to all my questions and concerns.
Ashley G
Oct 10, 2021
No pressure and easy to upload documents so you don’t have to continue to leave work
Sherry L
Oct 03, 2021
Fast respond!
Zaundra D
Aug 14, 2021
Personal relationship was created. Felt like doing business with a friends than just a transaction.
Blake L
Jul 29, 2021
I love all the help Larry Ross provided! I done everything he asked and I am very happy with the results! I hope to work in the future with your company!
Katie R
Jul 29, 2021
NO HASSELL DURING THE WHOLE LOAN PROCESS. ASWSOME BUYING EXPERIENCE FOR OUR FIRST TIME BUYING A HOME.
Aaron H
Jul 23, 2021
The step by step communication during the entire process.
Renee D
Jul 07, 2021
Helpful and very friendly. I am a new homeowner so i had so many questions and everyone involved was amazing in answering them and being flexible with me schedule and theirs. Thank you
Aubrey W
Jul 03, 2021
Pam and you were amazing! Pam has answered all of my phone calls be it 8 am or 8 pm. She really went above and beyond to make this experience go smooth and quick! Will definitely be recommending my friends and family to you guys in the future!
Tucker Y
Jun 27, 2021
Stacy and his staff were very friendly and helpful to answer any questions I had. They make the experience stress free and easy to go through. I would highly recommend anyone using them.
Austin A
Jun 08, 2021
Easy to work with! Will be back with any more mortgage needs!!!
Kyle S
Jun 08, 2021
Family atmosphere. Truly believed meetingy was needs and making sure I understood the process was important.
Gwendolyn B
Jun 07, 2021
The constant communication we had with everyone.
Timothy C
Jun 07, 2021
Easy process.
Harold H
Jun 05, 2021
Efficient and effortless; great communication and professional; easiness of all transactions. Would definitely recommend and refer to friends.
Debra H
Jun 05, 2021
MORTGAGE
We want to make your home financing as easy as it can be. With Legacy Mortgage, you can relax while we handle the details.
Get Prequalified before you shop for a house
You can get a loan before you even select a home. A Legacy home mortgage specialist can perform a pre-qualification or pre-approval so that you'll have a good idea of how much you can afford. Once you've found a home, and a seller has accepted your offer, you are ready to move to the Application process.
- You will know the loan amount you qualify for so that you know what home price range to shop
- Save time to narrow the list of homes to ones that fit your price range
- Discover any credit challenges early in the process we can resolve them at the beginning of the process
- Confidently make an offer as soon as you find your dream house
- Sellers will consider your offer more strongly with a prequalification letter over one that is not
- Your agent will ask for this as it improves your chances of getting the house you want
There are no fees or costs to getting pre-qualified, but it is a vital step in the home buying process. Call us today!
What is the difference between Prequalified and Preapproved
Prequalification: This is an overview of your credit profile that is an important step to writing offers for new homes and one we highly recommend. It just means that you have not submitted the documentation that will be required to verify your income, financial statements showing enough assets to close and you have not yet met the underwriting guidelines of the program you are going to select once you find the home of your dreams.
Preapproval: If you have a little more time at the beginning of the process, we always recommend getting Preapproved. A preapproval is the start of the formal application process before you find the property and is more thorough review of your financial position and ability to qualify for a home.
Why get Preapproved for a Mortgage?
- You’ll be able to move faster to find the house you want
- Most of the paperwork will be out of the way so you can close your loan faster
- You will be able to move to the top of the offer stack as your income, assets, and ability to buy has been verified
- Sellers know you will be less likely to have a delay in closing
- In competitive markets, this is another feather in your cap
Mortgage Loan Process
Buying a house is one of the biggest decisions you will make in your lifetime. Our goal is to make the process as smooth and hassle-free as we can. Understanding the process will give you the knowledge you need to get started.
- Step in Getting Prequalified or Preapproved
- Application
- Processing
- Underwriting
- Closing
You can get a loan before you even select a home. One of our home loan experts can perform a pre-qualification or pre-approval so that you’ll have a good idea of how much you can afford. Once you’ve found a home, and a seller has accepted your offer, you are ready to move to the Application process.
Once you’ve selected a home, your home specialist completes the mortgage application, gathers information about the property you want to buy, and collects personal information, such as income, assets, and employment history. For a complete list of information that you need to provide, see the Application checklist.
Once your application is complete, a loan processor reviews your file and verifies your information. We order a credit report to determine your credit history and credit score. We also order an appraisal of the property.
An underwriter reviews your file and determines whether your loan will be granted and issues the loan approval. The underwriter may request additional information during this review process.
Once the loan is approved, the closing process begins. Our closing department prepares closing documents and sends closing instructions to the title agent. The title agent is responsible for examining the title of the property and working with you for an acceptable closing date. At the closing, you’ll sign papers, pay closing costs, and finalize the transaction. Now it’s time to move into your new home.
Lower Payments*. Consolidate Debt. Pull Cash Out.
*By refinancing your existing loan, the total finance charges may be higher over the life of the loan.
Should I refinance my house?
First, start by asking yourself one of these questions.
Has your income increased? Do you need to consolidate debt? Has the equity in your home increased? Do you need money for a major expense? Has your credit rating improved?
If the answer is yes to any of these questions than we encourage you to call one of our home loan experts to give you a refinance evaluation. It costs nothing but could save you thousands of dollars in interest, pay off high balance credit cards, or help pay for college or unexpected expenses.
Knowing your options is the most import part of the refinance decision so Call us today!
What is a Cash-Out Refinance?
As you pay down your mortgage or as home values increase over time, a cash-out refinance allows you to use a portion of your equity and turn it into cash. The great news is you can use that cash however you want. Home improvements, unexpected expenses, college tuition or just to check a destination off your bucket list.
When is the best time to turn that equity into your house and use it as you see fit? That answer is up to you and can be used to fit your current needs.
Some of the more chosen reasons for utilizing a cash-out refinance are to:
- Remodel of you home
- Pay off high-interest credit cards or auto loans, neither of which is tax deductible like mortgage interest
- Help with life events like a growing family
- Bucket List Reduction
- Elimination of student debt
What can you do to update/upgrade your house with a Renovation Loan?
A renovation loan will let you do almost anything with your home. Some loans are used on smaller projects like ordinary repairs or cosmetic updates. These types of renovations loans typically don’t have minimum loan requirements for the repairs or upgrades you want to make to your home. These loans are limited to non-structural repairs with maximum loan amounts around $30,000.
With these types of loan, you can improve things like:
- Repairing or replacing your roof and gutters
- Redesigning your kitchen or bath
- Landscaping or adding a deck
- Buying new appliances
- Getting new windows, doors or floors
- Making your home energy efficient
- Upgrading plumbing, electrical, heating or cooling systems
- Ask a home loan expert (bolded and hyperlinked to find a loan officer)
Need to do more extensive renovation? We got you covered!
We have other programs that are specifically intended to make major repairs or changes to your home. These will have a minimum loan amount but the good news is you can borrow up to the value of your property plus repairs/renovation. Here are some examples:
- Room additions or adding a second floor
- Major remodeling that requires structural work
- Foundation or other structural repairs
- Projects over six months
What is the difference between a fixed-rate and an ARM mortgage?
A fixed-rate mortgage offers an interest rate that is steady throughout the life of the loan. Fixed-rate mortgages offer the security of always knowing exactly what your monthly loan payment will be. The interest on ARMs can fluctuate (up or down) periodically. The interest rate on ARMs offers an opportunity to save on interest costs. However, you are protected from rates getting too high, because a safe ARM has annual and lifetime rate caps, which limit how high your rate may go.
KNOWLEDGE CENTER
MORTGAGE PAYMENT CALCULATOR
Estimate your monthly mortgage payment using the calculator below. Simply enter the purchase price of the home, loan term, and details about the home loan. Please note that escrow for taxes and insurance is not required for loans with down payments more than 20 percent. Some of this information may be difficult to determine on your own; please contact a mortgage specialist to review the most accurate monthly mortgage payment for the area you are purchasing.
