The communication and really friendly people!!
Rogers C Nov 05, 2023
You and your staff were awesome
Aubrey M Oct 25, 2023
Willingness to explain things that took the stress away!
Kristin N Oct 21, 2023
Anthony and the team was wonderful! They really made my first home buying experience a great one.
Tate J Aug 25, 2023
The entire team was amazing walking us through buying our first home! Communication was always timely and they patiently answered every single question without hesitation. They got us exactly what we were looking for and we were able to close quickly when the time came. The team constantly checked on us as we walked through the loan process. We are so grateful for them and for a great experience with a personal touch!
Holli C Aug 18, 2023
Best customer service!
Erin G Jul 12, 2023
The ENTIRE A TEAM is amazing! Everyone that we have encountered were very helpful and it was all educational.
Dominic M Jun 29, 2023
Great experience and communication and nice personality 🥰
Tuyonda A May 02, 2023
Communicated with us really well
Timothy T Apr 20, 2023
It was a very quick process and I you all were very friendly and informative.
Jeremy H Mar 26, 2023
Everything was made so easy and explained in detail which was perfect for us as first time home buyers
Lauren H Dec 05, 2022
Anthony and his team working hand in hand with us to reach our goals
Jenny B Nov 19, 2022
The commitment to see our difficult situation through!
Stacie S Nov 19, 2022
Troy D Nov 19, 2022
I was able to maintain awareness of where I was in the process due to the technology that has been implemented. Virtual signing of documents and a completely streamlined process made this an amazing experience!
Celeste C Nov 02, 2022
One word “COMMUNICATION”!
James S Oct 28, 2022
Made this experience fast and easy without any inconvenience to me. Thank again
Todd L Oct 25, 2022
Helpful. Patient and knowledgeable staff.
Leeann O Nov 15, 2021
Always a great experience with Eustis Mortgage!
Carol B Jul 23, 2021
The communication and attention to detail I received with Eustis Mortgage were excellent. All of my questions were answered in a timely fashion and they were extremely courteous and knowledgeable. I would highly recommend Eustis Mortgage.
Alison G Mar 30, 2021
Everyone was friendly and the information was sent in a timely manner and my wife and I were really pleased with our transition into home ownership and will recommend to anyone looking for a home
Chadwick S Mar 26, 2021
Another home closed this week with Anthony Williams and the "A" Team. Always a pleasure and this was smooth sailing. We were ready to close a week in advance of the closing date. The buyers got the loan they wanted at a great rate.
Helene K Mar 26, 2021
Megan Hellensbeck was so wonderful to work with..she took me through the process step by step..she made me feel so comfortable and burden free! I would recommend Eustis to anyone who wants a wonderful carefree and professional experience!
Marie W Mar 22, 2021
Anthony was on spot! Kept my clients in the loop during the whole process and was very helpful! Communication was wonderful!
Nancy K Jan 02, 2021
They have done my loans for years and always dig deep to see what loan product works best for you. Highly recommend.
Christen W Oct 23, 2020
Nathan Tallo was wonderful
Jamie S Oct 18, 2020
Great team to work with!
Dustin B Oct 05, 2020
Great experience with Anthony and his team at Eustis. It was our 2nd time working with Eustis and would recommend them to anybody looking for a fast and easy house buying process.
Zachary G Oct 05, 2020
From day 1 the process was extremely flawless and smooth. We appreciated the communication and willingness from everyone to explain what was needed along the way. It was a wonderful experience. Everyone at Eustis Mortgage was extremely friendly and helpful.
Diane P Oct 01, 2020
Anthony and his team were very quick to respond to any questions I had. Customer service was top notch. I would not have refinanced my home if Anthony had not kept me informed of the dropping interest rate. He kept sending me updates for 4 months without me even asking him to. That’s a guy who wanted to get my business and did.
Daryl D Oct 01, 2020
The attention to detail made the experience great. Anthony walked us through the entire process from being approved to closing. His optimism many times when we felt it wasn’t going to occur was incredible. He was very one on one allowing us to experience buying our first home fairly easy. We couldn’t had done it without the guidance of Anthony. He pulled all the strings and truly made it happen. I will definitely be sending my family and friends to him. Thank you Anthony & Eustis for our new hom
Emmanuel L Oct 01, 2020
Anthony worked hard and was able to get astonishing results for me. Communicating was very easy. Wonderful homebuying experience. Thanks tons.
Dana N Oct 01, 2020
All questions and concerns were addressed very timely and the purchase of this home went as smooth as it can go. I greatly appreciate the team at Eustis!
Michal L Sep 28, 2020
QUICK AND EASY PROCESS! NATHAN WAS VERY FRIENDLY AND KNOWLEDGEABLE
Sonya J Sep 24, 2020
The Eustis team mane my refi extremely easy and stress free. I have used them for one purchase and two refi’s. I HIGHLY RECOMMEND giving them a call. They are very proactive. They will be my first choice in the future.
Robert C Sep 23, 2020
Working with Eustis is always easy and painless!
Kate G Sep 23, 2020
The folks at Eustis Mortgage did a great job keeping me informed and up to date on the needs of the transaction and saved us a bunch of money.
Richard G Sep 21, 2020
Very easy process. Technology to make the whole process streamlined and no problems came up at all. Would certainly recommend.
Michael B Sep 21, 2020
Very friendly and helpful. Overall great experience from start to finish
Austin A Sep 16, 2020
They gave me great information on everything we needed . And they kept intouch with us to let us know whats going on every step of the way .
Derek F Sep 16, 2020
Everything. The experience was priceless!!!
Johnathan G Sep 13, 2020
He made buying a house very easy!
Christopher E Sep 08, 2020
Wonderful customer service. Open lines of communication at all times!
Kade L Sep 02, 2020
Randolph B Sep 02, 2020
Anthony was very responsive and explained everything clearly to me. My refinance process was seamless and easy.
Arianne Z Sep 02, 2020
We want to make your home financing as easy as it can be. With Legacy Mortgage, you can relax while we handle the details.
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!
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
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
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.
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!
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
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
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.
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.