April was able to answer all our questions.
Reva P Feb 08, 2024
She was able to get everything processed quickly to meet my needs for closing.
Cortney G Jan 10, 2024
April was incredibly helpful to us!!! She set us up for success and answered every question we had about purchasing our new home! So thankful.
Jacob G Nov 30, 2023
April is not only professional but also extremely knowledgeable and a joy to work with.
Callie R Nov 14, 2023
April and Jordan were absolutely amazing with returning phone calls and emails. They both made sure we were included every step of the way and were very patient with us. They went above and beyond to get required documents and explained everything thoroughly.
Jason R Oct 25, 2023
They are the best!!!! Will definitely be using them in the future.
Joshua C Oct 25, 2023
April was extremely responsive and answered any questions I had about the process. She was great to work with!
Keely C Sep 03, 2023
Great communication through the whole process!
Jose C Aug 13, 2023
Great customer service! Quick responses! Employees are very reasonable!
Tyler R Aug 03, 2023
April is amazing and so supportive. I recommend her to everyone
Sheri M Jul 20, 2023
April helped guide me through the whole process. Gave me advice to raise my credit score. Without her services I don’t think it would’ve been possible for us to buy our new home.
Jacob Y Jul 09, 2023
Detailed and made our home buying easy and fun.
Jovel C Jul 06, 2023
April and her staff treated my family’s and myself with the utmost professionalism and kindness! It was an absolute pleasure to be her client!
John A Jul 02, 2023
Always in contact with us
Justin G Jun 18, 2023
Ease of prices due to great help from April abs her team.
Krista B Jun 07, 2023
April and her team informed us about every step and got everything ready for closing early.
Crystal B Jun 07, 2023
April was great at explaining the process to us and keeping us informed.
Lee B Jun 03, 2023
April is so efficient and detail oriented. She is an excellent communicator. We would recommend her anytime.
Melissa R May 16, 2023
April is the best. She made the process so easy.
Robin R May 04, 2023
Super easy process
Quentin L Apr 21, 2023
April and her team always go the extra mile to ensure a smooth closing.
Lisa L Apr 10, 2023
From start to finish the professionalism and Curtesy was profoundly annotated through all interactions which were all virtually executed. The level of expertise April and her team displayed were highly admirable and impeccable.
Christopher F Apr 01, 2023
Associates were professional and helpful.
Albert H Dec 17, 2022
Interaction with entire team very professional and helpful.
Lee H Dec 13, 2022
E sign docs was great and customer service was great.
Richard B Nov 18, 2022
Phyllis S Nov 02, 2022
Very good communication.
Clarence S Nov 01, 2022
Y’all just made everything easy and present!!
Mat G Nov 01, 2022
April and Team made my wife and myself feel like family. They cared for us as people and not as just an account number. They let us know what was happening the whole time and answered our millions of questions and never seemed irritated or frustrated with us and our new home buying. We had a complicated case and they ROCKED IT!!
Amanda S Oct 17, 2022
April treated us like family and not just an account number. She was available anytime we needed her and never made us feel like an inconvenience.
Melissa S Oct 17, 2022
Good communication & quick responses.
Tasha W Oct 11, 2022
Thank you for all your support and to your excellent team of collaborators
Manuel S Sep 29, 2022
April is a tremendous professional and we could not be happier!!!!
Ernesto S Sep 28, 2022
Benjamin T Sep 07, 2022
Everything April does is top notch. Thank you again for making this happen!
Bret B Aug 18, 2022
April & her team always go above and beyond to serve their clients well! Just a smooth and pleasant experience all the way around!
Dee G Jul 27, 2022
April and her staff kept us up to date on the process. We were instructed and guided wonderfully
Fabian R Jul 05, 2022
April and her team were so helpful every step of the way.
Rebecca W Jun 15, 2022
I have gotten multiple mortgages from verity.
April and Jordan always go above and beyond to make sure every loan is successful. Those two are true assets to verity!!
Albert P Jun 15, 2022
We were kept informed every step of the way. Everyone we dealt with was knowledgable and very patient. An absolutely smooth transaction.
Almond R May 04, 2022
April was always available and had answers when we had questions.
Stephanie W Apr 29, 2022
Easy ways to turn in paperwork. Great communication and quick responses to questions.
Christopher B Mar 23, 2022
April and her team were quick to respond and answer any questions. They did a fantastic job!
Drew P Mar 11, 2022
Kurtis B Feb 13, 2022
Overall it was a great experience! Communication alway came in a timely manner and closing went smoothly.
Lisa L Jan 29, 2022
April and her team are always on top of things. You never have to wonder what’s going on with your loan because they let you know every step.
Brendon J Jan 05, 2022
This is our second time to use April and the team at Verity. We were once again pleased with everything getting done as needed.
Jeremy S Dec 29, 2021
It was a very easy and painless experience. It felt right the whole time
Logan L Dec 27, 2021
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.