An absolute pleasure to work with. Made the home buying process easy.
Melissa M Feb 21, 2024
Audrey was readily available to answer all my questions.
Linda P Feb 01, 2024
Audrey went above and beyond to make sure our deal could work! Great experience!
Sarah L Jan 23, 2024
Audrey made my loan process pleasant and smooth. She responded to all of my emails quickly and found answers when needed. I will definitely use her when I refinance!
Rebecca T Jul 19, 2023
Thanks for the hard work Audrey!
Glad you were always ready to answer any questions.
Placido H Jun 13, 2023
I appreciated your professionalism and that you also made me feel very comfortable throughout the entire process.
Betty M May 27, 2023
Audrey was very helpful in making sure we were always educated on what was going on and was excellent at communication!
Jonathan D May 16, 2023
Audrey answered my texts on weekends and helped with everything!
Autumn J Feb 09, 2023
From start to finish everything went very smooth and fast. Courbet happier
John H Sep 12, 2022
Audrey is awesome!
Joel W May 27, 2022
Provided excellent guidance throughout my home buying experience.
Patricia B May 08, 2022
Excellent Loan Officer!
Mari F Jan 07, 2022
She was very communicative and informative throughout the process!
Justin R Dec 03, 2021
Audrey was very informative and responsive throughout the whole process. She really made the homebuying process stress free. 10/10 I’ll be sure to refer others to her!
Cedric S Nov 10, 2021
Audrey is an absolute PRO! She blew me away with her prompt work and excellent communication skills. She closed our JUMBO loan in less than 30 day…amazing…and did it with no hiccups. We will not be doing mortgage business with anyone else but her. She has all the referrals from us coming her way!
Alexandra D Oct 07, 2021
Audrey was very prompt and professional! We would love to work with her again given the opportunity arises.
Zachary Z Oct 07, 2021
Audrey was excellent to work with & provided a seamless transaction!
Jillian C Jul 20, 2021
The whole process went great. We had no problems an Audrey went out of her way to help. Very pleased. I will definitely refer to friends.
Tamara H Jul 20, 2021
Audrey is very knowledgeable and her communications were always timely. She made the whole process easy to navigate. I am so thankful we had the opportunity to work with her!
Vicki R Jul 12, 2021
Audrey was very helpful and proactive from the beginning to the end of the process.
Mircea N May 27, 2021
Working with Audrey was such a pleasure. She has great communication and customer service skills. She is super efficient at what she does. I highly recommend her!
Lisa M Apr 27, 2021
On top of every detail and able to explain the process to me
Very very pleasant to work with
Neil T Apr 22, 2021
Smooth transaction from start to finish!!
Andrew S Apr 22, 2021
Everything went smoothly and in a timely manner.
Patricia D Apr 22, 2021
So easy! Worked the deal to our advantage.
Kenneth D Apr 19, 2021
Audrey was always available to answer any questions we had. She made the home buying process painless and easy.
Krystallyne H Mar 14, 2021
Audrey is the absolute best. The communication was very precise and she made the entire transition seemingly easy and the process a lot less stressful.
Hiram T Feb 17, 2021
Great follow up and extremely fast processing!
Richard F Feb 04, 2021
Smooth process all the way through funding!!
Michael C Jan 02, 2021
Audrey was so fantastic! EXTREMELY knowledgeable and made the process so easy! Would recommend her in a heartbeat.
Chase L Dec 21, 2020
Audrey was extremely helpful throughout the entire process for our refinance. She was transparent and very quick to respond to any questions that we had. I have already recommended her to several friends who are considering a refinance.
Connor T Dec 14, 2020
I always get the best reviews by my clients about Audrey!
Judith D Dec 12, 2020
Michael M Sep 18, 2020
your creativity and imagination
David B Sep 02, 2020
Audrey was amazing through the loan process. She was in constant communication with us and walked us through the whole process. would definitely use Audrey again.
Matthew A Jul 23, 2020
Audrey kept me informed throughout the entire process and delivered on every item we discussed!
Christopher R Jul 20, 2020
Audrey is very knowledgeable and has gone above and beyond with the initial purchase of our house and with the refinancing our house. She made it almost effortless for us by providing what she needed from us or helping us get it. She is super sweet and patient. I would recommend Audrey to anyone looking for help with the purchase or refinancing of a home. She is great.
William F May 02, 2020
Audrey does a fabulous job !
Mary J Oct 10, 2019
Audrey was great from start to finish. I was very concerned about rising interest rates from June 2018 and lock in circa feb 2019. Her instinct proved right with the rates actually dropping before closing. She has incredible business acumen and a professionalism unmatched by people in her profession. She was a joy to work with!
Mike M Apr 07, 2019
Audrey told us exactly what we needed to do to obtain the financing we desired. Audrey also helped in obtaining the information if needed for the underwriters by reaching out to my employer to give them a little nudge. Audrey answered any and all of my questions throughout the process no matter when I called. Very good job!
Kaler P Sep 03, 2018
Audrey was amazing and easy to communicate with!
Phillips J Jun 04, 2018
You all made it so easy and even when we had no idea of what we were doing. You handled everything with a calm stready manner making us be able to be calm. Thank you for everything and we would tell anyone and everyone to go through you guys!
Fouts W Jun 01, 2018
Audrey was very understanding. She kept in touch with us through the whole process and kept us updated. She was simply amazing ...
Robin M Oct 21, 2017
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.