excellent service and save time and money she is a GREAT GREAT LOAN OFFICER
Tan H Oct 26, 2023
Chun S Jul 15, 2023
keep up the good work ...
Thao T May 06, 2023
I really like your service
Luyen P Jul 27, 2022
Easy process with good communication
Christopher Y Jun 04, 2022
Ava is very knowledgable. She explained everything clear and let us know what to expect. She kept us updated on every steps along the way. Definitely recommend her to anyone that is looking to applying for a mortgage!
Ha D May 16, 2022
Made my first home purchase an easy and smooth experience.
Danh N Apr 19, 2022
She was very informative and helpful
Emerson H Apr 12, 2022
Ava is the best loan agent who has gone out of her way to get the loan done before the contract closing date. I am so happy to have Ava worked on my loan case and will absolutely refer her future service to me and my friends again. Thanks Ava.
Lien H Feb 03, 2022
Ava is the best 🥰👍
Anh V Dec 12, 2021
Amazing service. Made me feel like I was a priority and would always communicate with me about any problems or conditions. Was always there for us and would absolutely recommend Ava to my friends!
Hong Son H Dec 12, 2021
Mohamed S Oct 26, 2021
very professional experiance. they always made themselves available to answer my questions at a prompt time.
Luis G Oct 20, 2021
Very fast and easy process.
Hung T Oct 13, 2021
Donny W Aug 13, 2021
Ava was always available for us to contact if we had any questions. She works very fast and is able to address all of our issues. We greatly appreciate Ava for all the work she did to make sure our transaction went smoothly.
Victor D Aug 05, 2021
I never thought I could get a loan even a small loan to get a car cause of my credit. but I give it a try and Ava did a really good job getting me a loan to buy my townhouse.I super happy
Dat L Aug 04, 2021
You guys take care of customer good.
Bao-Thu C Jul 24, 2021
Ava was quick with her follow ups and made sure to answer all of my questions. Her and her team made my loan process very smooth. I felt well taken care of.
Peter N Jul 02, 2021
I am super please to work with Ms. Nguyen. She is one of the most responsible lender officer I have ever worked with. She is very attentive with the clients and able to guide them step by step in this loan process. She follows up with the transaction status and was able to answer my client all of the questions they have. I am very satisfy working with her and highly recommend her to anyone shopping for a home in need of loan. She is definitely one of my go to lender person from now!
Edward Y Jul 02, 2021
Ava and her team made the whole loan process so easy and smooth. We really appreciate the great service and how quickly we closed on our loan. Thank you!
Lilian C Jun 15, 2021
Ava was very clear and attentive to my loan. Got all my questions and more promptly answered
Ba D Jun 08, 2021
Fast response time. Helped me close my house on time. Thanks so much.
Kim N Jun 04, 2021
Ava is very flexible with and working with great attitude.
Tu N May 12, 2021
Patrick F May 01, 2021
The communication was great! Everything was fine in a timely manner. Much appreciated!
Judy W Mar 29, 2021
She’s very helpful and definitely tell you what you need to get done
Anh P Mar 26, 2021
We are first timers getting a mortgage to buy our first home and Ava was great with explaining everything to us and made sure we had everything we needed! She is very knowledgeable and does great with communication! Have already recommended her to others!
Viet N Mar 12, 2021
Ava is very responsive to me and my clients. So far I am very pleased with her work.
Chantal L Mar 09, 2021
We have worked with Ava on multiple deal and could not be happier. Thank you!
Nampetch Y Mar 01, 2021
Thank you ! Ana Thuy Nguyen . Great customer services .
Trang H Feb 05, 2021
She doing a very good job on my loan
Hung N Jan 26, 2021
There will be no hidden fees working with Ava. She delivered results!
Kieu T Jan 12, 2021
Ava was exceptional. She explains everything to my clients. She keeps them informed every step of the way. They feel comfortable and confident she’ll get the loan done on time. And that’s very important to me as a Realtor
Dorothy Y Jan 06, 2021
I really enjoyed working with my loan officer Ms. Ava Nguyen. She is really nice and informative and very professional. I would refer her to my family and friends in a heart beat.
Viet N Jan 06, 2021
Ava is always available to help. Communication was great. She always keeps me informed all the way thru the transaction. Great Customer Service
Dorothy Y Jan 04, 2021
Ava is very professional to advise us to go through the loan to get the house! It’s fast and very convenience! I never work with any professional like that! My husband and I recommend her to our friends. Hope they will have same feeling and service like us! Thank you Ava!
Annie N Jan 03, 2021
Communication was great. Rate was very competitive with on time delivery as committed.
Kriangsak C Jan 02, 2021
Ava went above and beyond for us. She was available after hours when we needed her. Which was a great thing since we both worked late. She answered our questions promptly. We appreciated her work for us.
Tri L Jan 01, 2021
She find way and help me make the loan work.
Thuy H Dec 20, 2020
Ava speaks Vietnamese and she is very knowledgeable. I love that Ava would attend the closing with my clients and make sure everything is done correctly until the end. It has been a great pleasure to know Ava and have her number ok speed dial for any loan related subjects. 5 out of 5 stars rating from me!
Vy V Nov 19, 2020
Ava is very responsive no matter its after hours or weekends. She is on top of her game.
Prashant M Nov 18, 2020
Very responsive and helpful. She made my closing process very smooth. Absolutely love working with her!!!
Dan T Nov 06, 2020
Ava has been great in closing deals on many challenging files. It’s great to have been working with her.
Truong V Nov 03, 2020
Ava was awesome and made everything hassle/stress free
Quoc P Nov 03, 2020
The Loan Officer was very professional. She explains everything clearly about the loan process . Will refer friends and family to her. Thanks Ava.
Andrew H Oct 24, 2020
Great communication. Ava was able to walk me through the process every step of the way. I would definitely recommend her to anyone looking to get the home buying process started.
Kenneth L Oct 20, 2020
Ava is the best one to work with. Thanks for your wonderful service!
Lan L Oct 20, 2020
Ava was great at communicating everything in a timely manner. She showed great knowledge in how she guided me through the loan process. And she was pleasant to work with.
Cindi T Oct 13, 2020
Ava was very personable and super friendly! She answered all my questions in a timely manner and was easy to talk to. Thanks again Ava!
Stephen W Sep 19, 2020
Ava was very pleasant and extremely helpful. She went above and beyond so my refinance went smoothly and she make it a pleasant experience.
Christine W Sep 07, 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.