Just and around great person to deal with. Very pleasant to work with and very responsive.
Travis H Feb 04, 2024
Becky above and beyond to answer every question and to make this a smooth transaction.
Cathy C Jan 27, 2024
Absolutely loved Ms. Becky! I’m a first time buyer and she was extremely patient with me and did everything to help me close on a dream home!
Irma L Nov 29, 2023
Everything was great I just love the time they took with me...
Shaquilla W Nov 22, 2023
I loved everything about the whole process. Mrs Becky is the best
SheJayla S Nov 22, 2023
Mrs. Becky was amazing!! She was very patient with me and made sure that I had everything that I needed!
Adora W Nov 14, 2023
Ms.Becky was very helpful
Angela S Nov 10, 2023
Great to work with and very helpful!
Breanna B Nov 09, 2023
Becky helped navigate us every step of the way. Being first time buyer she made sure I understood what everything was.
Heather L Oct 31, 2023
Beck is the BEST! She made sure to make me happy at all times. She went above and beyond fir me and im so grateful God brought her into my life to help me through this process.
Anshaneia G Oct 29, 2023
Becky made it Great! She took us by the hand and walked us through our VA loan experiences. We’ve bought a home before but had never used my husband’s VA loan. She was excellent!
Valarie R Oct 29, 2023
Communication through the whole process. Very patient with me when answering questions.
Tisha P Sep 30, 2023
You went above and beyond thank you so much!
Kyle W Sep 26, 2023
Great communication and very great help with the buying process.
Richard H Sep 19, 2023
I couldn’t have asked for a better company to work with. Becky was wonderful.
Amy S Sep 19, 2023
Commucation and information
Charlotte H Sep 14, 2023
Ms. Becky was so helpful with everything. From answering all my questions to making this process so stress free. She really treats her customers like family. I cannot recommend this sweet lady enough!
Kandice N Aug 06, 2023
The best ever
Angela J Jul 05, 2023
She is very good at her job and she is prompt and very helpful with the whole process of buying a home.
Herman C Jul 01, 2023
Randal C Jun 13, 2023
I love Mrs. Becky like a mother! She went above and beyond during this process!
Mysty H May 25, 2023
Becky is the very best! Highly recommend!
Mickey J May 20, 2023
Becky is knowledgeable and patient! She made my first time home buying experience a breeze!!!
Kourtney W May 19, 2023
Mrs. Becky Mason is so helpful in every way possible to make the process much easier and quicker than we thought!
Donnie N Apr 29, 2023
Becky is amazing!! You made this process easy for me. I appreciate you so much!!! Thanks a million for taking care of my family not once but twice!!!
Deloris H Apr 28, 2023
The whole process
Brandon H Apr 28, 2023
Becky treated me like I was family not just client. She went over and beyond to make sure we got our home. Thank you Becky
Sharron R Apr 10, 2023
The overall experience was great. She kept me informative. Provided feedback to every question asked. The process was quick and smooth.
Kimberly E Apr 08, 2023
Becky is great
Angela Jo M Mar 27, 2023
The conversation that you have with ms Becky makes the whole experience great
Cherneicshia E Mar 04, 2023
Everything was awesome
Tyrone F Feb 23, 2023
Ms. Mason was very attentive and informative during our buying process and made sure everything went smoothly.
Waveunta J Feb 16, 2023
Her communication stills were amazing and she was very patient with us. She was step by step with us and very honest with us.
Ashley M Feb 05, 2023
Becky was easy to talk to and very helpful walking me through the process.
Parker B Feb 03, 2023
This was the easiest home buying experience ever.
Angela N Jan 08, 2023
Becky was there for me and I could call anytime and she would answer
John I Dec 24, 2022
Becky was easy to work with and knowledgeable.
Amy T Dec 19, 2022
April W Dec 18, 2022
Becky was very responsive in answering my questions and helping with the overall process from start to finish!
Daniel W Dec 14, 2022
Becky Mason is absolutely the best to work with. Very professional and thorough. When Becky is on the job you have no worries.
Charles W Dec 13, 2022
Great customer service
Charles B Dec 10, 2022
Becky was there from beginning to end. She answered all my question and even teach me some things
Erika L Dec 01, 2022
Always available and answered all questions and answered questions without being asked and provide all information before moving forward on any paperwork or signing.
Joseph J Nov 20, 2022
The hold team
Eric J Nov 07, 2022
She was Honest and Direct with the information we needed to purchase our home.
Tamiko R Nov 01, 2022
Becky Mason stayed on top of everything and always informed us what was happening and letting us know what we need to do. She was very helpful and nice. We really enjoyed her helping us with our home buying. Becky Mason is wonderful.
Gregory P Oct 28, 2022
Very helpful and prompt. Did everything in power to make our experience easy and smoothly. We appreciate it so much.
Natalie B Oct 24, 2022
Communication was clear and timely
Christy L Oct 12, 2022
What made my experience so great was the help from her every step of the way without her I don’t know what I would do. She is one great person to do business with and I would Recommend her to anyone thanks again.
Jessica W Oct 08, 2022
Becky was extremely easy to work with and helped us though the process step by step. Wish we could rate higher!
William B Sep 12, 2022
Mrs. Becky led us through the entire process. Without her expertise we would have been lost. She is the best in the business.
William H Sep 12, 2022
Becky is an awesome agent. She made the loan process easy and she was always available to answer any of my questions. I would highly recommend her to anyone
Sonya S Sep 07, 2022
It was stress free no worries
Calvin W Aug 31, 2022
Jill B Aug 31, 2022
Becky is AWESOME!
Billy B Aug 31, 2022
Mrs. Becky treated me like family!!! She took her time and explained things to me well! She even did after hours calls with me and my husband due to him working crazy shifts! There was never a point throughout the process where I didn’t understand anything! I can’t thank her enough for being so helpful during this process! Will be referring her to everyone that wants to purchase a home.
Tiffany M Aug 17, 2022
Becky Mason made my mortgage shopping experience very easy. She is a pleasure to work with.
Nathan M Jul 31, 2022
everything went as smoth as glass
Bruce M Jul 13, 2022
The knowledge and understanding of the first time home owner experience and the patience that was given!!!!
Teresa L Jul 05, 2022
Very professional and the whole process was seamless.
Cathy B Jul 05, 2022
Becky and Kim. I send all my clients and friends to them.
Carol A Jul 05, 2022
Becky and Nicole were amazing to work with. They helped us throughout the process and made sure we understood the documents needed. Becky went above and beyond to make sure my questions were answered. Quick responses and eased my fears about the financial aspect of getting a mortgage loan.
Shanita L Jun 20, 2022
It was a great Experience throughout the whole process
Good communication Becky and her team was
Very helpful and caring
Always there when needed made sure I understood everything
I’m am very pleased and satisfied 🥳
Leon A Jun 15, 2022
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.