Chris is the epitome of top notch customer service. He is very responsive and diligent to get the job done. I consider myself lucky to have had him as my loan officer.
Gabriel G Feb 13, 2024
Alvaro R Feb 05, 2024
Chris was great to work with and always made himself available to connect with me and answer my questions.
George R Dec 26, 2023
Chris was very good at explaining everything and making this process smooth.
Anthony N Jul 03, 2023
Always in communication and through
Gabrielle B Jan 29, 2023
Chris is always available to answer all questions at all time
Yusuf A Nov 15, 2022
Chris and the team over at Verity did a fantastic job of helping me through the borrowing process. They were able to lock me into a rate well in advance of closing and made the overall process a seamless one. I would highly recommend using Chris and his team to help you in the purchase of your home.
Erick L Jul 27, 2022
Giancarlo P Jun 24, 2022
Chris has very great communication skills. Also he is quick with gathering information for his buyers and relaying information. We appreciate all the hard work and time put into us closing on our new home.
Sigmund C Mar 19, 2022
communication & great advice
Frank R Feb 20, 2022
Chris and his team were very helpful and on top of every step during the process.
Ana O Dec 17, 2021
The all process was great and you make it looks easy to buy a house
Angel V Oct 15, 2021
Great communication with timely follow up
Sarah P Oct 10, 2021
Very responsive and assisted in closing quickly
Andrew P Oct 07, 2021
We had a lot of time to get everything done and Chris made sure to stay on top of everything and not wait until the last minute. He was alwasy available when we called!
Daniela S Aug 27, 2021
Chris help us out from beginning to end and guided us on the right track to get us approved and closed
Luis A Aug 27, 2021
Chris was very very pleasant to work with and very knowledgeable and got us everything in a timely manner. Her really keep us current on the market.
Tongela C Aug 13, 2021
Chris provided timely updates and prompt responses to any questions. I look forward to working with him again.
Jamia S Aug 04, 2021
The entire process was quick and easy. Documents were asked for only once and never “lost” as in other companies. We got a complete list of documents needed from the beginning so it was easy to gather all information at once. Being able to DocuSign was the icing on the cake. Chris was always available for any questions we might have even on weekends and responded quickly with answers.. Thank you Chris!
Susan B Jun 08, 2021
Artemio N May 20, 2021
Very helpful and informative.. thanks for answering all our questions and making the experience easier.
Rosa R May 08, 2021
Good communication during the whole process.
Emmanuel C May 08, 2021
Chris is a great lender to work with. He has always made himself available to answer any questions that come up along the way. I will continue to do business with him.
Sharon P May 07, 2021
Chris responses to text and email very quickly and explains the mortgage nicely.
Keiko M Apr 04, 2021
You can tell Chris is passionate about his job and his clients! He took time to make sure I understood the loan process and what options were best for me. He and Haley were very thorough and detailed and provided timely responses to my questions. I was very pleased with the exceptional service I received.
Kelly S Mar 14, 2021
Great customer service
Ricardo S Mar 13, 2021
Robert C Mar 12, 2021
Chris was very pleasant to work with. He made my loan process less stressful & easy to get through
Amy G Mar 11, 2021
He was the best! Super attentive and answered all my lending questions and any other house questions that I had! I would highly recommend. He was awesome!!
Marisa G Mar 10, 2021
His availability no matter the time of day or of the week. His open communication and transparency as well as the friendliness through it all. A great experience overall.
Ciro D Feb 10, 2021
Smooth operation overall. Would greatly recommend.
Diego M Feb 01, 2021
Chris was wonderful! Made everything super easy!
Taylor S Jan 18, 2021
Chris was very clear and the process was extremely smooth. No unexpected surprises and he was available to answer questions extremely timely.
Andrew R Dec 21, 2020
Fantastic customer service ... I will be moving all my business with Chris!
Bernardo F Nov 03, 2020
Chris went above and beyond to be available for me.
Alexis F Oct 23, 2020
Very responsive to requests and was willing to take the time to discuss any questions I had. Sent plenty of updates.
Neel P Sep 17, 2020
Vanessa G Sep 14, 2020
Chris and his team were always ready to answer all my questions. He made the loan process smooth and easy. I am very appreciative of all his guidance and support.
Oscar P Aug 01, 2020
Great communication with the lender
Kai C Jul 20, 2020
Chris was very responsive and always ready to answer any questions we had. I had an amazing experience and will definitely recommend Chris to everyone!
Chioma E Jul 16, 2020
Chris made sure that I had best home buying experience from start to finish. He communicated very well and answered all of my questions. He made sure everything was taken care of on a timely basis. I highly recommend him to all future homeowners out there.
Ryan R Jul 11, 2020
Byron W Jun 21, 2020
Chris made the process smooth and a easy transition to becoming a first time homeowner . Was very accepting to calls and text with very quick responses.
Steven W Jun 19, 2020
Chris was very good to work with. He was helpful in answering my questions and made the process relatively easy.
Aparna M Jun 08, 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.