Received excellent communications and in a timely manner during the entire process. Personal interaction was very pleasant
And I felt our needs were being met. Altogether the best experience I have had during this process.
Annabelle M Feb 13, 2024
The whole mortgage team. They worked tirelessly to get me in my home. I couldn’t possibly be more appreciative.
James W Jan 29, 2024
Marie L Oct 26, 2023
Christine is diligent and very responsive when communicating. She went above and beyond expectations when working with us to get our loan for our new home.
Elizabeth D Oct 12, 2023
Fast and very informative
Jonathan L Oct 02, 2023
The extra handholding for me as it was my first refinance!
Kristin H Sep 23, 2023
Christine worked so hard for us and got us in our first home!!
Lydia O Jul 24, 2023
Christine is an awesome lender. She took the time to explain the entire process to me. She always available to answer my questions and she was very reassuring.
Franklyn S Jul 20, 2023
Christine worked tirelessly to make this happen for us. We appreciate her efforts.
David C Jul 01, 2023
This experience was a million times better than the closing I had to go through for my last house. I am not exaggerating at all when I say how amazing Christina and Stacey were in this process. AMAZING I TELL YOU! Every question I had was answered. I was never left waiting. And the best part is I was easily able to upload everything they needed which made this process so much easier and not stressful at all. I would recommend Christina 1000000 times over.
Lauren M Apr 26, 2023
Christine and her team made the entire process very easy and went above and beyond throughout.
Justin R Mar 30, 2023
Christine was very helpful through the whole process. I’m a first time home owner so I had a lot of questions and was pretty clueless. She was was amazing to work worth!
Cassandra G Mar 23, 2023
Lorraine G Feb 28, 2023
Christine stayed in constant communication with me sharing all my options so that I could make the best decisions.
Dianna V Feb 15, 2023
Christine was always available to answer my questions and she made the whole process comfortable for us.
Lindsay B Jan 11, 2023
Good communication and worked hard to close in under 20 days.
Daniel H Dec 17, 2022
Christine and the team was great to work with. Thank you
Bruce P Dec 06, 2022
Very helpful very quick process
Bryan M Dec 04, 2022
Great communication and very responsive to questions.
Melissa P Dec 02, 2022
Good overall people.
Kai R Nov 30, 2022
When I had questions via email or phone calls Christine always had a timely response.
Timothy A Sep 27, 2022
she was awesome!!
Katelyn C Sep 19, 2022
Luis A Aug 20, 2022
Christine amd Stacey were extremely helpful and made the overwhelming act of buying a home smoother than I thought was possible. Always there w info or answers to any questions around the clock. I have already referred a handful of people to them. I’m very grateful.
Randy K Aug 04, 2022
Christine made the whole process very easy. This was my first home purchase and she was able to answer any questions I had. We were able to complete the whole process and close in 30 days.
Matthew L Jun 20, 2022
This was complex refinance with rates climbing. The rate was locked closed on time and saved considerably. Thanks everyone for your personal and professional services. Very much appreciated.
John G Jun 17, 2022
Christine was excellent as she made the whole process very easy.
Ross L Jun 15, 2022
Took care of everything found a way
Amy D May 24, 2022
Professional and quick service. No delays. Outstanding service!
Shan M Apr 12, 2022
The phone answering at all hours.
Rebecca J Apr 11, 2022
Christina was excellent
Scott S Mar 03, 2022
Christine and Stacey were awesome.
They were great with the entire process.
Eustis made it super easy for us.
We will reccomend Eustis Mortgage to everybody we can.
We love our new home.
Alyssa J Feb 16, 2022
Answered all my questions to help us understand the process.
Very supportive & positive from start to finish. Extremely efficient. Very helpful and honest. Always made sure we understood what we were doing and made us feel comfortable with the process.
We learned a lot.
In my experience they were much more willing to help and get us through the the process smoother and faster than other Mortgage companies.
The whole staff was equally helpful and efficient.
We appreciate Eustis Mortgage for doing business with us.
We love our new home.
Kevin J Feb 07, 2022
Christine and her staff did an amazing job assisting me through the loan process! I will definitely choose Christine for any future home purchase or refinancing!
Roger W Feb 07, 2022
Christeen Worked hard to get the loan done. Tks
Jesse B Jan 20, 2022
I enjoy working with Christina. Very nice to work with.
Michele M Jan 09, 2022
Christine was very friendly and walked us through the refinance process without any problems. We will definitely refer her to anyone we know.
Diane W Jan 08, 2022
She had to jump though major hoops for us and she came through very time.
Deanne R Jan 02, 2022
Everyone was easy to work with and very helpful got the deal done very quickly
Charles S Dec 14, 2021
Excellent communication and great customer service
Jamie L Dec 03, 2021
Friendly Fast and Fantastic!!!
Rimy G Nov 17, 2021
Armando M Oct 28, 2021
It’s always a pleasure to do business with Christine. Thanks for all of your time and help. 😀
Jade M Oct 27, 2021
Lots of patience. Was willing to go the extra mile to help us out and get the loan
Harold B Oct 20, 2021
Christine is very personable and thorough. She was extremely easy to work with and very helpful.
Kathleen B Oct 09, 2021
Christine and the Eustis team make the loan process easy! They have the BEST rates and service in the Northshore!
Dana J Oct 07, 2021
Nancy H Sep 10, 2021
Closed in a timely manner. Very happy with the service received. Thank you
Nadine R Aug 08, 2021
Amazing customer service from all the staff I was in touch with speed in which loan was completed and ability to get me a lot better rate then any other company have already recommended Christine to other family members she was a life saver let me from going to a higher interest rate through other companies and less money
Jim B Jul 11, 2021
Low rate and low closing costs.
Mark G Jul 08, 2021
Everything was seamless and comfortable. Nothing seemed forced.
Felicia F Jun 30, 2021
Great company to deal with.
Christopher C Jun 16, 2021
There is never a time I can not reach Christine Carona. She works diligently with my clients to ensure their satisfaction. I would highly recommend her to all of my clients.
Jeannette K Jun 07, 2021
Christine went above and beyond for our family. The process was very smooth and easy. She even stayed late one night to lock me in at a fantastic rate. I am appreciative of her. She will be my go to person going forward and I will advocate for her.
Jesse H Jun 05, 2021
Ms Christine gave me a great experience!!!!
Aleshia C May 28, 2021
Did everything thing she could to make it go smooth
Michael T May 16, 2021
Excellent service as always!
Wanda F May 11, 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.