Anna S Feb 01, 2024
Denise help me in every way possible and made everything go as smooth as possible
Sadie M Oct 02, 2023
Denise was very thorough and professional. Great personality!
She made our purchase very easy.
John P Sep 27, 2023
Any questions or concerns were addressed immediately. She is always very kind and professional.
Lisa P Sep 26, 2023
Kalie C Sep 16, 2023
Everyone was very helpful with any situation that came about and Denise was extremely helpful when I didn’t understand something and explain it to me.
Nathan H Sep 14, 2023
Denise is very detailed. She worked very hard on my deal and there was no way I could have done it without her! She is amazing!
Earl S Aug 30, 2023
Wonderful help to me as a first time home buyer
Zackery H Jun 17, 2023
The communication and Help that we received was amazing! Went beyond measures to help us in every way she could!
Aubrie H Feb 22, 2023
Denise really made out house buying experience a breeze!!! It was out first time buying a house and she made the process for us understandable and broke down what we didn’t understand! Highly recommend Denise! She’s amazing!
Hannah E Jan 17, 2023
Everything was so easy!
Hayden F Nov 05, 2022
Her patience with us and great communication about everything going on
David B Nov 05, 2022
Denise was hands on at all times ! Any questions I had she called me back and help me each time !
Vicki H Nov 04, 2022
The help Denise and her staff did excellent
David Y Oct 04, 2022
She did everything she could to help!! Made it very easy for me
Cameron T Sep 27, 2022
Denise is very personable and helpful.
Natalie D Sep 27, 2022
Denise made everything so easy! Thank you so so much for ALL of your help!
Maegan P Aug 29, 2022
She was great and listened and helped us.
Evan L Aug 24, 2022
Caring attitude and communication
Lane B Aug 23, 2022
Great communication & works hard to give best option
Danielle J Aug 22, 2022
Everything was made so simple and easy.
Jeffrey P Jul 09, 2022
Denise explained each documents and kept it touch throughout the whole transaction. Well done..Thank you !
Debera H May 28, 2022
Denise is amazing. If I had to do this loan process all over again I would choose her again.
Demetrice T May 20, 2022
Denise was so great. She was always available to help and she did professionally.
Connie R Apr 25, 2022
Denise is knowledgeable and so helpful in every step of the process. She represented my interests and kept me informed. I appreciate her so much!
Penny A Apr 04, 2022
Denise Druml is Awesome. She is the Number 1 go to Woman for all my loan deals. And we will be doing many more in the Future!!!!!!!
Brock R Mar 30, 2022
Communication throughout the whole process
James S Mar 28, 2022
Denise worked quickly and communicated excellent and efficiently to get the job done during and after business hours. She was fast to respond and polite and closed us in 3 weeks.
Jerica L Mar 25, 2022
She was always available when we needed her.
Melissa C Mar 18, 2022
This excellent Loan Team always went above & beyond in every way..I’ve given info to a coworker who is in search of a life time home. They will definitely not go wrong…
Jennifer H Mar 14, 2022
Denise Druml was amazing to work with!
Wayne S Feb 16, 2022
Just overall very helpful
Alyssa S Feb 02, 2022
I loved her personality and the way she would talk to me after hours.
Alicia B Dec 08, 2021
Denise was ALWAYS available to answer my questions and help me gather the information I need.
Alexis J Dec 03, 2021
I was explain the whole process and if I had any questions they explained it so that I could understand very easy to work with
Jeffrey B Nov 30, 2021
This was by far the smoothest and easiest refi we’ve ever done. Everything was perfect and stress free
Jennifer C Nov 29, 2021
Denise is a rockstar! Start to finish she went above and beyond to make things happen. 14 day closing!!!! I will never use anyone else!
Tina S Nov 13, 2021
Denise did a great job keeping us informed on on everything that was going on.
Chase M Oct 03, 2021
Denise made the entire process stress free and easy.
Darin B Sep 27, 2021
She is the best!!!!!!!
Antha M Aug 06, 2021
Denise is the best she sweet and kind I would always go to her and send friends and family to her
Jacqueline G Jul 24, 2021
My agent was very pleasant and patient with me on this long journey of getting in my home. She answered all questions and made this journey easy. Thanks Ms Denise
Carl W Jul 20, 2021
Really awesome service and highly recommend you to all my friends
Clark T Jul 08, 2021
Mrs. Denise made the process of buying my first home very easy! Throughout the entire process I was a nervous wreck but she took the time to help reassure me that everything was going to be okay and she would take very good care of me. She did just that! I can’t thank her enough for everything!
Ashley T Jun 28, 2021
Denise is awesome. This was my second experience with her and Eustis mortgage. I wouldn’t hesitate to use them again. I loved having the app to track the process! That was an awesome bonus feature this time around.
Victoria K Jun 23, 2021
There was good communication and when I needed a question answered it got answered
Mason D Jun 19, 2021
The Best Lender around!! Thank you for always making this process easy!!
Michelle L Jun 19, 2021
Denise is very fast to contact you and make sure all the necessary paperwork is ready for you to close on time! She is dedicated and one of the best!
Alexia A Jun 16, 2021
Eustis is the place to go for your next home loan. Contact Denise Druml for a worry free experience.
Jordan L May 26, 2021
Denise is the best! Can’t wait for our next closing!!!
Tracy M May 14, 2021
Denise explained everything to me along the way to close. Answered every question I had and made it a pleasant adventure.
Pamela N May 02, 2021
Denise was magical! Made the whole experience great!
Thomas K Apr 19, 2021
Denise never gave up on the deal even though we had some obstacles due to the pandemic.
Philip F Apr 04, 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.