I have never had any issues getting all the documents and closing done. Houston and his team do a great job in the process and make everything happen very quickly. Thanks again!
Gregory H Feb 08, 2024
Kristina Cantu made it GREAT! Kudos for her communication skills and knowledge. Couldn’t have done this without her!
Jessica M Feb 01, 2024
The whole experience just felt as if getting our home was just as important if he was trying to get his own. One mission
Alison P Dec 15, 2023
We were very informed throughout the whole process. The process was also extremely quick and we were in our dream home in less than a month.
Angela Y Dec 15, 2023
Great Support all around from start to finish
Chase K Oct 31, 2023
It was a stress free process. He did a great job at answering questions I had. I would highly recommend him to anyone.
Joe C Aug 03, 2023
The constant updates and communications.
Ramon J Jul 30, 2023
Everyone was attentive and great to work with.
Jordan D Jul 19, 2023
The Hard work you all do
Jorge T May 24, 2023
Alejandro J Apr 25, 2023
Houston and Becky were simply amazing at every step of the process. They were able to get us approved and ready for funding in approximately 14 days. They were available at all times of the day and answered all the questions we had from beginning to end. Their customer service and results were exceptional! I highly recommend their services and will definitely be using them again in the future.
Alejandro M Mar 29, 2023
Fast and friendly!
Efraim V Mar 07, 2023
Houston was always very responsive and kept me in the loop at all stages of the financing process.
Dave J Feb 22, 2023
Houston was very responsive and explained all the steps very clearly.
Donna J Feb 14, 2023
The whole process was fast and streamlined
Juan C Feb 14, 2023
Fast and easy closing.
Michael C Jan 30, 2023
From the beginning the help was amazing throughout the whole process in obtaining our house very professional am glad I turned to Eustis for my mortgage.
Rafael G Jan 25, 2023
Houston did a great job of closing us fast and locking down our rate as they went up. He also provided excellent advice on trends in the real estate industry. I give him my highest recommendation!
Jeffrey W Jul 05, 2022
The company was focused on the job at hand. Attention to details was amazing. It all happened at very quick pace. The people were friendly extremely knowledgeable and efficient.
What a Great experience.
Roy H Mar 19, 2022
What made it great is that Mr. Dunkin was knowledgeable enough to answer all our questions and provided us with precise information.
Calixtro E Mar 14, 2022
Houston has always been great to work with. I really appreciate his services.
Michael H Jan 16, 2022
The fast service and friendly staff.
Jose M Dec 09, 2021
The continuous followup.
Doak D Nov 17, 2021
I loved the level and frequency of communication. I always knew what stage the loan was in. Thank you for your fast and efficient work. You all are amazing!
Erika C Nov 10, 2021
The whole process ran very smoothly and quicker than I anticipated. The staff was very polite and quick to respond to both emails and calls. Staff was always available. It was definitely a great experience.
Evelyn G Sep 08, 2021
Thank you and staff for all the help and to make this happen.
Isidro S Aug 27, 2021
Houston Dunkin did more in 1 weeks time than Chase did in over 45 days! The communication was great with his team. The involvement they had with my realtor and myself was great. I knew what was going on through my loan process daily. We had my loan completely processed in 2 weeks!!!
Mitchell B Aug 13, 2021
Quick to respond! Great experience!
Natalie G Aug 09, 2021
His outstanding help allowed us to close on our new house in 2 weeks. We greatly appreciate it!
Robert G Aug 06, 2021
Great customer service. You and your staff provided professional and courteous service. The loan process went very smoothly thanks to you and your staff.
Carlos D Jul 29, 2021
They get it done!
Vicki L Jul 29, 2021
The professional service you and your staff provided throughout our journey is what made the experience GREAT. Thank you for always offering any and all assistance we needed during this process.
Rebecca D Jul 29, 2021
Fast and Friendly process
Christina S Jun 28, 2021
Houston explained every step of the process and made it easy. Thanks again for all of your help.
Cristiani W Jun 08, 2021
Houston was amazing to work with and very responsive. I would recommend him and his team to anyone.
Michael H Jun 07, 2021
Houston was expeditious from start to completion of our loan. He was professional and easy to work with. We were impressed by his work ethic to get our small loan done and look forward to working with him on future endeavors.
Sarah H Apr 27, 2021
Very fast and easy process
Wakira P Apr 24, 2021
Mr. Dunkin is awesome and always available. He keeps in constant communication throughout the whole process and explains process in detail to my customers. I highly recommend him.
Yuri M Apr 19, 2021
Customer service and guidance along every step of the way. Always communicated in a timely manner as well. Very pleasant and cooperative.
Jenise F Apr 12, 2021
Lots of questions and hoops to jump through that did not make sense to me but Houston and Becky took time to help me understand why these things were needed and ultimately got me closed with a great rate.
David D Mar 09, 2021
Everything was simple to email or upload. The communication was great and we got to close early. I did my part getting all documents turned in immediately and they returned the favor of keeping my loan moving right along and communicating well. It was a quick and smooth transaction.
Thank you team Finance Home America!
Arthur S Mar 09, 2021
Great support all throughout my first home purchase; staff was understanding and willing to work with my needs.
Miguel M Feb 04, 2021
Real time communication and ease of service.
Hector M Feb 01, 2021
Quick and easy. No hassle. Just a smooth transaction. I will be doing business with Houston Dunkin again.
Alejandro D Dec 31, 2020
The expedited process and vast knowledge/experience
Gabriel A Dec 20, 2020
Awesome experience with the lender and his amazing right hand person Ms.Becky!!! Made this process easy
Brittany C Dec 17, 2020
Cassandra G Nov 06, 2020
The whole process was made easier because Houston was constantly in communication with us and letting us know exactly what we needed and when.
Erin H Nov 03, 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.