Janice is very knowledgeable and helpful. She answered all my questions in a timely manner. I communicated with her through the whole process and she was always on my side. Highly satisfied!
Melissa G Apr 22, 2023
Great communication and patience with process. Thanks again.
Justin A Feb 28, 2023
YOU made everything easy I feel you were looking out for us.
Douglas B Dec 12, 2022
The great communication we had and the compassionate treatment we felt.
Deanna B Dec 12, 2022
Janice was very nice and she keeps you informed.
Alexis T Sep 26, 2022
Very easy and simple!
Brittney C Aug 31, 2022
Janice is wonderful at communicating and explaining everything!!
Vivian B Jul 09, 2022
The process was easy and Janice made sure we were fully taken care of .
Zachary L Jul 09, 2022
Very pleasant & easy.
Betty G Jun 14, 2022
Janice was awesome to work with!
Joanna M May 31, 2022
Janice did a awesome job!!! Thank you so much
Bertha M Apr 14, 2022
Easy to work wit
Paul J Apr 12, 2022
It was the easiest closing I have ever experienced.
Paula O Apr 08, 2022
Great communication and service.
Kyle O Apr 04, 2022
Janice was always there when we needed her.
Jeffrey S Mar 30, 2022
Janice made it a pleasant and informative experience.
Timothy F Mar 27, 2022
Janice is very patient in making sure we understood every document we had to sign and especially our payment options with paying our monthly note.
Phillip A Mar 23, 2022
We started this process in late 2020 and did not actually close on house till 2/4/2022 due to issue with first mobile home dealership. Janice made a truly frustrating process easy and did everything she could to make sure I was taken care of. I am not sure what you are paying this wonderful lady but she needs a raise! I would recommend her to anyone over and over again!
Justin W Feb 07, 2022
Janice went above and beyond to get us closed. Her communication with us and our realtor was on point!
Gerald H Jan 01, 2022
First time home buyers and we are so grateful for all the help and information we received!
Ashley C Dec 03, 2021
Janice made the process as easy as could have been and was always in constant contact with me to answer any questions I may have had. She was very straightforward with all answers and told me exactly what I needed to do!
Haily D Dec 02, 2021
Janice was always always quick to respond to all my questions and needs.
Mandalyn P Nov 16, 2021
Janice was great to work with! She did everything she could to make the home buying process a easy one. Thank you again Janice
Meikarya G Nov 16, 2021
Easy and not stressful!
Joshua W Nov 11, 2021
Janice was very helpful at every step of the journey. As a first time home buyer she was excellent at answering my questions and always had a quick response time!
Kelley F Nov 02, 2021
Shavon A Oct 21, 2021
Janice was great through out the entire process! 10/10 Recommend. She would respond to questions anytime during the week/weekend.
Turner F Oct 11, 2021
She made my dream as a single mother of three come true!
Shandranella B Oct 01, 2021
Working with Janice was wonderful! The process was so easy and very organized!
Anna L Aug 10, 2021
Janice made the whole process easy and stress free! Everything went so smooth and we are so happy over the entire process!!
Joshua Z Aug 07, 2021
Everything was explained with detail and I was provided with excellent service. No complications at all. 10/10!
Ansin L Jul 29, 2021
Janice House and Eustis Mortgage is a company I refer clients because I can rely on great communication and wonderful service.
Janice M Jul 26, 2021
Mrs. House was patient and caring. She was also very understanding and took the time to explain each process we had to make. So she made our experience easy!!!
Lee C Jul 24, 2021
Extremely smooth process!
Stephanie D Jul 07, 2021
Janice was always quick to answers emails and phone calls for our many questions! Very prompt and thorough in her understanding and explanation of everything. I highly recommend her as a lender!
Markus S Jun 08, 2021
Walter M Jun 07, 2021
Janice has always been so helpful in answering any questions I have had and always very prompt. I appreciate her responsiveness and general kindness.
Latisia M May 25, 2021
Great personality and customer service... Thorough
David M May 24, 2021
Janice was very helpful at every step of the process!
Jared E May 16, 2021
Janice is awesome
Jonathan T May 07, 2021
Very helpful and professional! Always ready to answer questions and made for an easy process!
Kimberly L May 07, 2021
Janice is great. Easy to communicate with and quickly responds to every question and request. I highly recommend!
William D May 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.