Works hard for the customer!
Harmony P Feb 21, 2024
Extremely efficient and highly recommended! Everything was sent to me promptly and was an easy process! I will continue to use them for more properties.
Daniel F Aug 12, 2023
Marlene J May 12, 2023
John and his whole team were great! Easiest and fastest closing I’ve ever experienced.
Robert B Feb 11, 2023
All aspects of our closing went well.
Carisa P Jan 24, 2023
I always knew what step we were on and felt like there was clear communication throughout the whole process! I love how digital and easy everything was to complete.
Grace C Sep 07, 2022
The moment I called John things began to move smoothly and so professional. I enjoyed working with Jasaka Banfield she was available 24/7 and always ready to assist us with any concerns. The lady at the Title company was so amazing as well. Thank you all for a most wonderful and very positive experience.
Edilma H Aug 24, 2022
Great job. Perfect crew
Anthony A Jul 05, 2022
Zella S May 27, 2022
In short they care and work hard. We can’t ask for more. 😀
Kristine J May 16, 2022
John and his team really treated me and my family like real people and not just another number. They communicate the process and walked us through step by step. They help us through any bumps in the road and clearly laid out options. They are wonderful to work with.
Jake J May 16, 2022
As if we were the only client. Personal.
John P Apr 20, 2022
John and his team were very thorough and always willing to answer questions all through the process. They even accommodated last minute requests of ours. I would definitely recommend the Hardimon team to anyone needing a lender.
Angela F Apr 11, 2022
Thank you all the team.
Reyna M Apr 04, 2022
Always five star service. I recommend John to all my friends!
Alexander G Mar 11, 2022
The team was very friendly and always responded quickly to any questions my husband or I had thru the whole process
Tammy B Jan 14, 2022
All of our questions were answered quickly and were explained well. Excellent communication throughout the entire process.
Mackenzie G Dec 03, 2021
consistent communication with accurate expectations
Michael O Nov 12, 2021
The way we were treated with respect.
Deborah F Oct 04, 2021
The communication and clear instructions on all what was needed.
Russell H Sep 08, 2021
John and his team worked with me too make sure I got the best deal for a refinance.
Alexandra W Sep 04, 2021
Communications were great!
Felt they really cared about us as a customer.
Would Highly recommend!
Richard H Jul 26, 2021
Great company they know how to get it done
Vicki D Jul 23, 2021
Very reliable and trustworthy. Good business 👏👌👍
Anil D Jul 23, 2021
Communication was great. John and his team made this experience and process smooth.
Felipe L Jul 21, 2021
From the first call to the last call it was incredible support.
John laid all the information out perfectly so that we understood it because we haven’t done this before. His team was on top of everything each step of the way.
Colton C Jul 20, 2021
Always a pleasure sending clients your way service is always fast courteous!
Ashley C Jul 02, 2021
Fast and pleasant serviced. Highly recommend!
Freddy H Jun 28, 2021
Everyone knew their jobs. Very friendly and courteous.
Larry C Jun 25, 2021
Everyone was super helpful and very friendly! They made what is usually a very stressful process so easy for me. Any questions I had were addressed the same day. I could not be happier with their service!!
Kingsley M Jun 22, 2021
Your knowledge and experience gave us peace of mind in moving forward with you and your excellent team members! Thank you for a wonderful experience!
Juanita C Jun 22, 2021
Always a great experience working with John and his team! Good communication with all parties. They work hard for the buyer to ensure the best loan terms for them and to ensure a smooth transaction. Looking forward to the next opportunity!
Sandy J Jun 19, 2021
You all were very forthright and responsive even when things did not go as planned. We had a couple of snags in the process but you all were very quick to take responsibility and solve the issues. Really appreciated everyone I had contact with on the team.
Nathan M Jun 08, 2021
John and the entire team made the home buying process as easy as possible!
Nicholas S Jun 07, 2021
John and his team are extremely knowledgeable and and professional. Always responsive. I highly recommend John to all my clients.
Coldwell B Jun 07, 2021
I bought my first home with their help. Didn’t understand a lot of the technical jargon. They worked with us every step of the way. Just remember to ask them your questions so you won’t be confused
Samuel C May 15, 2021
Great Experience. Great Communication. Crystal and Jasaka did a great job
Charles D May 11, 2021
Jasaka and the rest of the team were always on top of things and very communicative throughout the loan process. Loved working with all of them!
Thomas H May 07, 2021
Great job guys! To help a buyer under 250k with an FHA in this market is a tremendous testament to commitment to help all clients with equal hard work and respect.
David P Apr 06, 2021
You guys are always on the ball. Anytime I need something one of yall is there to help and answer any and all questions. I recommend you guys to all my clients! Keep up the great work
Cori Z Mar 26, 2021
John and his staff are always there for my clients!
Debi D Mar 10, 2021
John Hardimon and his team are amazing!!! They make dreams come true!! Jasaka Courtney amazing ladies and are fast and always answering your calls when you have a question. Loved our whole process and would definitely continue sending people there way!!! John Hardimon and his team are the way to go if you want to become a homeowner thank you guys and ladies for all you do!!
Saul C Mar 09, 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.