Robin and her Team are amazing! They walked me through the steps and held our hands the whole way. Matt Jones was our realtor and between the two of them it was easier than we anticipated. We even got money back at closing! We will be sending all of our friends and family to Robin and Matt.
Marie W Jan 10, 2024
It the unselfishness and they Robin went out of her way to make sure that not only that we understood but she always seamed to make are day brighter. Robin Marie and I appreciate all that you done for us. Thank you so much.
Edward W Jan 09, 2024
She helped me with everything and explained every detail and I can reach out to her anytime
Eh doh T Nov 28, 2023
Robin is great at keeping people on track to get things done in a timely manner. Her team is always making progress and never puts anything aside for tomorrow that can be done today. A true professional.
Robert C Oct 07, 2023
She is a nice person and always listen to me Carefully.
Eh Shee P Sep 24, 2023
The communication was fantastic. Made us feel comfortable and stress free during the whole process. I would highly recommend to others
Jenna P Sep 02, 2023
Robin was quick to respond to any questions I had through the process. Her team kept me up to date on all paperwork I needed and supported me through every step.
Devon L Aug 01, 2023
Robin was very helpful and easy to work with. She takes time to explain everything so I can understand. I have worked with her in the past and will never hesitate on working with her again. Thank you Robin once again.
Juan M Jul 22, 2023
Robin has been with me the entire process. She is very informative and patient. I would definitely recommend her to family and friends.
Rosalyn F Jul 07, 2023
I changed lender during the buying process and Robin ant the team were able to close before the original closing date.
It was a lot of work but I thanks them gratefully.
Oscar M May 25, 2023
Robin went above and beyond to make sure all our needs were met. She was there for us every step of the way and made this process so unbelievably easy on us!
Jacklyn D Apr 29, 2023
Robin seemed genuinely concerned about us as customers and I would even say we became friends without ever really meeting in person. That is how warm her customer service.
Stacy J Apr 29, 2023
Robin worked through some challenges and made it happen!
Beth R Apr 24, 2023
My loan officer and my realtor had great interests in me and what I wanted. They guided me every step of the way. They made me feel at ease with the whole process and went above and beyond.
Dawn C Apr 08, 2023
Robin and her team were always quick to communicate and enthusiastic to help. There was support and helpful info every step of the way
Daniel M Apr 07, 2023
Robin and the team made many parts quick and easy. Robin was also very informative throughout the process!
Nathaniel E Mar 12, 2023
She is an awesome person to work with! Her whole team is amazing ❤️
Erika F Mar 04, 2023
Robin was very helpful and made the process go smooth.
Anthony C Feb 25, 2023
Robin and her team LITERALLY went above and beyond for me. What we once thought would be impossible to achieve we achieved and we would NOT have been able to do it without Robin and her team. She has listened to countless tears and concerns while going the miles to make sure that our family could close! Thank you so much!!!!
Brittany N Jan 28, 2023
Very good everything goes well
Tear M Jan 14, 2023
Robin was amazing through the whole process. She always made sure that I fully understood everything and answered all of my questions when I had any confusion about any of the paperwork. Robin got everything done and had me closed on my house in just a couple of weeks.
Nora H Nov 18, 2022
Robin was fantastic! Got us approved for the right amount and made the purchasing process very quick and easy. Will definitely recommend and go back for every future home purchase!
Michael L Sep 28, 2022
It was a new experience. You were very helpful. you helped when I need. Everyone was good.
MD M Sep 26, 2022
Romiyo M Sep 19, 2022
Always being there to help and answer any questions!
Tae A Sep 19, 2022
Susannah K Sep 19, 2022
ROBIN AND HER STAFF
Thomas W Sep 08, 2022
Robin and her Team very helpful and pleasant to work with.They were friendly and communication well with us as we worked through the process of getting our loan. submitted paperwork as soon as i sent it. She is really quick at responding your call or text. She will Answer questions you may have and give you a good advice. You will not disappointed working with her. I highly recommend Robin. Thank you for everything Robin. You are awesome.
Lay P Aug 31, 2022
Robin is such a professional. She works tirelessly to keep us informed. I believe this is our family’s 4th loan with Robin. We wouldn’t trust anyone else with such important decisions.
Phoebe M Aug 26, 2022
She walked me step by step to make a smooth process
Keith H Jul 07, 2022
Robin was on top of everything we had many bumps in the road and she over came them all and we got to the closing table
Addison K Jun 13, 2022
the robin jones team was always available at any time always looking for ways to make the process easier
Poe S Jun 08, 2022
Absolutely wonderful to work with. Was available whenever I had questions. Took all the time necessary to clearly explain difficult concepts and help me fully understand all aspects of what is a huge decision in my life. I was very blessed to work with Robin and her team.
Jennifer S May 31, 2022
Thank you so much! We have never experienced such a smooth and fast closing. We appreciate you!
Vicki C May 27, 2022
Quick response time for all questions and concerns. Explained things to me so that it all made sense. Worked very hard for us to get our Forever Home. 10/5 stars!
Kala G May 10, 2022
Robin and her team were great to work with. They were friendly and communicated well with us as we worked through the process of getting our loan.
Shane C May 09, 2022
Robin was very helpful and pleasant to work with
Jessica C May 06, 2022
Robin has help our family! We are so greatful for the process of buying a home! Very happy! She’s the best and also our realtor Kristian! Great people they answered all the questions! Highly recommended..
Maung M May 04, 2022
Robin is very informative and is always willing to answer any suggestions no matter what she is doing at that time.
John T Apr 28, 2022
You guys made it as seamless and easy as possible
Jared H Apr 12, 2022
All questions answered quickly.
Clear line of communication.
Shawn S Mar 23, 2022
Robin and team great communication Thank you so much
Felecia Y Mar 18, 2022
We had a couple of bumps in the road. But Robin was always their to help and get things resolved. Shout out to DiDi also. She was on top of getting all the paper work for my file together. You guys ROCK!!
Magaly M Mar 04, 2022
Feed back and follow ups
Akinsola J Feb 09, 2022
The team was ready and willing to do what it took to make a quick close happen and was quick to respond to any questions I had during the process while working around my busy work schedule
Thomas S Feb 07, 2022
Robin is excellent! I wouldnt of been able to do this for my family if it wasnt for her ! She takes anytime of the day to answer her phone and is always there to answer questions and always is so fast at getting back to you !!
Justin S Jan 20, 2022
Robin Jones!! She goes out of her way to help with anything you need. She is awesome at her job and fast.
Tiffany W Jan 20, 2022
The refinance was quick and easy. All of my questions were answered quickly and explained thoroughly. Robin and her team made everything go smoothly and I would highly recommend them to anyone that is purchasing or refinancing a home. Thanks for making an unpleasant situation a great experience!!
Elena A Jan 19, 2022
Robin is very detail oriented and replies back to any messages or phone calls in a timely manner. I would definitely recommend her to friends and family.
William C Jan 05, 2022
Kacey K Jan 04, 2022
Robin and her team were very prompt and helped me every step of the way. The service provided was exceptional. Every question or concern I had was resolved in a reasonable amount of time. I also appreciated being able to do most of the paperwork and correspondence online. I plan to work with her again in the near future. Thanks for all your help!
Tiffany W Jan 03, 2022
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.