CHEER SQUAD
Brent and his team walked me through each step and made sure I was aware of everything I needed to know. They were amazing from beginning to end!
Shannon F
Nov 22, 2022
Quick and painless process. Great staff, very responsive.
Harrison H
Nov 09, 2022
Brent - you kept everything super straight forward and were direct in your communication. Though I have no prior experience with the home buying process, you always made it comfortable with the fact that it was a learning process for me! Really appreciate all you did during this time.
Cassandra R
Nov 01, 2022
Mr Edwards took a real interest in our situation and was helpful and forthright.
Jack M
Oct 25, 2022
Brent made the loan application process seamless, except for a few glitches at the beginning that were related to the technology (documents not being exchanged correctly), but this had nothing to do with the exemplary service and advice received from Brent and his Eustis loan "team." I sincerely appreciated his two assistants, as well. Overall, I would definitely recommend Eustis and this particular office to other people.
Lesley M
Oct 19, 2022
Brent was always available and made time to answer any questions or concerns my wife and I had throughout the process! He was quick with getting any and all paperwork we needed to get things done!
Donald R
Oct 09, 2022
Instructions were clear, everything well organized and executed.
Kenneth H
Oct 03, 2022
Brent was fast and accurate and friendly!
Patricia E
Sep 30, 2022
response time was quick
Kelley P
Sep 15, 2022
Friendly and willing to assist. Provided prompt responses to my questions.
Katherine M
Aug 04, 2022
Fast, clear communication; handled issues quickly.
Evan K
Jul 11, 2022
Brent was easy to talk to and made things happen fast!
Emilia O
Jul 09, 2022
Easily accessible for questions, great communication, quick responses.
Betsy L
Jul 05, 2022
I will call Brent for any future deals I have in Louisiana for sure!
Gary H
Jun 28, 2022
Brent And his team were very professional and helpful. Kept me informed every step of the way through the loan process. They also answer all my questions. Would definitely recommend them.
Andrea W
Jun 21, 2022
Good communication & follow-up.
David F
Jun 11, 2022
Everyone was so delightful to work with and had my best interests in mind when working with me. I was very comfortable talking with Brent and his team, and I'll definitely be recommending Brent in the future!
Katherine W
Jun 04, 2022
Always available, friendly and communicative assistance, sound and succinct advice. Will definitely recommend!
Michael S
Jun 01, 2022
Brent, Christy and Blayne were all great to work with and made every step as easy as possible. I really appreciate how they take ownership of things so all you have to do is sign on the dotted line, which is also easy with their electronic signature program. I never had to go to a meeting or an office. I did everything from the comfort of my home. Their patience and willingness to answer questions was amazing, and they truly guide you through the process with the title company, insurance, etc. Thank you!!!
Jarrod R
May 27, 2022
Brent was very personable and happy to answer questions by call or text, and his staff were helpful and communicative by email. I liked being able to use the app on my phone to upload documents and check the status of the application. I will recommend them in the future.
Ruby C
May 20, 2022
I’ve already recommended Brent to other real estate agent friends and prospective buyers. He always explain things and didn’t rush me and was available as much as possible. I felt supported through a challenging and unknown process (of buying a house for the first time).
Jill G
May 02, 2022
Very helpful
Michael F
Apr 19, 2022
Brent is very friendly and efficient!! Truly a great experience!
Emily W
Apr 10, 2022
Brent was extremely professional, personable and knowledgeable. He kept us informed and up to date at all steps through our refi.
Would highly recommend Eustis to our friends and family.
Jerry M
Mar 31, 2022
They made the process so easy!
Stephanie M
Mar 23, 2022
That I was able to go to the Act of Sale as scheduled!
RICHARD M
Mar 18, 2022
Always available
Lee J
Mar 16, 2022
The quick and easy process
Ryan Z
Mar 14, 2022
Brent was excellent. Very efficient and worked hard.
Thomas S
Mar 14, 2022
Fast communication with Brent and his staff. They made the process easy and address any questions that we had which was very important as first time home buyers in a crazy market.
Sally P
Mar 14, 2022
Very straight forward communication with emails asking for certain documents over a timely period.
Lessley A
Mar 12, 2022
Brent is no nonsense, makes you feel comfortable with his friendly attitude and patience
Scott M
Mar 09, 2022
Best financing experience that I have ever been through…Christy and Brent could not have made it an easier!
Pierre A
Mar 04, 2022
Brent and his team were incredibly helpful at every step of the process, and were always there to help answer my questions and concerns. They made me feel comfortable with the whole process and at ease with what could have been a very daunting situation. Everyone was very kind and patient and I would highly recommend them!
Kami L
Feb 02, 2022
Thank you so much for making the process smooth!
Caroline A
Jan 08, 2022
Great communication and a very well organized and timely process. Will definitely use again, thank you for everything!
Megan W
Jan 07, 2022
Brent and his team did an outstanding job!!
They made the entire process super easy and got our loan processed lighting fast.
Aaron A
Jan 05, 2022
I am a real estate agent and have worked with many Loan Officers. Brent was professional, took the time to communicate continually, and made the process very easy.
Andre M
Jan 03, 2022
Lovely folx
Amy C
Dec 30, 2021
Prompt response and attention to detail
David W
Dec 30, 2021
Easy process and friendly communications.
Lisa T
Dec 30, 2021
Brent, Laura and team rock! Incredible partners — especially considering we were NOLA real estate novices operating remotely from LA.
Jeffrey M
Dec 30, 2021
Brent really listened to my situation and provided solutions that are perfect for me. He was very easy to speak with.
Blair M
Dec 24, 2021
Brent and team were easy to work with and quick to respond.
Matthew S
Dec 13, 2021
always available, always helpful. quick to understand circumstances.
Charles K
Dec 13, 2021
Prompt, professional underwriting, appraisal and funding!!
JoAnn D
Dec 12, 2021
Great communication
Very professional
Very smooth
Thomas A
Dec 09, 2021
Brent once again was able to get my financing done. This is the third loan he has helped me secure, and I cannot recommend him strongly enough.
Jacques V
Dec 09, 2021
It was personal, personable, and fast.
Austen W
Dec 06, 2021
The feeling I was important and the kid gloves that got me through the process. Thanks again!
September S
Nov 19, 2021
Awesome experience thank you!
Matthew L
Nov 16, 2021
Good people, relatively easy process.
Richard D
Nov 16, 2021
The people we worked with. Brent and his team are great!
Catherine J
Nov 15, 2021
It was completed quickly since we’re anxious to get into our new house
Thanks
Terry S
Nov 13, 2021
Your customer service - quick responses to our questions and helpful answers to make the entire process much smoother.
Judith D
Nov 10, 2021
Brent and his team were easy to talk to, ask questions, and clarified the process as we went. It all went smoothly!
Lucy W
Nov 01, 2021
Excellent as expected!
George B
Nov 01, 2021
Brent made this a seemless transaction with refinancing my home. With my busy work schedule he accomodated all of my needs. I appreciate Brent greatly!
Sincerely,
Cheryl Firmin
Cheryl F
Oct 16, 2021
Everyone was upfront and honest and helpful and they made it work
Nathan U
Oct 12, 2021
Seamless, patient with my needs and timing
Joshua G
Oct 10, 2021
MORTGAGE
We want to make your home financing as easy as it can be. With Eustis Mortgage, you can relax while we handle the details.
Get Prequalified before you shop for a house
You can get a loan before you even select a home. A Eustis 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!
What is the difference between Prequalified and Preapproved
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
Mortgage Loan Process
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
- Application
- Processing
- Underwriting
- Closing
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.
Should I refinance my house?
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!
What is a Cash-Out Refinance?
¬ 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
What can you do to update/upgrade your house with a Renovation Loan?
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
What is the difference between a fixed-rate and an ARM mortgage?
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.
KNOWLEDGE CENTER
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.
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COPYRIGHT 2022 | EUSTIS MORTGAGE | ALL RIGHTS RESERVED
EUSTIS MORTGAGE IS AN EQUAL OPPORTUNITY EMPLOYER THAT WELCOMES AND ENCOURAGES ALL APPLICANTS TO APPLY REGARDLESS OF AGE, RACE, SEX, RELIGION, COLOR, NATIONAL ORIGIN, DISABILITY, VETERAN STATUS, SEXUAL ORIENTATION, GENDER IDENTITY AND/OR EXPRESSION, MARITAL OR PARENTAL STATUS, ANCESTRY, CITIZENSHIP STATUS, PREGNANCY OR OTHER REASON PROHIBITED BY LAW.