CHEER SQUAD
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
Customer service, as always, was top notch. Everything was handled promptly and they made the process simple.
Kevin V
Oct 07, 2021
Brent is the foshizzle! He’s creative and bent over backwards to make my deal close under the craziest of circumstances - that being a Cat 4 hurricane. Couldn’t have done it without him and that’s the God’s honest truth!
Sheldon B
Sep 27, 2021
Everyone was very professional and made the loan process easy.
Erik N
Sep 27, 2021
There were hiccups and delays throughout the process, but you guys never gave up— thank you!
Carmelo T
Sep 27, 2021
Quick and easy as always. I love working with Brent and his group.
Rae C
Aug 10, 2021
Always a very easy transaction with Brent!! Would highly recommend !!
David M
Aug 10, 2021
Constant communication from your office made it easy to know where we were in the process, and any information you needed. It was painless!
Nicole R
Jul 23, 2021
Brent and his team always get the job done with the most efficiency, professionalism & accuracy!
Suzy L
Jul 10, 2021
Brent was very forthcoming, patient and reassuring throughout the process.
Miguel A
Jul 08, 2021
Only asked for documentation needed
Nicole C
Jul 08, 2021
Brent provided very timely communications for a seamless & smooth transaction.
Lesley P
Jul 07, 2021
I would recommend to my clients. Thank you Brent!
Allison V
Jul 07, 2021
I love Brent Edwards! He always makes it easy to get to the closing table and many times can make it happen earlier than we expect. I will definitely use him again and again!
Tara L
Jul 02, 2021
Getting a loan with Brent was a seamless process. Brent was highly accessible, had all kinds of good information to share, and never balked at our 101 questions. We didn't worry about our loan process at all because we knew it was in capable hands.
Rehana N
Jun 29, 2021
Brent's team was professional, courtesy, and FAST. I truly enjoyed working with them and have already recommended them to several friends in the housing lender search.
Kali M
Jun 25, 2021
It was great
Benjamin R
Jun 25, 2021
Smooth and easy process. Enjoyed working with Brent.
Jonathan K
Jun 24, 2021
Working with Brent Edwards and his team was smooth and easy. They worked hard to make everything happen, were easy to communicate with, and always available with answers to any questions. Great team!
Sophie N
Jun 23, 2021
Brent was great and made the whole process a breeze.
Caitlin K
Jun 21, 2021
Closed on time and with a great rate.
Brian B
Jun 17, 2021
The determination that Brent, Christy, and his his staff demonstrated in getting me pre-approved and getting things squared away for the house I recently bought was tremendous. Brent, Christy, and the staff were always professional and prompt in answering and questions or concerns I had.
Robert B
Jun 16, 2021
Another great and smooth experience with Brent and his team!
Sholom E
Jun 08, 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 of less 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.