CHEER SQUAD
Thank you so much for making the process smooth!
Caroline A
Jan 08, 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
Prompt response and attention to detail
David W
Dec 30, 2021
Easy process and friendly communications.
Lisa T
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
Great communication
Very professional
Very smooth
Thomas A
Dec 09, 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
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
Excellent as expected!
George B
Nov 01, 2021
Everyone was upfront and honest and helpful and they made it work
Nathan U
Oct 12, 2021
Everyone was very professional and made the loan process easy.
Erik N
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
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
Smooth and easy process. Enjoyed working with Brent.
Jonathan K
Jun 24, 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
Another great and smooth experience with Brent and his team!
Sholom E
Jun 08, 2021
Brent was great to work with . He was always ready for the questions we had and kept my wife and I informed throughout the entire process! I would suggest anyone purchasing or refinancing their home to give Brent Edwards a call.
Richard C
Jun 04, 2021
Brent and his team were amazing. They were good at communicating to us what we needed to get done and broke everything down when we were confused. I would recommend them anytime!
Melissa W
May 27, 2021
Very knowledgeable and fast to respond to any questions or issues throughout the process. A truly great experience working with Brent and will recommend his services to anyone buying a house
Jimmy W
May 27, 2021
Worked diligently to make my deals possible. Eustis and Brent will be my go to as I continue to build my portfolio.
Geoffrey L
May 23, 2021
Great Person.
Celina G
May 20, 2021
Breast was very responsive and provided guidance through out the entire process!! Great to work with!! Thank you for taking the time to make recommendations and ensure we got the right loan for us!!
Marina B
May 17, 2021
I don’t think you can ever say you “enjoyed” the mortgage process. I will say I felt like Brent and team were in our corner making sure we got the best deal. We were informed throughout the process and each associate engaged with us in a professional manner.
Alecia D
May 08, 2021
Brent and his team was very helpful from the start of the application process all the through to closing.
Caron G
May 07, 2021
Brent cared about me and my family. He remembered the details of our conversations and matched his advice to our situations. He was honest and forthright in all our interactions. A person of integrity!
Jordene H
Apr 28, 2021
Both Brent and Christy worked so hard and so fast for me to be able to refinance my house at a competitive interest rate. They went over and above and I am beyond appreciative. I would HIGHLY recommend them to anyone in the market to purchase or refinance.
Liana D
Apr 28, 2021
Brent and his team were great. Was so easy!
Andrew S
Apr 09, 2021
Very helpful and efficient.
Staphanie A
Apr 06, 2021
Brent makes the impossible possible!
Kasi C
Apr 06, 2021
Closed a tough one!
Celeste M
Apr 05, 2021
Great guy. Five stars. Would recommend.
Michael A
Apr 04, 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 REGUARDLESS 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.