CHEER SQUAD
Bryce is the best person at his job that ever lived. He made the entire process smooth as can be.
Gavin G
Mar 05, 2023
The whole process was painless.
Lisa S
Sep 15, 2022
Bryce made getting a home loan very easy. We had great communication and he was able to meet all of my needs concerning the loan. Great experience.
Dominic S
Mar 17, 2022
I think we closed in 28 days. 28 DAYS! And we probably could have closed a few days earlier than that if the title company was available. He and his staff were amazing. Fast, efficient, and incredibly helpful throughout the whole process.
Patrick S
Mar 03, 2022
great experience all around
Galina K
Jan 04, 2022
Bryce was able to close this loan in a timely manner, i was very happy working with him.
Paul M
Dec 17, 2021
Bryce and his team, stayed on top of the transaction. I never had to ask for anything. It was just taken care of. They had a short window for the last transaction and got it done on time. Thanks a bunch to you and your team. Diana Klotz - Keller Williams
Diana K
Jul 02, 2021
Bryce was great to work with. We had some trying issues during closing that were outside of his control and he was able to navigate and get us through the process successfully.
Blake B
Jun 09, 2021
Working with Bryce and his team at Eustis was a very easy. They made the home buying process very smooth and seamless and I would highly recommend!
Bridget G
May 17, 2021
Working with Cayli Estrada and Bryce Novotny was an absolute pleasure. Cayli was very responsive and helpful throughout the entire process. She truly made purchasing a home a breeze. Couldn’t have been more grateful to work with such amazing people.
Adrianna L
Apr 30, 2021
Bryce was quick to communicate and aid in the coordination of services making the process as painless as possible. Thank you for the hard work!
Gregory F
Apr 01, 2021
Kathryn F
Apr 01, 2021
Bryce was with my First Time Buyer clients each step along the way.
Always in touch and always available for us!
We are appreciative for making this process smooth and easy.
Danny A
Mar 30, 2021
Bryce was great to work with! Very responsive, answered all my questions, broke everything down for me so it made sense.
Stephanie W
Mar 29, 2021
Very responsive when it seemed time was against us. Recommend highly.
Alexander G
Mar 12, 2021
Bryce is very professional and efficient. We really appreciate his help! Thanks again!
Meng Y
Dec 10, 2020
Bryce helped me through my first transaction as a Realtor and patiently explained so many things that are not taught in real estate school. Additionally, my client was a first-time homebuyer and he made the process extremely smooth and positive for my client. I'm looking forward to future transactions with Bryce and the team at Eustis.
Todd S
Dec 07, 2020
Bryce was quick with everything, and I felt like he communicated well with my realtor so that I always knew where we stood with everything.
Robert A
Dec 01, 2020
Bryce and his team were amazing to work with. Bryce always made himself available to help us with all of our questions throughout the entire process. He was very friendly and professional.
Anthony K
Nov 23, 2020
Bryce was excellent to work with. Very knowledgable and was able to get us an amazing rate! He helped us all the way through the mortgage process and was so easy to get a hold of for any questions we had. We highly recommend working with Bryce!!
Damon N
Nov 18, 2020
Efficient, knowledgeable and overall excellent experience!
John S
Nov 10, 2020
Awesome
Christopher M
Nov 08, 2020
Bryce was always readily available to answer any questions I had surrounding the process & timely with his responses. Any requests he had were succinct & clear cut, leaving no room for ambiguity. I would recommend him to any friend or family member who was looking to buy or refinance a home!
Sean C
Nov 04, 2020
Thank you, Bryce for helping us get this done and save some money!!
Deanna M
Nov 03, 2020
I send all my client's to Bryce!
Clint L
Oct 29, 2020
Bryce is great to work with and is very knowledgable. Highly recommend!
Parker C
Oct 23, 2020
The low interest rate.
Patrick N
Oct 14, 2020
Love working with Bryce. Definitely our go-to for anything mortgage related.
Kenneth C
Oct 06, 2020
Fast turnaround in these busy conditions. Open communication, even outside business hours. Great rate!! Thanks!
Darcy N
Oct 04, 2020
Bryce
Leo L
Oct 01, 2020
This was our first home buying experience and we could not be more grateful for Bryce's help and guidance. He was professional, knowledgeable and answered all of questions quickly and fully. He made buying our dream home simple and easy though this home buying process. I would recommend him to all my family and friends!
Derek L
Sep 30, 2020
My clients were extremely happy with the very competitive interest rate and the service Bryce provided. They were amaze that even in this busy market, Bryce was able to close this deal in 21 days, when other lenders were quoting minimum 45 days to close. My clients' couldn't be any happier and would highly recommend Bryce and his team.
Ninh T
Sep 21, 2020
Bryce is extremely knowledgeable and made the process easy and stress free for us, all while getting us locked in with an amazing rate.
Westmoreland G
Sep 21, 2020
Worked fast, great communication and got us the best rate!
Hannah K
Sep 10, 2020
Bryce consistently exceeds all expectations - works tirelessly to overcome hurdles and gets the deal done well within the timeframe allotted. Thanks Bryce for making me look good!
Ryan W
Sep 04, 2020
Bryce was very helpful in our mortgage plus helping us with referral for insurance!
Edward G
Sep 02, 2020
Bryce was very knowledgable and informative throughout the whole homebuying process. He kept in constant contact and answered every question I had. And believe me, I had PLENTY. He also was able to get me preapproved in a matter of hours ON A FRIDAY AFTERNOON so that I could put my offer in by that evening on my now home! All around great experience. I would recommend him to everyone! Thank you, Bryce!!
Kelley K
Sep 02, 2020
As a real estate agent, I consider Bryce to be a terrific lending partner. He offered patient, quality guidance to my client as he navigated the home buying process, and he kept me informed along the way as we cleared the stage gates to get to a successful closing. Bryce was consistently responsive, even over the weekends, if we had questions or needed his support. Lastly, he thinks outside the box and helped my client develop a strategy to minimize the cash he needed to make the purchase!
Stephanie M
Aug 28, 2020
Bryce did a great job keeping us informed of the process. Everything went smooth. We could not be happier!
Daniel N
Aug 25, 2020
Total professional, best loan office I have had the pleasure to work with.
William B
Aug 20, 2020
Bryce was very knowledgeable, always available for communication, and made sure my mortgage closed on time. He's everything everyone wants in a loan officer! I will definitely work with him again.
Elizabeth P
Aug 12, 2020
Bryce made getting a mortgage very easy and always kept us informed. Everything was done in a very timely fashion.
Mark F
Aug 04, 2020
Very friendly and welcoming approach in the search for my first home. Sending many friends and family your way in the future.
Taylor N
Aug 04, 2020
Bryce works side by side with the home buyer and keeps you up to date on everything. He made buying my first home such a walk in the park.
Brennan W
Jul 28, 2020
Best man in the biz!
Stephen M
Jul 23, 2020
Bryce is a joy to work with! Always on top of things, always accessible, and always looking out for my client's best interests! Recommend him highly!
Debra H
Jul 02, 2020
Bryce was amazing. Very knowledgeable and very responsive.
Shane F
Jun 19, 2020
Bryce and team were very responsive and always available to answer any of our questions. We appreciate the guidance and successful transaction!
Ana P
Jun 19, 2020
Bryce's knowledge and understanding of the current market situation was paramount in our decision to move forward with a home refinance. We couldn't be happier we did and now we are remodeling our home.
Adam P
Jun 16, 2020
Always informed and updated at all times
Devan S
Jun 13, 2020
Bryce is awesome! Worked to get us the best rate!
Sarah A
Jun 13, 2020
Bryce was very attentive and supportive throughout the refi process. He and his team took good care of me!
David E
Jun 11, 2020
Bryce was a great help and guided us through the entire mortgage process. He made the process easy and seamless.
Luke T
Jun 11, 2020
I recommend everyone to Bryce! We've closed multiple homes together and it's always a smooth transaction.
Clint L
Jun 08, 2020
Bryce Went above and beyond ..we are truly grateful for Bryce and his team!
Jamie R
Jun 07, 2020
Bryce and his team, are on top of their game.
Leonard L
Jun 06, 2020
Bryce & his team worked under extremely short deadlines in a challenging market & got the job done!
Emily H
Jun 03, 2020
Got everything done in record time - super quick, easy, and manageable . Very clear and transparent approach .
Tyler M
Jun 01, 2020
Bryce was recommended to me by a co-worker for his excellent service and did a great job on a Cash-Out Refinance for my New Orleans home. He worked with me through multiple iterations to get a great interest rate and through minimal delays, we were able to complete the process quickly and relatively painlessly. I have recommended him to friends and family and will be looking to use his services again in the future should the need arise.
Geoffrey S
May 11, 2020
Good communication. Good result.
Richard C
Apr 26, 2020
Bryce works hard to get you the best deal possible
Robert M
Apr 26, 2020
Friendly & extremely responsive
Kenneth C
Apr 21, 2020
Bryce was very responsive to all of my questions and concerns
Robert C
Mar 29, 2020
Bryce was fantastic. Easy to work with. Very responsive and made the process so simple. I have already recommended him to other people
Richard D
Mar 26, 2020
Bryce was recommended by my realtor and he was very efficient, thorough and professional.
I will recommend him to family and friends.
James T
Feb 17, 2020
Bryce was super responsive throughout the entire transaction and was able to work through some client challenges to close the deal on time! Our clients were happy with the recommendation, and I would refer Bryce and Eustis again!
Ryan W
Dec 10, 2019
Bryce made the entire loan process from start to finish seamless and stress free.
Michael P
Nov 21, 2019
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Simonne D
Nov 19, 2019
Bryce was very informative and helpful! He made the process so easy!
Marissa V
Oct 31, 2019
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Alvaro P
Oct 31, 2019
Professional, knowledgeable, and reliable. Would definitely work with Bryce again.
Jose E
Oct 05, 2019
You answered our many questions about the refinancing process in words that i could understand and allowed me to easily make decisions.
Thomas K
Oct 02, 2019
Bryce and team are the best! Customer service is excellent highly recommend...
Gina H
Jul 20, 2019
Overall hassle free refi. Communication was excellent.
Thomas B
Jul 17, 2019
Clear communication
All the details were explained.
The entire experience was conducted with superb professionalism.
Jamie B
Jul 17, 2019
Bryce is always responsive and eager to help. He is great about keeping everyone informed, providing options for clients, and listening to any concerns. I will always recommend Bryce!
Jim U
Jul 17, 2019
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 2023 | 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.