CHEER SQUAD
Very informative and helpful throughout the process, from the digital forms to the daily follow-ups it was great..amazing
Julian Otis P
Mar 20, 2023
Cheryl and her team were excellent to work with. Very professional, always available and quick to return information. Friendly and knowledgeable. I will highly recommend them to anyone I find seeking a lender.
Derek S
Mar 14, 2023
As first Time Home buyers we were full of questions regarding the mortgages. Cheryl spent hours on the phone with us going over everything. Even though we are 8 hours ahead in a different time zone, she was sure to answer.
LaTasha P
Mar 14, 2023
Cheryl!! That’s who made it great. She is always available, kind and profesional. Cheryl is passionate about her profession, so much so that she will not stop until there is a smile on your face and your dreams have come true. Her communication is superb, she knows what is needed and what it takes for you to get to where you want to be. My wife and I could not have done it and now would never do it without Cheryl. She made our first time buying experience smooth, easy, joyful and peaceful. Cheryl is the greatest!!!
Christian L
Mar 02, 2023
Cheryl is the most amazing, sweetest person in the whole world. She answered all of our questions and really cared for us and it showed! She was always available and had the kindest voice and spirit in the WORLD!
Brandi L
Mar 01, 2023
Personal and professional services are nearly a thing of the past. I was treated the way I at least try to treat others. Cheryl definitely does that. Thank you so much.
Jerry P
Feb 22, 2023
Cheryl Montenegro went beyond helping me to make my dreams when I thought it wasn’t possible.
Bobby L
Feb 13, 2023
Cheryl’s encouragement, transparency, and compassion made our experience great! Thanks a million!
David B
Feb 01, 2023
I will definitely be using Cheryl’s services again and will be recommending her& her team! She was quick and efficient & kept me in the loop the entire time. We are happy and satisfied homeowners who closed on their house 10 days early! Thanks Cheryl & Karina! Y’all are a great team🙏🏼♥️
Bianca H
Jan 26, 2023
Cheryl was great going above and beyond with any request or question I had. Communication was also very good. Explaining everything and making me feel taken care of. Would highly recommend her services.
Emanuel G
Jan 26, 2023
The availability and ability to answer questions despite our hectic schedules.
Oscar O
Jan 24, 2023
Cheryl's attitude and communication was great through the whole process! She explained the whole process to us and answered every question we had, she was also avaliable even on the weekends to work with our very busy schedule.
Debra O
Jan 24, 2023
Great communication from everyone, answered all of our questions!
Cynthia M
Dec 27, 2022
Made process easy
Samantha E
Dec 19, 2022
Cheryl was always on top of things , very helpful and professional I would certainly recommend her to any of my friends
Francisco E
Dec 08, 2022
Made our dreams come true in a time that mattered the most! Made the impossible possible. Would recommend 10/10 every time! Thank you so much!
Christopher H
Nov 19, 2022
Wonderful customer service and accessibility and very knowledgeable
Summer S
Nov 05, 2022
The constant communication
Javier D
Oct 13, 2022
Cheryl knows what is needed and is clear on instructions
Rita M
Oct 13, 2022
Always kept updated and kept everyone in the loop.
The best of the best.
Russell K
Oct 11, 2022
Cheryl professional experience and guidance made the process simple and straight forward.
Jose V
Sep 29, 2022
Cheryl was amazing and answered all our questions.
Daniel C
Sep 29, 2022
Cheryl was awesome 👏!!
As an expatriate relocating to US, my situation was uncommon and my case more complex.
Cheryl worked really hard for us and got us through this successfully!
We enjoyed working with Cheryl and her team!
Pierre G
Sep 23, 2022
Cheryl and her team go above and beyond to make sure you get into the house of your choosing.
Angela S
Sep 12, 2022
Quick replies to calls and emails. Cheryl made it much less stressful doing this remotely.
Tina H
Aug 16, 2022
Cheryl is wonderful to work with.
Bruce W
Aug 16, 2022
Plenty of communication throughout the process.
Estevan D
Aug 02, 2022
Cheryl went above and beyond to make sure everything went well with our home purchase .
Daniel M
Aug 01, 2022
Cheryl is very personable and reachable. She responds quickly to any questions or concerns. She communicates frequently whether it is an update or just to check in. She places service before self.
Peter J
Jul 28, 2022
Very professional overall communication was great any question I had was answered on the spot and fast service.
Mario M
Jul 11, 2022
I worked with the Cheryl Montenegro and her team on the purchase of my first home. The level of care, attention to detail, and professionalism demonstrated by Cheryl and team far surpassed my expectations. As a first-time home buyer, I really appreciated Cheryl honesty and transparency throughout the mortgage process. His team stays on top of every detail and is there for you every step of the way to answer any questions and address any concerns.
Sandra N
Jul 06, 2022
Cheryl is a personable, honest, vigilant, and tireless worker who puts the buyer first and ensures they have a seamless and efficient loan assignment and closing. Thank you Cheryl!
Komron M
Jul 05, 2022
Cheryl and her team went above and beyond to help me. With my credit challenges, Cheryl gave me the clear instructions on how to reach my goal. I will always be grateful for the special attention and patience with helping to make my dream become a reality.
Deidra M
Jun 24, 2022
Cheryl was proficient and very communicative throughout the whole process. She was able to answer any question we had. Her hard work and dedication ensured our success to closing on time.
Miguel R
Jun 20, 2022
The best part of me buying this house was the support and excellent communication and sense of caring I got from Cheryl. She became my sounding board when I was stressed about progress on house being built. Having Cheryl in my corner and making me feel like I was important and her main concern was what I needed. I have never had this kind of excellent customer experience.
Virginia A
Jun 15, 2022
The friendly, thorough communication is outstanding! Also, the house warming gift was very appreciative! It all came in handy! A sincere thank you.
Chris J
Jun 13, 2022
Ms. Montenegro and her team went up and above to help me make one of my dreams come through. They were on top of everything and communicating with me all the time.
Laura B
May 31, 2022
The attentiveness that u gave me and the hard work u did for me to get my home. Thanks u so much
Arturo D
Apr 22, 2022
Attentive and easy to work with. Always made us feel like a priority.
Ilse V
Apr 20, 2022
Thank you so much Cheryl for making this such a great experience!! We knew we could call you anytime with all of our questions and concerns. You helped guide us and made everything seem easy. You took such good care of us and put our minds at ease. We thank you for the dedication and love you have for what you do. It definitely shows. You are amazing Thanks again. Mark & Gail Aguilar
Gail A
Apr 06, 2022
We got a lot of great help and support! Thank you for guiding us throughout this process!
Jesus V
Apr 05, 2022
Exceptional service! We loved working with Mrs. Montenegro and her team. Very accessible and detailed. Appreciated having her on our side.
Henry J
Apr 01, 2022
Cheryl was amazing and answered all of our questions !! Would highly recommend.
Jessica B
Mar 31, 2022
This is my second home and the process was absolutely amazing, I was able to answer all my questions and addressed all my worries. I highly recommend and always encourage my friends to go with this lender
Sean S
Mar 31, 2022
Cheryl is a sweet and lovely person. She treats you like family and tries her best to help you in whatever she can. Thank you Cheryl!
Alberto V
Mar 30, 2022
I've heard of closing nightmares, but the ease of digital signatures this process was seamless and smooth...we closed in 37 Days. It's important to be self and financially responsible to better help Cheryl and her team to get you into the house you and your family need. Thanks Again so much for everything.
George O
Mar 14, 2022
Cheryl will respond with in seconds every time I had a question or concern. She help me through my whole process made my purchase very smooth and pleasant. Highly recommend her
Luz A
Mar 12, 2022
Cheryl and entire staff, understood my hectic schedule and accommodated it
Gilberto C
Mar 04, 2022
Communication, Guidance, always assisting and following up with everything is key to great customer service. Thank you
Mauro V
Mar 03, 2022
The entire experience was phenomenal. Cheryl was one of the best we have ever worked with during our home buying process. Her team was excellent and very responsive. We never had a single worry and knew we were in great hands the whole time. Thank you!!!
Stephanie P
Mar 03, 2022
Cheryl and her assistant Karina were very thorough, attentive, and pleasant to work with.
Lee M
Jan 13, 2022
Cheryl was very communicative and very understanding. If I had any questions, no matter how stupid they might have been, she answered them promptly and was very respectful. 10/10 would recommend!
Mark A
Jan 04, 2022
Mrs. Cheryl has been so helpful throughout my home buying experience. She has been very resourceful and knowledgeable over this whole process. There was never a time where she wasn’t able to find an answer for me when I was in doubt. She always puts her clients first and makes time for them which has been proven during several occasions. I enjoyed my experience being her client and I highly recommend her to anyone going through this process
David D
Dec 30, 2021
Cheryl and team made the purchasing of our home very easy it was great
Charlie M
Dec 22, 2021
Great experience, would recommend to anyone looking for home financing!
Aaron C
Dec 12, 2021
Her communication with us and how she made us feel at ease was a blessing amidst this convulsed buying process
David M
Dec 10, 2021
She and Karina were sooooooo AMAZING!!
So Much Knowledge and always ready to answer any questions or phone calls.
Already recommended her to 3 friends!
Benjamin A
Dec 03, 2021
Very professional and efficient
Jennifer K
Dec 03, 2021
My husband and I were first time home buyers and so we had a lot of questions for our loan officer. Cheryl walked us thru the whole process and put our minds at ease whenever we had questions or concerns. She never made us feel like we had dumb questions and our concerns were always addressed. She is very professional, personable, and knowledgeable. I highly recommend Cheryl and her staff.
Claudia V
Dec 02, 2021
Cheryl was AMAZING! She made the process super simple. She was available whenever we needed her, which was often in the current housing market. She gave us practical feedback about our options and was incredibly well informed, as well as supportive throughout. I don’t believe we have had a better experience in house purchasing before and this is our third time buying a home. Thank you so much Cheryl!
Meghan C
Nov 29, 2021
Ms Cheryl is more than my loan officer, she become family. Thank you will never be enough for what she has helped me during the purchasing of my home. I love her so much!
Dinah G
Nov 17, 2021
Great experience
Gabriela P
Nov 16, 2021
She was just great🤩
Diana C
Nov 15, 2021
Great service
Samuel C
Oct 23, 2021
Cheryl made it great for us. She was always there to answer all our concerns and questions.
Joseph G
Oct 18, 2021
Working with Cheryl has been amazing. The service and care she provides is exceptional. With her help, our experience has been very pleasant!
Andrea S
Oct 15, 2021
Cheryl Montenegro made it great. Being out of town, we needed someone ready to help from afar. She reached out and gave us a hand to make it as easy as possible. We were thrilled to have someone as pleasant as Cheryl to work for us and with us. Thank you Cheryl, Home America and Eustis.
Mary G
Oct 13, 2021
Very helpful and knowledgeable on all the questions that came up
Troy C
Oct 04, 2021
Cheryl Montenegro is just AMAZING!! I came into this journey terrified and clueless, she was an amazing partner helping me understand the process. I appreciate her
explaining in detail what was happening, and answering all of my questions. Thank you for making owning a home something fun and effortless.
Jacqueline R
Sep 28, 2021
The overall communication and the friendly staff to work with at all times. Thank you for a great experience
Michelle C
Sep 27, 2021
Easy going process thanks to Cheryl.
Estela A
Aug 06, 2021
Cheryl was always available and explained everything in great detail. Extremely responsive and was a pleasure to work with. Definitely recommending to friends, family and other clients.
Alvaro V
Aug 04, 2021
Cheryl Montenegro, and her assistant were both extremely courteous and profession throughout the entire process; from start to finish. Any and all questions I had were answered and there was never a moment were I felt I couldn't reach out to get better clarification if I was confused on something. Absolutely amazing service!!!
Brent G
Aug 04, 2021
Cheryl is awesome. She treats all parties like family, is honest, professional and a pleasure to work with.
Andrew H
Jul 29, 2021
Cheryl is the best at what she does! Her honesty and transparency made the entire process smooth and worry free.
James M
Jul 26, 2021
Even with all the ups and downs during my 1st home buying experience, Cheryl kept me at ease and very well informed throughout the process. 10/10 will recommend to friends.
Nathan T
Jul 24, 2021
Always anwers calls at ANY time. Always prepared for all questions that I had. A pleasure to work with Cheryl.
Arnoldo D
Jul 23, 2021
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Paula K
Jul 20, 2021
Cheryl is so amazing at truly caring for each buyer’s situation and guiding them to the best loan program to suite their needs.
Jennifer L
Jul 11, 2021
Cheryl Montenegro was very knowledgeable and professional, particularly when it came to working in the current mortgage environment with the many strict qualification and underwriting requirements. She consistently found solutions and/or alternative strategies for the roadblocks specific to my situation. And more importantly, she patiently put up with my weekly frustrations with the whole process for 60 days - offering support and advice for moving forward. In short, Cheryl is very good.
Michael C
Jul 10, 2021
Cheryl is super responsive even on short notice and amazing at getting my clients great rates in their mortgage!
Bita M
Jul 10, 2021
The team in her office had a great communication with me and my family in both english and spanish. The experience with them was very professional and kind, I would definitely recommend.
Rodolfo R
Jul 02, 2021
Mrs. Montenegro,
Is very polite, professional, knowledgeable, & cares about her customers. She provided us with advice & life house lessons, we like to say thank you to Cheryl & Karina for amazing our dreams come true.
Christopher O
Jul 02, 2021
She is always polite and professional. She was helpful and understanding when I did not understand something and very quick on turnaround for requested actions. She helped simplify this process greatly reducing the amount of stress on us, the customer.
Daryl W
Jun 29, 2021
Answered every question I had, always very sweet and good customer service. Made this process smooth, easy and not stressful like I thought it would be.
Aaron B
Jun 24, 2021
Cheryl went above and beyond my every expectation. She was ALWAYS available and always on top of things.
Jonathan R
Jun 21, 2021
Cheryl was super proactive, communicative and responsive. She often called me with an update before I had a chance to call her! It’s was a fantastic experience!
Carlisle K
Jun 19, 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.