CHEER SQUAD
Fast and friendly!
Efraim V
Mar 07, 2023
Houston was always very responsive and kept me in the loop at all stages of the financing process.
Dave J
Feb 22, 2023
Houston was very responsive and explained all the steps very clearly.
Donna J
Feb 14, 2023
The whole process was fast and streamlined
Juan C
Feb 14, 2023
Fast and easy closing.
Michael C
Jan 30, 2023
We are very grateful with Mr. Houston. He was the only one that helped us when other mortgages wouldn't give us hope. His team worked soooo fast with trying to get us into the home as soon as possible. We have no words to thank them enough. I would highly recommend him to everyone and I will when they are looking for a home.
Maritza G
Jan 25, 2023
From the beginning the help was amazing throughout the whole process in obtaining our house very professional am glad I turned to Eustis for my mortgage.
Rafael G
Jan 25, 2023
Houston did a great job of closing us fast and locking down our rate as they went up. He also provided excellent advice on trends in the real estate industry. I give him my highest recommendation!
Jeffrey W
Jul 05, 2022
Houston and everyone on his team made us feel extremely welcome! Anytime I had a question or concern, Houston or another team member answered it in a timely manner. Will definitely recommend Houston to ANYONE who is looking to purchase a home.
Guillermo R
May 02, 2022
The company was focused on the job at hand. Attention to details was amazing. It all happened at very quick pace. The people were friendly extremely knowledgeable and efficient.
What a Great experience.
Roy H
Mar 19, 2022
Just wow! In no time flat, from phone call to… prequalified, preapproved, approved, cleared underwriter, home appraised, and then we closed before original closing date. Houston and his team kept the ball rolling without any slowdowns!!
Dayna C
Mar 18, 2022
What made it great is that Mr. Dunkin was knowledgeable enough to answer all our questions and provided us with precise information.
Calixtro E
Mar 14, 2022
Houston has always been great to work with. I really appreciate his services.
Michael H
Jan 16, 2022
Timely communication, and detailed explanation of the process. Houston and his staff were professional, prompt and always kept us on track for requested information.
Tammi G
Dec 09, 2021
The fast service and friendly staff.
Jose M
Dec 09, 2021
Mr. Dunkin and his associates were professional and courteous at every step of the loan process. They responded promptly to all my calls and emails. They ensured my wife and I were updated on any changes that were made to my loan. All and all, I highly recommend this organization if you are trying to get a loan.
Emilio P
Dec 09, 2021
The continuous followup.
Doak D
Nov 17, 2021
I loved the level and frequency of communication. I always knew what stage the loan was in. Thank you for your fast and efficient work. You all are amazing!
Erika C
Nov 10, 2021
Becky and Houston were great to work with. They get things done and don't waste time.
Barry K
Nov 04, 2021
From start to finish, Houston and his team delivered a great experience with top notch communication and service!
Robert R
Oct 26, 2021
The whole process ran very smoothly and quicker than I anticipated. The staff was very polite and quick to respond to both emails and calls. Staff was always available. It was definitely a great experience.
Evelyn G
Sep 08, 2021
Thank you and staff for all the help and to make this happen.
Isidro S
Aug 27, 2021
Houston Dunkin did more in 1 weeks time than Chase did in over 45 days! The communication was great with his team. The involvement they had with my realtor and myself was great. I knew what was going on through my loan process daily. We had my loan completely processed in 2 weeks!!!
Mitchell B
Aug 13, 2021
Quick to respond! Great experience!
Natalie G
Aug 09, 2021
His outstanding help allowed us to close on our new house in 2 weeks. We greatly appreciate it!
Robert G
Aug 06, 2021
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Megan K
Aug 03, 2021
Great customer service. You and your staff provided professional and courteous service. The loan process went very smoothly thanks to you and your staff.
Carlos D
Jul 29, 2021
They get it done!
Vicki L
Jul 29, 2021
The professional service you and your staff provided throughout our journey is what made the experience GREAT. Thank you for always offering any and all assistance we needed during this process.
Rebecca D
Jul 29, 2021
You won't find a better home-loan experience than with Houston Dunkin. Excellence every step of the way!
Carlos C
Jul 20, 2021
Fast and Friendly process
Christina S
Jun 28, 2021
Houston explained every step of the process and made it easy. Thanks again for all of your help.
Cristiani W
Jun 08, 2021
Houston was amazing to work with and very responsive. I would recommend him and his team to anyone.
Michael H
Jun 07, 2021
Very pleased with my transactions that take place with Houston and his team. As a realtor, it’s so important to me that I have someone (or team) that I can rely on to relay important and pertinent information. It helps keeps things on track and helps me stay useful and relevant for my client/s. I love how quick they are too in their process and very straight forward and honest. I’ve recommended Houston and his team to many clients and even to family members, and everyone is always impressed.
Danielle C
Jun 04, 2021
Houston was expeditious from start to completion of our loan. He was professional and easy to work with. We were impressed by his work ethic to get our small loan done and look forward to working with him on future endeavors.
Sarah H
Apr 27, 2021
Mr. Dunkin and his team are absolutely the best!! He made the process so quick and smooth. His team was extremely efficient and they got the work done fast. They are always available to help you and to answer any questions. I will 100% recommend them to anyone who is looking to purchase a new home. Thank you Mr. Dunkin, Kristina and Wendy from the bottom of our hearts for helping us get our dream home!!!!!!!
Oscar R
Apr 24, 2021
Very fast and easy process
Wakira P
Apr 24, 2021
Mr. Dunkin is awesome and always available. He keeps in constant communication throughout the whole process and explains process in detail to my customers. I highly recommend him.
Yuri M
Apr 19, 2021
During our refinance, Houston and his team guided us through an easy and smooth process.
Raul L
Apr 13, 2021
Customer service and guidance along every step of the way. Always communicated in a timely manner as well. Very pleasant and cooperative.
Jenise F
Apr 12, 2021
Houston said I’d close in 3 weeks, & no fooling, I did!
Paul T
Apr 04, 2021
Freaky fast!
Jose R
Mar 26, 2021
The process was (1) easy; (2) communication with Becky was timely and clear, and (3) closing with the selected title company was painless.
Richard B
Mar 22, 2021
Low rates, great service.
Kristina C
Mar 09, 2021
Lots of questions and hoops to jump through that did not make sense to me but Houston and Becky took time to help me understand why these things were needed and ultimately got me closed with a great rate.
David D
Mar 09, 2021
Everything was simple to email or upload. The communication was great and we got to close early. I did my part getting all documents turned in immediately and they returned the favor of keeping my loan moving right along and communicating well. It was a quick and smooth transaction.
Thank you team Finance Home America!
Arthur S
Mar 09, 2021
Great support all throughout my first home purchase; staff was understanding and willing to work with my needs.
Miguel M
Feb 04, 2021
Real time communication and ease of service.
Hector M
Feb 01, 2021
Thank you!
Ashley O
Jan 25, 2021
Houston and all of his staff are amazing! Great service, lots of patience and they work until you get CLOSED! Very knowledgeable and explain each step going forward! A great experience. Thank you for assisting us!
DENDEA B
Jan 16, 2021
Quick and easy. No hassle. Just a smooth transaction. I will be doing business with Houston Dunkin again.
Alejandro D
Dec 31, 2020
The expedited process and vast knowledge/experience
Gabriel A
Dec 20, 2020
Awesome experience with the lender and his amazing right hand person Ms.Becky!!! Made this process easy
Brittany C
Dec 17, 2020
I have conducted several transactions with Houston Duncan. My clients enjoy doing business with him. He is thorough, timely and extremely dependable. From start to finish you can count on his word and his performance. I look forward to every transaction with Houston. On a scale of 1-10, I give him a 12.
Ricky A
Nov 29, 2020
Thanks you so much for all you did for my family, I truly appreciated . You walk on water !! Hope to do business you again in the the near future ! Take Care !
Robert T
Nov 18, 2020
Great service!
Cassandra G
Nov 06, 2020
The whole process was made easier because Houston was constantly in communication with us and letting us know exactly what we needed and when.
Erin H
Nov 03, 2020
From beginning to end the process went incredibly smooth. We never had issues and the times we communicated were mostly to update me on how things were going. I don't have a single complaint and I am extremely grateful for all of your help.
Jose V
Nov 02, 2020
Everything went great.
Carolyn N
Oct 20, 2020
It was an easy transaction with Houston.
Christy N
Oct 20, 2020
My clients and myself had a GREAT experience with Houston Duncan at Finance Home America. We received world class service, and great rates! I am looking forward to working with Houston and his team again. Thanks!!
Carlos C
Oct 06, 2020
Houston is great to work with. He is personable, professional, and knowledgeable. He made the sale process go smoothly!
Norma C
Oct 02, 2020
Mr. Dunkin made purchasing my first home so easy and hassle-free. They guided me through the entire process, step by step. Had I known purchasing my first home would be this stress-free I would have made the decision years ago. We hear horror stories about the difficulties in purchasing a home, but with Mr. Dunkin my experience could not have gone any better. I would recommend them 100 times over! Beyond excellent service, I could not be any happier.
Lillian R
Oct 01, 2020
You maintained constant communication with me regarding any changes, updates, etc. and just simply providing peach of mind that all was being taken care of. Thank you!
Loretta P
Oct 01, 2020
Houston was very professional. He worked with a sense of urgency, and clearly communicated every step of the Loan Process. I have recommeded Houston to my family and friends.
Leticia T
Oct 01, 2020
Houston and his assistant were on top of things, attentive and were focused on closing my loan fast. They truly understand urgency.
Juan R
Sep 28, 2020
Everything! It was a smooth and quick loan process and my buyer were very pleased! :)
Monica J
Sep 14, 2020
Mr. Duncan was straight foward with all the information given to us. The closing process was really smooth and were able to save money to furnish our new home. It was an awesome experience and a pleasure working with Mr. Duncan. He is great at what he does. I would definitely recommend him to anyone looking to build or purchase a home.
Rinaldo C
Sep 14, 2020
Great service!
Helena G
Aug 28, 2020
Dunkin went above and beyond. Amazing customer service. Thank you for everything you did for us!
Astrid G
Aug 09, 2020
Houston is my "ferrari" of preferred lenders. He answers his phone and calls you back! He STILL closes deals (even with COVID-19 delays) by the contract deadline when other lenders are lagging weeks behind. I unequivocally recommend him!
Reagan L
Aug 07, 2020
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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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.