Janice was very helpful and very patient with me. Always answered my million questions that I had even after hour's of business. Always either text me are called me with update’s and the answers to my questions. Thanks for everything.
Thanks Mrs. Janice
William J May 07, 2022
Eustice answered all our questions, communicated with us constantly, and helped us close on time so we could keep our locked in mortgage rate. Great overall experience.
Brandon F Apr 23, 2022
Janice did a awesome job!!! Thank you so much
Bertha M Apr 14, 2022
Easy to work wit
Paul J Apr 12, 2022
It was the easiest closing I have ever experienced.
Paula O Apr 08, 2022
Great communication and service.
Kyle O Apr 04, 2022
Janice was always there when we needed her.
Jeffrey S Mar 30, 2022
Janice made it a pleasant and informative experience.
Timothy F Mar 27, 2022
Janice is very patient in making sure we understood every document we had to sign and especially our payment options with paying our monthly note.
Phillip A Mar 23, 2022
I felt so bad, we asked to get our closing for a certain date and you did it. Took our calls on a Saturday. We know you worked hard to get that closing date and all the delays and craziness. But when our buyers had nothing ready, I felt so bad. Thank you for doing what you do and never showing us any aggravation.
Cathy M Mar 11, 2022
Communication, communication, and communication. Janice was on top of all my required documents and worked with me every step of the way to ensure the process was as smooth as possible.
Bryan J Mar 03, 2022
We started this process in late 2020 and did not actually close on house till 2/4/2022 due to issue with first mobile home dealership. Janice made a truly frustrating process easy and did everything she could to make sure I was taken care of. I am not sure what you are paying this wonderful lady but she needs a raise! I would recommend her to anyone over and over again!
Justin W Feb 07, 2022
I am a difficult person, I try not to be but I know that I am and they did not make me feel like I was being difficult.
Jennifer C Jan 12, 2022
Janice is a very knowledgeable lender.She will patiently walk with you through your process, She is always accessible and responds timely and makes you feel like her number one client. From application to closing is stress free.I had horrible lender experience prior to going to her and thought I would never be able to own a home. Janice got it done!! I will definitely recommend you do business with her.She is a jewel to her profession.
Stephanie A Jan 09, 2022
Janice went above and beyond to get us closed. Her communication with us and our realtor was on point!
Gerald H Jan 01, 2022
This was mine and my wife’s first house buying experience and it was such a awesome experience, being able to e-sign, made it quick and easy. We never had to wait when calling or texting or even emailing, Janice answered in seconds. Thanks so much for your hard work and dedication to our first house buying experience. Because of you this experience was awesome
Dustin C Dec 08, 2021
First time home buyers and we are so grateful for all the help and information we received!
Ashley C Dec 03, 2021
Janice made the process as easy as could have been and was always in constant contact with me to answer any questions I may have had. She was very straightforward with all answers and told me exactly what I needed to do!
Haily D Dec 02, 2021
Janice has gone above and beyond in every transaction we’ve ever done with her. She is amazing and knowledgeable, and very prompt in getting things done. She makes the house buying process much less stressful!!! We love her so very much and highly recommend her to our friends who are buying houses!
Haley W Nov 27, 2021
Janice was always always quick to respond to all my questions and needs.
Mandalyn P Nov 16, 2021
Janice was great to work with! She did everything she could to make the home buying process a easy one. Thank you again Janice
Meikarya G Nov 16, 2021
Easy and not stressful!
Joshua W Nov 11, 2021
Janice was very helpful at every step of the journey. As a first time home buyer she was excellent at answering my questions and always had a quick response time!
Kelley F Nov 02, 2021
Shavon A Oct 21, 2021
This was such an easy process! We had the preapproval right away and after getting our required documents in, everything was ready for underwriting within days. From our offer to closing it was only 3 weeks! Janice was very responsive and so helpful and kind. I’m still amazed at how easy and seamless this whole process was. Thank you so much!
Kathleen S Oct 20, 2021
Janice was great through out the entire process! 10/10 Recommend. She would respond to questions anytime during the week/weekend.
Turner F Oct 11, 2021
Janice , made herself available at any time & explained every concern that I may have had. Very humble & amazing at what she does .
Jacory G Oct 07, 2021
Getting support and help thru it all y'all did wonderful and amazing thanks
Reginald R Oct 01, 2021
She made my dream as a single mother of three come true!
Shandranella B Oct 01, 2021
Janice was a pleasure to deal with, she was quick and communication during the whole process was great.
Tony L Aug 10, 2021
Working with Janice was wonderful! The process was so easy and very organized!
Anna L Aug 10, 2021
Janice made the whole process easy and stress free! Everything went so smooth and we are so happy over the entire process!!
Joshua Z Aug 07, 2021
Caleb E Jul 29, 2021
Janice is so professional, helpful and knowledgeable. Her communication is clear and prompt. I wouldn’t want to do a home loan or re finance with anyone besides Janice.
Brigette E Jul 29, 2021
Everything was explained with detail and I was provided with excellent service. No complications at all. 10/10!
Ansin L Jul 29, 2021
Janice House and Eustis Mortgage is a company I refer clients because I can rely on great communication and wonderful service.
Janice M Jul 26, 2021
Mrs. House was patient and caring. She was also very understanding and took the time to explain each process we had to make. So she made our experience easy!!!
Lee C Jul 24, 2021
As usual, Janice was awesome!!!!! We were working with a couple that it took 5 houses to find the right one and Janice was there with them all the way helping and guiding them. Thanks, Janice. Once again, you are the woman for the job. :-)
Jayne T Jul 20, 2021
Extremely smooth process!
Stephanie D Jul 07, 2021
Ms. House went beyond expectations to make our new home mortgage lending procedure easy and comfortable. She made my wife and I feel at ease and comfortable during all the legal paperwork that was required to get a new home loan. Hats off to this beautiful lady, she made our dream of new home ownership a reality!! Thank you, Janice House, and your staff, you are all blessings in our lives! Michael E Thornton and Marjorie L Thornton.
michael T Jun 13, 2021
Janice was always quick to answers emails and phone calls for our many questions! Very prompt and thorough in her understanding and explanation of everything. I highly recommend her as a lender!
Markus S Jun 08, 2021
Walter M Jun 07, 2021
I would 100% recommend Janice to my friends and family. She always looks out for my clients best interest. A top notch professional working for a top notch company.
Adam L Jun 04, 2021
Janice has always been so helpful in answering any questions I have had and always very prompt. I appreciate her responsiveness and general kindness.
Latisia M May 25, 2021
Great personality and customer service... Thorough
David M May 24, 2021
Working with Janice was amazing. She walked me through the whole process, start to finish. Answered all my questions (and boy did I have a lot). As a first time homebuyer, I was so nervous! Janice made it easy and painless!!
Melissa D May 17, 2021
Janice was very helpful at every step of the process!
Jared E May 16, 2021
I am a military veteran and I didn't know if I still qualified for a VA home loan. Mrs. Janice and her team did some research and found that I did still qualify for a VA home loan. It was a smooth and stress free transaction. I will be recommending all veterans and friends and family to Eustis Mortgage Corporation!!!! Thank you Mrs. Janice.😊🙏
Tina T May 12, 2021
Janice is awesome
Jonathan T May 07, 2021
Fanny C May 07, 2021
Janice House is by far the best person at what she does for her job. I have tried many different banks and she is by far the best I have came into contact with to get approved and get the loan going with my house I purchased. I can't thank her enough for the hard work she does and for making my first home buy easy!
James C May 07, 2021
Very helpful and professional! Always ready to answer questions and made for an easy process!
Kimberly L May 07, 2021
Janice is great. Easy to communicate with and quickly responds to every question and request. I highly recommend!
William D May 04, 2021
Ms. Janice House was amazing, very paitent and understanding and great at communicating. Will recommend her to everyone.
Bethany M Apr 28, 2021
It was a hassle-free experience. Janice asked me for some documents and followed up with a few questions. It was just that easy. Thanks, Janice!
Jo B Apr 04, 2021
Janice went out if her way to get my loan right and to calm my anxiety. She gave almost immediate answers to many questions and made sure everything worked.
Sarah H Apr 04, 2021
Janice does a great job on every transaction. I have great faith in the entire process.
Janice M Mar 26, 2021
timely service and agent explained and walked us the whole process
Orlando J Mar 12, 2021
Janice House is the “BEST”...
Frederick H Mar 12, 2021
What made my experience great was how comfortable I felt about talking with Janice and how friendly and professional everything was handled. I would recommend 10/10 to everybody!
Christopher C Mar 12, 2021
Janice was great!
Michael A Mar 12, 2021
Janice takes my calls day and night and makes me feel like I’m her only client. She’s very on top of things. I’ll continue to recommend her to everyone I know.
Marilyn H Mar 12, 2021
Janice worked very hard to make sure I understood everything and keep me posted about the status.
Tamara W Mar 12, 2021
Janice ALWAYS is able to provide not only quick but sometimes after hours responses and answers for my clients. She is super great at helping my clients be able to accomplish the goal. I really appreciate the fact that we (myself and my buyer) are getting up to date and correct info and knowledge from Janice with each conversation. Thanks, Janice.
Jayne T Mar 09, 2021
Janice is prompt, knowledgeable and always available for my clients , I would recommend her for ALL your mortgage needs .
Kim A Mar 09, 2021
Communication!! Sweet lady as well.
Rhonda A Mar 01, 2021
Everything was so quick and easy with Janice! She was great guiding me through the process.
Samantha G Mar 01, 2021
Janice was absolutely fantastic throughout the entire process. I couldn't have asked for a better provider than Janice. I was working long distance on this purchase. As I worked with Janice, she made me feel as if I was a long time customer and was actually in her proximity, when in fact, I did everything from Dallas, Texas. I couldn't have done this without her professionalism and help!
James P Feb 22, 2021
Transaction was quick and pain free. Everything was done in a timely manner.
Eloise G Feb 10, 2021
Janice made our refinance quick and easy. Just like she did when we bought this house years ago, Janice made this experience a breeze. Thanks!
Wesley W Feb 05, 2021
We were pleased with the service overall and the time it took to complete the process. Thanks...
Rodney I Feb 04, 2021
Janice is great to work with! She is prompt and answers all your questions. This was our 2nd time to use her and will use her again in future!
Stacy W Feb 01, 2021
Our realtor recommended Ms. House and we were very pleased with the service we received. Calls and emails were responded to promptly. Our questions regarding tying our manufactured home and land together were answered professionally and courteously. The entire process was efficient and professional. It was a pleasure doing business with Ms. House and Eustis Mortgage.
Jerrie I Feb 01, 2021
Terry I Jan 24, 2021
We want to make your home financing as easy as it can be. With Eustis Mortgage, you can relax while we handle the details.
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!
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
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
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.
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!
¬ 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
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
You don’t have to settle for a house that only has half of the items on your wish list. With renovation loan you can buy in the perfect neighborhood and then get all the items on your list without coming out of pocket. This loan allows you to combine the purchase price of the home and the cost of repairs and upgrades into a single mortgage. No second lien at a higher interest rate required. Other benefits include:
- Get a home in a great location below market price
- Getting a bargain on a home allows you to move to a higher priced area of town
- Get more bang for the buck with a larger home
- Opens up your search area
- Your home fits your taste and family requirements
A remodeling home loan allows you to make your current home into your home for the future. These types of loans allow you to roll the costs of the work you do into one new mortgage. No second lien required, most likely at a higher interest rate. Since this is a refinance, you can also capitalize on lower interest rates, move to a shorter loan term and possibly lower payments.
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.
This a decision you must make. Here is one way of looking at the question: If you can afford the payment and are comfortable with all the other terms, it makes sense to go ahead and firm it up IN WRITING. Do not be overly concerned if rates fall after you lock. If your objective is to purchase the property, you have eliminated one uncertainty. If you are refinancing, locking the rate guarantees that you will reduce your monthly payments or be able to obtain cash you need for home improvements or other worthwhile goals.
You can lock your rate at application, while your loan is being processed and approved, or any time shortly before closing.
Eustis Mortgage offers lock periods up to six months on some loan programs.
PMI is required for conventional loans with a down payment of less than 20th of the value of the home. You can avoid paying PMI by making a down payment of 20 or more of the value of the property you want to buy.
PMI will be automatically terminated when the loan-to-value ration is scheduled to reach 78 assuming all payments are current. Borrowers can request cancellation of PMI when the loan reaches 78 assuming all payments are current. Borrowers can request cancellation of PMI when the loan reaches an 80 loan-to-value ratio, assuming the loan is current.
How do I know whether the house is in a flood zone, and if so, how can I determine my insurance premium?
Eustis will order a flood certification before loan closing, as required by federal law. However, if you would like to find out if the property you are purchasing is in a flood zone, you can contact your insurance agent or check the local library for updated flood maps. FEMA determines flood risk by comparing your lowest floor level to flood levels from the past 100 years. FEMA bases flood insurance premiums on this information. You may need to get a slab elevation if you are unable to obtain this information from the seller or your local permit office
Annual Percentage Rate (APR) is a calculated interest rate that reflects the overall cost of a loan on an annual basis. APR includes interest payments, origination fees, discount points, and other specific costs of getting a loan and is, therefore, usually higher than the interest rate. APR can be useful for comparing different types of loans. However, while all lenders are required to calculate APR based on guidelines provided by the Truth in Lending Act, not all lenders include the same costs in the calculation. This can make it difficult to compare the APR for loan programs from different leaders.
Points, also known as “discount”, are funds paid at closing so that you can get a lower interest rate for the life of the loan. For example, you may be quoted a rate of 7.375 with 0 points or 7.000 with 1 point. One point is equal to 1 of the mortgage amount.
Closing costs are expenses paid, by both buyers and sellers, at the closing meeting. Closing costs include pre-paid taxes and insurance, discount points, origination fees, title insurance, and other fees that may apply to your loan.
Pre-paid items are hazard/homeowners insurance, taxes, and pre-paid interest. Most insurance is paid in advance, so you will be required to pay for your homeowner’s and flood (if required) insurance policy for the first year in advance. Also, the lender will require you to make a deposit of up to 2 months of payments in order to establish an escrow account.
Many loan programs require that the lender pay the taxes and insurance on behalf of the borrower. Your loan officer can determine if the option to pay taxes and insurance yourself is available on the loan program that is best for you.
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.
Types of Loans
Streamline 203K: This is for projects where total renovations do not exceed $35,000. It is more for minor changes like upgrading HVAC, paint, fixing or replacing roofs, patios, septic systems or remodeling a kitchen. It does not allow for structural changes like foundation work.
Full 203K: This for projects that need to be more expansive in nature and may go over $35,000 in total renovations. It can be used for all the repairs from a streamline, but you can also make structural changes and reconstruction, repair or replace plumbing or use it to improve energy conservation, safety or disabled accessibility.
This is a great option when buying a home that needs a little TLC or you want to make your current home into your forever home.
What can a Homestyle Renovation help with?
- In-ground pools
- Interior and exterior upgrades
- Kitchen or bathroom upgrade
Program Flexibility: Conventional loans allow for different terms and down payment. Meaning you can customize your down payment, whether you have a first and a second or if you want to do one loan with Mortgage Insurance.
Program Flexibility: Conventional loans allow for different terms and down payment. Meaning you can customize your down payment, whether you have a first and a second or if you want to do one loan with Mortgage Insurance.
Loan Limits: Conventional loans are capped at a maximum loan amount of $647,250 for single-family homes unless the property resides in a High-Cost Area of the United States.
Second Liens Permitted: Another difference between conventional loans and the other programs is the ability to add a second lien to assist with down payment requirements. This also is a good option when buying a higher price house and need to go above the maximum financing amount in a non-High-Cost Areas.
For loan amounts over conforming limits and up to $3,000,000.
A VA home loan is a great benefit to military personnel during and after their service. Thank you for your service and sacrifice for our country.
No Down Payment: A VA home loan comes with 100% financing. Contact one of our home loan experts for more details.No Mortgage Insurance: Unlike USDA a VA home loan does not have monthly or annually mortgage insurance.
Certificate of Eligibility Required: In an effort to make sure we use your Veteran Benefits properly borrowers must obtain a Certificate of Eligibility . The VA Benefits portal will be able to help you find this information or contact us and we can assist you in getting the info.
Low Down Payment: FHA loans are great for first time home buyers or home buyers that are working with limited down payment. A down of 3.5% is all that is required and can be a gift from a relative.
Flexible Income Requirements: The original goal in 1934 for FHA loans was to make home ownership possible. One way the program does that is by allowing for more flexible income and credit guidelines.
Loan Limits: FHA does have different maximum loan sizes by area. To learn more click on here to see what the Loan Limits are in your city.
No Down Payment: The USDA loan comes with 100% financing. A down payment is not required which can be an obstacle to homeownership.
Low Monthly Mortgage Insurance: The upfront insurance rate on a USDA is generally lower than VA or FHA. It also has one of the lowest annual mortgage insurance fees. Other good news is the upfront fee can be rolled into the loan, eliminating an out of pocket expense at closing.
Only available in certain geographic areas: To get a USDA loan, the property you buy has to be in a USDA designated rural area, but that does not mean it is necessarily farmed land. Over 90% of the U.S. is eligible, which includes small town and suburbs. The USDA Mortgage Eligible Map will show you all the areas where you can use this loan.
Income Limits: The USDA loan was originally designed fro low to moderate-income families. The guidelines for USDA define income level as being 115% of the area’s median income. This income amount if very different in different parts of the country and can be very different in certain areas of a state. Please contact one of our home loan experts to learn more.
- Fixed Rate and Adjustable Rate
- FHA, VA, and USDA Loans
- Jumbo and Conforming Loans
- Conventional Financing
- Renovation Loans
Special Programs for Non-traditional borrowers also available
100% YES! This one decision will make the home buyer process go much more smoothly. The pre-qualification process is simple:
- Gather your personal financial information such as bank statements, W-2 forms and paycheck stubs, and meet with your Loan Officer.
- We will pull your credit report and evaluate your financial documents. With this information, you and the loan officer are able to discuss the best home financing options that will help you achieve your financial and homeownership goals.
- Once you are prequalified, we will give you a prequalification letter to inform your real estate professional and the seller of the property that you’re a preferred and serious potential buyer. This will give more weight to any offer you extend on a property as well as allow you to relax and enjoy the process of looking for your new home.
- How long will you live in this home? Several years, or just a few?
- Do you anticipate your income or finances to significantlychange over the next few years? Do you anticipate significant changes to your income or finances over the next few years?
- Are you either comfortable or uncomfortable with an adjusting monthly mortgage payment? Have you considered an adjusting monthly mortgage payment?
- Do you plan to be out of mortgage debt by, for example, when your children start college or when you retire?
Based on your answers, your home loan expert can discuss different home loan programs that will suit you financially and help you reach life’s milestones.
An FHA loan, on the other hand, is guaranteed by the Federal Housing Administration. FHA is a government agency that works with approved lenders like us.
Typically, origination points are applied and disclosed at the time of locking in an interest rate. On the other hand, discount points can be added at the time of lock or later in the process if you choose to pay to reduce your interest rate.
Origination fees are the fees required to originate the loan. They can include processing fees, underwriting fees, administrative fees, and several others. One of our Loan Officer can give you a complete breakdown of these fees as they vary from state to state.