CHEER SQUAD
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
Communication
Shavon A
Oct 21, 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
She made my dream as a single mother of three come true!
Shandranella B
Oct 01, 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
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
Extremely smooth process!
Stephanie D
Jul 07, 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
Very professional
Walter M
Jun 07, 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
Janice was very helpful at every step of the process!
Jared E
May 16, 2021
Janice is awesome
Jonathan T
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
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
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
Transaction was quick and pain free. Everything was done in a timely manner.
Eloise G
Feb 10, 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
Excellent service
Terry I
Jan 24, 2021
Janice was great! Communication was fast and clear. I’d go with a local lender over a national chain any day.
Kyle A
Jan 23, 2021
Everything was done very quickly and in a timely manner. Mrs Janice was awesome. Got everything don’t professionally. Will defiantly recommend. Very pleased with the outcome. Very excited about being a new home owner. Thank y’all so much.
Herbert F
Jan 13, 2021
Quick to reply and handle any of my questions and concerns. Very knowledgeable and caring.
Ajor K
Jan 03, 2021
Best lender we deal with!!!
Steve M
Jan 02, 2021
Janice responds quickly and very easy to work with .
Kim A
Dec 30, 2020
Fast and efficient.
Ms. Janice is easy to deal with and she’s a great communicator.
Amalia T
Dec 18, 2020
Janice was always fast to get back with me and even worked with me in the weekend. She was very kind and always helped with my problems.
Haley C
Dec 14, 2020
Mrs. Janice did a fantastic job walking us through the process of buying our next home. She answered all our questions promptly and made the whole experience easy!
Warren L
Dec 05, 2020
Mrs. Janice is so easy to talk to and so accessible. She made the whole process so easy!
Melissa L
Dec 02, 2020
Great experience with no hitches. Glad she was recommended by a friend in the industry.
Crystal R
Nov 29, 2020
Another successful closing. I love the passion she has for all her clients. Ms Janice is definitely here for the right reasons. Thanks for everything maam.
Desiree D
Nov 29, 2020
Janice is the best! She always takes care of my clients even when they aren’t quit ready to purchase. She’s great at letting them know how to get there credit score up so they can purchase in the future. The deals we get under contract are always so smooth with lots of communication! I send all my clients to Janice.
Marilyn H
Nov 03, 2020
Janice was always quick to respond to any questions or concerns that I had. She made the experience very quick and painless.
Sophia O
Oct 24, 2020
Janice was very pleasant to work with! She was the cream of the crop!
Pamela H
Oct 23, 2020
Janice House bent over backwards to get us taken care of. She worked tirelessly to get this house closed. We are forever grateful!
Joshua W
Oct 04, 2020
Janice and her staff are always friendly and provide outstanding customer service.
Michael D
Oct 01, 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 of less than 20 percent. Some of this information may be difficult to determine on your own; please contact a mortgage specialist to review the most accurate monthly mortgage payment for the area you are purchasing.
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COPYRIGHT 2021 | EUSTIS MORTGAGE | ALL RIGHTS RESERVED
EUSTIS MORTGAGE IS AN EQUAL OPPORTUNITY EMPLOYER THAT WELCOMES AND ENCOURAGES ALL APPLICANTS TO APPLY REGUARDLESS OF AGE, RACE, SEX, RELIGION, COLOR, NATIONAL ORIGIN, DISABILITY, VETERAN STATUS, SEXUAL ORIENTATION, GENDER IDENTITY AND/OR EXPRESSION, MARITAL OR PARENTAL STATUS, ANCESTRY, CITIZENSHIP STATUS, PREGNANCY OR OTHER REASON PROHIBITED BY LAW.