CHEER SQUAD
Judy and her team were excellent at keeping me in the loop during the process and we closed ahead of contract date!
Vanessa P
Aug 11, 2022
Great communication! Overall was a great experience, especially for a first time homeowner like myself.
Lacey Jae P
Jul 27, 2022
Judy is on top of everything. She makes the process so easy!
Tony G
Jul 13, 2022
Judy is a great human being! Always available, very informative, and such a huge help!
Gustar M
Jun 25, 2022
Absolutely wonderful experience! We loved working with Judy and would recommend her to friends.
Donna P
Jun 13, 2022
Judy is outstanding! She ALWAYS made herself available by answering my phone calls and any question I had. She took the time to go through different financial options and scenarios to do what was best for US at every turn. She is professional, courteous and truly compassionate. She kept me informed at at every step of the way. Her communication was impeccable. This kind of service is a rare find in today's world! I am so grateful, Judy. Thank you from the bottom of my heart!! Eustis has quite an asset in you!
Tiffany S
Apr 12, 2022
Judy is so knowledgeable, professional and personable. Our loan process with her was flawless. Thank you Judy!
Robert D
Mar 19, 2022
Everything was very easy to understand and really made the whole process enjoyable
Austin S
Feb 16, 2022
The friendliness and professionalism of the staff
Jo-Ellen D
Jan 27, 2022
Judy did a great job of rolling with the changes and back and forth on this loan. She also did a great job ensuring we could close on time.
Keegan B
Jan 13, 2022
Thankyou Judy and her kind and friendly team for all the help and patience while we refinance our home. Communication was great, guidance on how to gather information was helpful and the closing went smoothly. We really appreciate the time and dedication Judy gave us while working on our refinance.
Fernando S
Dec 29, 2021
Judy and her associate Robyn were both excellent at communicating and explaining issues.
Rudolph R
Nov 30, 2021
Great friendly service
Joseph L
Nov 29, 2021
Judy was very helpful with this process and answered all of our questions
Selena F
Nov 11, 2021
Judy was very helpful.
Michael T
Nov 10, 2021
Judy communicated well with me. She reminded me of time sensitive due dates, etc. Judy was awesome to work with.
Benjamin M
Oct 01, 2021
Judy and her team were amazing! This was my very first home purchase and the process was smooth and easy. I've already recommended Judy to an associate.
Chanel L
Jul 07, 2021
Judy was very knowledgeable, responsive, and a pleasure to work with. I definitely would like the opportunity to work with her again when applying for future loans.
Drew H
Jul 07, 2021
Judy is always on top of things and keeps us all advised without ever having to ask.
Cherie B
Jun 11, 2021
I can always count on Judy to communicate and problem solve on even the most complex files. Her experience and service are unsurpassed.
Vanessa D
Jun 07, 2021
Everything went very quickly. We closed in 4 weeks.
Tynicka J
Jun 07, 2021
We was able to close on our house in 4 weeks thanks to Ma Judy.
Karl J
Jun 07, 2021
Very professional and easy to work with. Very quick response to any questions or concerns.
Mildred B
May 17, 2021
Judy is the absolute BEST!!!!!! I would recommend her to anyone looking to buy! Her experience and knowledge is limitless!
Warren H
May 13, 2021
Judy did a fabulous job of keeping me apprised every step of the way. That made the entire process very manageable and always moving forward.
Keith G
May 11, 2021
Prompt and clear responses.
Myra T
May 10, 2021
Judy was very responsive to any and all of our questions! She made the entire experience a breeze!
Jeanna O
May 07, 2021
Judy was very helpful and she stayed in constant with us through the whole process.
Lora J
May 06, 2021
Judy was very helpful throughout the process and she kept us informed of any changes.
Michael J
May 06, 2021
Judy was very attentive at all hours of the day whenever I called on her. She made the home buying process extremely easy. She is a true professional.
Jefferson C
May 04, 2021
The transaction had it's ups and downs, but Judy helped get us to the closing table.
Reese G
Apr 22, 2021
communicates very well
Crystal D
Apr 22, 2021
From start to finish our experience with Eutis was a great and smooth transition. We didn’t feel like a number or just a client. Our POC treat led us as family! Always looking out for our best interest. I would definitely recommend this Mortgage Company.
Desmond H
Apr 22, 2021
Great service! Punctual experience!
Shartelle N
Apr 09, 2021
Judy Pelitere is always on the ball, a step ahead. She keeps the buyers in track and keeps the agent in the loop at all times. She is always professional and answers any questions that arise. She is the best!
Connie Q
Mar 17, 2021
It was very fast and easy. Judy was very responsive and always answered the phone when I called her. She made the process very easy. It was a pleasure to work with Judy.
Sacha C
Mar 12, 2021
Judy was extremely helpful from the first phone call. Her knowledge and resources made our home buying experience a great one!
Adam M
Mar 12, 2021
I had no experience in this mortgage application process. Judy helped me through the entire process. She even took after hours calls and texts. She advised me on the use of the app when the necessary private/confidential information was needed. Thank you very much Judy!
Kathleen P
Feb 19, 2021
Judy is always available either by phone, text or email! Great communication.
Georgann P
Feb 10, 2021
Judy is the best. She’s great at her job and a really wonderful person to deal with.
Kevin L
Feb 10, 2021
Judy was very easy to deal with and super efficient.
Patrick M
Feb 04, 2021
Thanks
Cara H
Jan 14, 2021
Timely and clear. Thank you!
Stephen E
Jan 09, 2021
Our experience was surprisingly simple thanks to JUDY! She was always available and responded immediately to questions with great solutions. We will highly recommend Judy to anyone who asks!
Barbara G
Jan 03, 2021
Mrs Judy was on the job since I contacted her I will always do business with her !!!!!
Edward C
Dec 30, 2020
The refinance process went quickly. All questions were answered and concerns addressed. Overall, great experience.
Wanda P
Dec 04, 2020
Judy was there and on top of things every step of the way. She gets the job DONE!
Beth D
Nov 21, 2020
Judy was very helpful and knowledgeable.
Lovie G
Nov 09, 2020
Judy and her staff were easy to work with, timely, professional and caring. They were easily accessible, patient, and had excellent communication skills.
Beau E
Nov 04, 2020
Great service. Great rates. Great and easy experience.
Melissa C
Nov 04, 2020
Judy went above and beyond to make the process go smoothly from start to finish.
Daniel T
Oct 20, 2020
Knowledge of the process. Follow up. Answers communications ASAP.
Susan G
Oct 17, 2020
Judy made my entire home buying process a breeze... Her pleasant attitude and professionalism is unmatched!!!
Lorean O
Oct 17, 2020
Judy is easy to work with, organized, and willing to help a first time buyer overcome any confusion they may have about the process of homebuying. She is a great lender, and I have no reservations about referring her, and Eustis, to my buyers all of the time.
Jessica M
Oct 13, 2020
Ms. Judy is the best. Very patient and willing to do whatever it takes to get the deal done
Russell R
Oct 01, 2020
Everything went well even through the ups and downs. Rate mortgage company
David B
Oct 01, 2020
Mrs. Judy is a pleasure to work with and made our refinance experience a smooth transition.
Brandi R
Oct 01, 2020
Very good communication... Makes the process smooth and comfortable.
Sandeep B
Sep 25, 2020
Refinanced two properties. It was a smooth transition.
Albert P
Sep 25, 2020
Judy is a seasoned professional who's not deterred by stumbling blocks along the loan process. She truly understands the intricacies of mortgage lending and is so responsive, even on weekends.
Vanessa D
Sep 24, 2020
very responsive
Gayle D
Sep 24, 2020
Judy worked through everything with us and was very responsive to our needs. This was especially true when we were attempting to decide getting cash out as part of our refinance.
Raymond B
Sep 22, 2020
very responsive to questions
Denise B
Sep 19, 2020
Every time I emailed regarding a question or concern, I received fast responses. Every time I called, Judy was always available. I’ve been telling my co workers who are also refinancing about my awesome experience.
LeJan P
Sep 17, 2020
Judy is very patient and very knowledgeable
Michael P
Sep 04, 2020
Great A Plus
Chase C
Sep 04, 2020
Judy was always (and I mean always) available to answer any questions or concerns that I had. She made the process very simple, and as usual, offered the lowest rates with nothing hidden. I have utilize Eustis for years concerning mortgages and they have always kept things simple, quick, and most importantly honest. Always a pleasure working with Eustis and Ms. Judy! Great to keep things local. Keep up the great work!!
Michael H
Sep 02, 2020
The entire process was easy - it was a great experience.
Barbara L
Sep 01, 2020
Thank you for making everything quick an easy!
Paul T
Aug 25, 2020
great communication!!!
Devin H
Aug 16, 2020
Judy was very professional and efficient. She communicated and resolved all issues and concerns in a timely manner.
Glen M
Aug 12, 2020
Judy was very responsive and easy to talk to, and we really appreciated that.
Molly B
Aug 12, 2020
Judy and everyone we spoke with at Eustis was pleasant and thoroughly professional. My husband and felt our concerns were heard, and ,always, promptly addressed.
On behalf of my husband and myself. I want to thank Judy and the Eustis team for all your help.
Mary O
Aug 01, 2020
Judy was great to work with! She was very responsive and quick to get everything done! I would highly recommend Judy to everyone!
Patricia S
Jul 18, 2020
Judy made the process very smooth. She was always there to answer any questions we had! Thanks again.
Georgann P
Jul 16, 2020
Judy is the best lender I have worked with. She is always accessible and prompt in returning a call. Judy is extremely patient in explaining the process, putting the buyer at ease. She keeps the buyer and me informed every step along the way, answering questions as they come up. She is always professional and as an agent, I know that my buyer and I are in the most capable hands. I will recommend Judy every chance I get!
Connie Q
Jul 13, 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.