CHEER SQUAD
Nate is the absolute best, this was our second go round and it just keeps getting better and better. Hopefully I’ll be reaching out to him on my next purchase.
Thanks Nate!!
Darrell D
Mar 08, 2023
I was not knowlegable about the process and am new to New Orleans. Everyone was supportive and I cant believe we got this done so fast. Thank you!
Susan F
Sep 07, 2022
Quick response time
Molly C
Jul 10, 2022
Nate, Blayne, and Laura are an absolute dream team to work with. I had to switch lenders two weeks before closing, and the three of them were able to take me on with such short notice. In the time I worked with them, they were completely communicative, fun-spirited, efficient, and able to answer any question I had. If I could give each of them 10 stars out of 5, I would gladly!!
Adam L
Jul 05, 2022
Nate was great from the beginning to end. He was on top of everything and explained everything very thoroughly. Thanks Nate
Darrell D
Jun 07, 2022
Great easy to work with very knowledgeable
Vincent L
May 10, 2022
Nate was able to answer all my questions and was very upfront and honest with me through out the whole process!
Virginia P
Apr 19, 2022
Nate and his team went above and beyond to always answer my questions and phone calls, even after hours. He was always reachable and more than willing to help make my first-time home buying process as smooth and easy as possible. I will be using him again in the future!
Lunden M
Mar 22, 2022
Nate answered all our questions and made us feel at ease throughout the process.
Andrew P
Feb 16, 2022
Nate was well prepared and knowledgeable. He was an absolute pleasure to work with.
Jeremy W
Jan 18, 2022
Our overall experience with Eustis and Nate was wonderful!
our home buying process went smoother than i had anticipated. Nate was excellent with keeping us informed and communicating every step of the way. I would recommend him to anyone!
Paula T
Jan 03, 2022
Nate was amazing! He was extremely helpful through the entire process. He was frequently available for my questions and concerns and if he wasn't available at the time his response time was always quick. Most important, he never made me feel like an inconvenience. I will be recommending him to anyone I know who is looking to buy.
Jazmin M
Dec 16, 2021
Felt like I was working with a family member through this process. Loved it
Dustin C
Dec 03, 2021
Nate and his team worked closely with me every step of the way through my home purchase. It was a very pleasant and seamless experience! Thank you Nate!
Linda L
Nov 01, 2021
Great facilitator
Michael S
Oct 29, 2021
Very responsive and knowledgeable. Nate went above and beyond to make sure we were comfortable throughout the process.
Joseph S
Oct 12, 2021
We have gotten a great experience with you guys. We will do more business with you.
Norman R
Aug 08, 2021
Friendly Hospitality
Joseph P
Jul 28, 2021
Nate and his team made the whole process so easy.
Nicholas C
Jul 26, 2021
Nate was amazing. Took care of everything and kept us in the loop on everything!
Shalane T
Jul 23, 2021
Communication and very helpful and having a lot of Pashint with me
Luis C
Jul 02, 2021
As a first time homebuyer, my nerves were calmed greatly by Nate! He’s a straightshooter and made himself available for all of my concerns.
Amanda M
Jun 30, 2021
Great experience. Always responded and answered any questions I had. Would highly recommend Nate
Kent B
Jun 16, 2021
Nate's communication throughout the entire purchase process is flawless and timely. He is always quick to pick up the phone to explain things and answer questions for myself and my clients. Thank you for getting us to the closing table, Nate!
Magan A
Jun 16, 2021
Helpful information throughout entire process!
I highly recommend Mr. DiGiovanni, great experience
Garrett S
Jun 08, 2021
Nathaniel was very communicative and punctual. He answered any and all questions me or my client had. Extremely professional and personable. Highly recommend
Bobby L
May 24, 2021
The service was very great very good communication the numbers that they explain about the housing and buying a house it was just a lot that me and my husband didn’t understand at first but we understand now and they walked us to everything and they were actually right there like though the whole thing and that was very great great Ana I appreciate it all
Rickelle H
May 07, 2021
Nate is a great communicator and is very knowledgeable. He is constantly available to answer any questions or concerns.
Lazaro S
May 07, 2021
Nate had a fantastic personality, communication skills and was an absolute miracle worker!
Chad G
May 04, 2021
Nate is a great guy! He was very friendly, professional and helped me the whole way through, always kept me informed and updated. I wouldn’t own a home if it wasn’t for him.
Dillan W
Apr 27, 2021
Nate and his team took real good care of me every step of the way helped me understand everything and kept in contact with me giving updates and answering my questions this isn't the first time I've used him and each time I was pleased and never disappointed
Johnny M
Mar 29, 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.
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COPYRIGHT 2023 | EUSTIS MORTGAGE | ALL RIGHTS RESERVED
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.