CHEER SQUAD
It was very professional and efficient. Scott and his team streamlined everything and made the process easy.
Kristen A
Mar 09, 2023
This was the third time I financed a home through Scott Forte. What makes the team great is the general ease they make the whole process. I love the fact that Scott has knowledge and experience in multiple loan types. He was able to get me the best loan for my personal situation which is exactly what you want with a loan officer.
Laurel C
Mar 06, 2023
We always go to Scott for all of our lending needs because he is the best!
Courtney G
Mar 01, 2023
Everyone was very helpful, we are not from the area and Scott and his team made things very smooth! Great experience!
Michael S
Feb 27, 2023
Easy and great experience!
Jaime S
Feb 27, 2023
Scott and his team make the home buying process easy and convenient.
Colby L
Feb 27, 2023
Everyone was very communicative and helpful answering questions and explaining what was needed.
Katherine S
Feb 22, 2023
Everyone worked expeditiously & had pleasant upbeat attitudes. The team was competent & knowledgeable for taking the right actions at the right time. Thanks!
John B
Feb 20, 2023
Scott and his team made the home buying experience simple and easy. They kept me up to date on every step of the process, and we’re always available to answer my questions
Alexander D
Feb 06, 2023
Everything
Robert R
Feb 03, 2023
Michelle and Jennifer navigated the entire process with the greatest of ease. They were friendly yet professional and we had the utmost of confidence in their knowledge and ability. We felt that they truly worked hard to provide the best service from start to finish!
Marvin S
Feb 03, 2023
Gaspard jeffry
Jeffry G
Feb 01, 2023
Working with Scott and the Forte team made our home buying experience smooth and easy. Everyone made us feel cared about and were very accommodating. Jennifer, his spearhead, kept everything running like a well oiled machine and had us ready to close well before our closing date. I can't speak enough to how accommodating everyone was to the point of being available around my work schedule that had me in and out of the country in places like Barcelona, Spain and Geneva, Switzerland. After this experience, I can't ever see us doing business elsewhere.
John O
Jan 17, 2023
Scott and his team were very efficient and communicated with my husband and I every step of the way through our first time financing a home. They were thorough and made sure we felt comfortable and knew what was happening through the whole process. We will for sure be recommending Eustis Mortgage to people we know and feel that we cannot say enough good things about our experience. Thank you for making this process easy for us!
Taylor O
Jan 17, 2023
Communication was key. You guys went to bat for me.
Keiona F
Jan 10, 2023
Always up to the minute with communication.
Sidney S
Jan 05, 2023
Scott was very helpful and efficient.
Courtney M
Jan 05, 2023
Scott is so easy to work with! He answers all questions and makes every step of the buying process a breeze, all while being very efficient and courteous. I highly recommend Scott for all of your lending needs!
Whitney D
Dec 23, 2022
Scott is quite simply the best! Great communication and service from start to finish. This is my third transaction with him and he always nails it!
Robert T
Dec 21, 2022
Scott was able to help us get our offer accepted on our house in a matter of hours! The process was smooth and efficient and we felt supported every step of the way. Thanks Scott!
Regan M
Dec 05, 2022
Scott was very easy to work with and helped make our experience of buying our first home painless!
Stephen A
Dec 02, 2022
Michelle was fantastic: she was communicative, helpful, responsive and I have nothing but good things to say about my entire experience with Eustis so far!
Rebecca M
Nov 01, 2022
Effective and efficient communication with both Scott and his team. A great experience!
Claire K
Oct 31, 2022
Scott and his team make getting a mortgage so simple and fast.
Terry R
Oct 07, 2022
It's nice to call a person and get questions answered quickly
Samuel C
Oct 05, 2022
I was super impressed with how kind and helpful everyone was. As a first time home buyer I was not quite sure what to expect, but Scott and his team made the entire process very easy!
Natalie L
Oct 01, 2022
Very personable and polite with a good attitude. Everyone seemed like they enjoy what they do and that showed through to the ineraction between us. Also everyone worked very hard even after what i think is normal hours to get what seemed like a impossible goal at the time. Would recommend you all without any hesitation to anyone!!
Christopher B
Sep 27, 2022
Scott and his team were so great to work with! We will be recommending them to all of our friends!
Olivia C
Sep 13, 2022
Really appreciate all the effort to get the deal done quickly and the communication to let me know what was needed to achieve that.
Warren E
Sep 11, 2022
Easiest home purchase process ever!
Heather S
Sep 07, 2022
Scott was very communicative and encouraging. The team really worked with our situation to help secure the mortgage we needed.
Storm E
Sep 07, 2022
Scott and his team make the home buying process a breeze.
Ryan H
Aug 23, 2022
The team was quick to answer any questions I had and made the overall experience very comfortable!
Christopher H
Aug 03, 2022
Made it easier than expected.
George D
Jul 10, 2022
Scott and his team were friendly, respectful and were great with making sure we understood everything which was due to great communication. Scott was available anytime we needed him and delivered on time.
John B
Jul 10, 2022
Great communication by Scott and his team.
Scott was available anytime we needed him and given the tight timeframe we had to close he and his team came through on time.
Heather L
Jul 10, 2022
The willingness to help, detailed instructions and constant communication were all extremely helpful for us as first time home buyers.
Casey L
Jul 05, 2022
Everyone was very eager to make sure we got the loan we needed to buy our condo and was very quick to communicate with us.
Sarah C
Jun 20, 2022
Scott was amazing! Made the process very smooth.
Emma S
Jun 08, 2022
The entire team communicated every step of the way! They were all so helpful and so awesome. The house buying process was so much less stressful having this team working behind the scenes.
Keith R
Jun 01, 2022
The app and communication of documents needed
Frank J
May 31, 2022
Scott and his team at Eustice are top notch. The whole process was quick and painless. They don’t treat you as another loan application, they will literally call you just to see how you’re doing. I can not recommend Scott and his team enough.
Austin B
May 31, 2022
First off, the fact that you didn't shy away from the fact that we are recently off of a bankruptcy like other lenders did. Most importantly was that regardless of the number of questions or type of question, Scott or one of his team members was always able to answer and help as best as possible.
Adam S
May 16, 2022
Great communication and always making sure we understood the process.
Jeremiah D
May 06, 2022
Scott, Jennifer and Michelle were very attentive and professional.
David P
May 06, 2022
We never have to worry about a thing when Scott and his team are involved. They are very through and great with reminders. We moved to a new state and we were so nervous about buying. Thank goodness Scott’s team is in our state because it made everything so much better! Even the local title company and real estate agents complemented their great work. They know what they are doing and truly are the experts in the industry!
Elizabeth P
May 06, 2022
Scott and his team were nothing short of amazing. I work in the ICU and am extremely dedicated to blowing off steam on my off days, and they were always incredibly patient with me and my volatile schedule, and helped me out a great deal as a naive first time home buyer. Everyone was so kind, readily available, and knowledgeable! 11/10 would recommend for all of your home loan needs.
Brittany B
May 04, 2022
So easy and time conscious
Joseph G
May 02, 2022
Scott and his team went above and beyond to help us refinance and save money. We could not ask for better communication and knowledge from them. We would definitely use them again and recommend them as well.
Jessie H
Apr 26, 2022
Scott and the girls were excellent. Always on top of things and had our best interest at heart. I have worked with them before and always come back because I know we are in good hands!
Kristie H
Apr 19, 2022
Scott was diligent in his duties and stayed connected through the process. Mrs. Bleakley helped me acquire all the items needed to put my loan package together and was very pleasant to work with. Thank you for your service
Joseph U
Mar 31, 2022
The helpfulness and quick response to our questions.
Darrell W
Mar 14, 2022
Thank you to the entire team for great communication and help every step of the way.
Pauline W
Mar 14, 2022
Scott & his team can close quick! They’re the best!
Robin K
Mar 04, 2022
Communication was great. The team is very knowledgeable and always willing to assist and answer any questions. Got the loan approval in 8 days.
Will definitely recommend to family and friends.
Bassem W
Mar 03, 2022
The communication from the beginning was fantastic. The team answered every question I had and was always available. I felt confident making offers on homes knowing I would be able to quickly send over my pre-approval letters, and I had no doubt I was in good hands throughout the closing process.
Courtney P
Feb 16, 2022
Scott and his team of professionals were able to use their local experience of current markets to ensure our appraisal value was accurate. We would definitely recommend Eustis to others!
David E
Feb 16, 2022
Everybody was eager to help
Mary K
Feb 16, 2022
Scott and his team were professional, knowledgeable and there when I needed them.
Michael M
Feb 09, 2022
Well communicated. Kept the process on track and closed on time. As an investor- that is all I wanted and the team delivered. I will be back in touch
Bradley M
Feb 03, 2022
Service was great
Robert R
Feb 02, 2022
Scott is a class act ! He stands out form others due to his amazing communication and interested in your desires..
Kevin C
Jan 26, 2022
Scott and his team made my entire home buying process so easy! They were available constantly to answer questions and made sure I was happy and super comfortable with everything before closing!! 10/10 would recommend!
Abigail P
Jan 13, 2022
Your staff. Jennifer and Michelle
holly t
Jan 09, 2022
Personal service and questions answered
Christa B
Jan 04, 2022
Scott and his staff
Chris L
Dec 14, 2021
Pleasant Staff
Communication
Service
Terry L
Dec 10, 2021
Your staff were very efficient, professional, and friendly.
Deanna L
Dec 10, 2021
Provided and great rate, helpful, good communication
Mallory S
Dec 10, 2021
It was great!
Pasko S
Dec 09, 2021
Easy, smooth, and quick!!!
Nicholas C
Dec 08, 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.