CHEER SQUAD
Tobi’s responsiveness and readiness to help with any and everything.
Tyler M
Mar 01, 2023
Tobie was very quick to respond to questions and was always very helpful and pleasant to speak with.
Benjamin H
Feb 04, 2023
Very impressive on fast smooth everything went!!!! Thanks Tobie
Dwayne W
Sep 07, 2022
Tobie is always punctual in her responses to questions even late in the evening. She is always nice to talk to and goes above and beyond during the process.
Coleman E
May 20, 2022
Everything!!
Timmie C
Apr 24, 2022
Nothing would’ve made it better it was great it’s just there’s always hiccups along the way with everything you do and I don’t think that y’all could’ve helped with the hiccups but y’all did great
Katie D
Apr 07, 2022
Tobie worked great with us.
Franky K
Mar 11, 2022
Everything
Ramona H
Mar 03, 2022
She is phenomenal!!!! She stayed on top of the loan the entire time and was great at guiding me through the entire process!!! Loved working with her!!!
Candace E
Feb 07, 2022
Lovely experience,very professional and kind easy to work with
James W
Jan 26, 2022
Tobie was very unstanding and helpful
Alfred W
Jan 26, 2022
The politeness of ms Tobie and the knowledge that she has
Shane V
Jan 26, 2022
Tobie Young Is The BEST!!!
Destinee A
Jan 24, 2022
Easy to talk to and work with and very helpful and considerate
Tyler T
Dec 06, 2021
Tobie is extremely professional and answered all my concerns initially, and the process went smoothly.
Brad D
Dec 04, 2021
Tobie was professional and very informative! With Tobie, the process was seamless.
Adrianne P
Nov 29, 2021
Tobie Young was great to work with.
Larry M
Jul 29, 2021
Tobie Young made it great for myself and clients as well!
Derrick L
Jul 26, 2021
Jessika L
Jul 23, 2021
She explained everything to us as we went along and answered any questions we had and always returned a call and was very polite.
Lisa M
Jul 20, 2021
Tobie has always provided excellent service to my clients. She does a fantastic job from start to finish to help buyers get into their new homes!
Christy Q
Jun 08, 2021
Tobie went above and beyond to help get us 8nto our first home.... She was a blessing to work with when our family was dealing with some of the worst of times, lost my mother and father one week before closing. Tobie helped us so much by keeping up with what we needed to finally get a home.....
Jennifer H
Jun 07, 2021
Great communication and closed early!
Ron B
May 10, 2021
She was very nice and communicative.
Rebecca C
May 08, 2021
Tobie Young
Derrick L
Apr 19, 2021
With being in school and my wife and I both working full time we expected the process of buying our first house to be stressful. Tobie was able to make it a smooth and stress free experience and was able to explain any question I had every step of the way.
Ryan Y
Apr 04, 2021
Tobie answered all of my questions and provided a wonderful refinance experience.
Katie R
Mar 13, 2021
Tobie has immensely helped me twice now (repeat customer!)...she's THE best!! Her detailed knowledge, vast experience, solid trustworthiness, professional dedication, and attentive service while deeply caring is simply unmatched! I proudly refer her to others, and would go to her again for any matters in this field!!
Scott L
Mar 10, 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.