CHEER SQUAD
Brian is a stud!!
BRENT U
May 16, 2022
Very smooth and easy Brian and Lindsay are the best people to work with made out home loan so easy
RICHARD E
May 05, 2022
Brian was very helpful and friendly and when I need a question or two from him he always got back with me soon as he could when I needed him to respond he did soon as he could he was very professional about his job I would recommend him to anyone
JAMES L
Apr 29, 2022
The entire process from beginning to close was open and informative. Any questions we had were answered quickly. We were never left in the dark at any step of the purchase.
JASPER S
Apr 27, 2022
Good communication and prompt responses from team.
LINDA G
Apr 07, 2022
Brian did an awesome job at communicating and getting us the best rates possible. He was very optimistic and encouraging.
AARON R
Apr 04, 2022
Great communication with Brian. He made everything super easy and understanding.
KIMBERLY T
Mar 27, 2022
The customer service is amazing!
GRAHAM H
Mar 14, 2022
Everything! Thanks Brian
MATTHEW C
Mar 08, 2022
Brian is hands down the best we have ever worked with in the industry! We refer everyone to him.
FRANK D
Feb 17, 2022
Brian was the easiest person ever to work with!! We just loved him!!
ALEXANDER H
Feb 16, 2022
Brian was always there when I had questions. If he didn't know he would found it out for me or just tell me to hold on until they can found out. He went out of his way same times just to make sure I understand everything that was going on. Brian is a very great guy.
JOSHUA G
Feb 08, 2022
Common sense , convenient, easy to work with and no bull-$hit . I love this great team !
ENOS H
Feb 08, 2022
Willingness to answer any and all questions even if it didn’t relate to the particular deal. Responsiveness was great and he got the job done efficiently and smoothly.
JORDAN S
Jan 27, 2022
Brian was great to work with.. He stayed in contact making sure we knew what to expect and moved the process quickly..
FRANKLIN K
Jan 19, 2022
Brian is very responsive and explains each detail of the process - made the entire process very easy. My next mortgage with be with Brian.
TROY H
Jan 19, 2022
Brian’s always great to work with which is why we are repeat customers.
RACHEL S
Jan 13, 2022
This was my first time purchasing a home, and thankfully Brian was very personable and easy to work with. He gave great advice and he very thoroughly, happily, and patiently explained everything in a way that made perfect sense to me.
JULIA M
Feb 26, 2021
Very kind professional and answered all my questions 😃
KELLY M
Feb 21, 2021
Brian was very informative and knowledgeable.
DANIEL J
Feb 20, 2021
Brian confidently helped me secure financing. I’m self employed which creates a different set of hurdles to navigate re: a home loan. Brian’s experience and knowledge made it possible for me to not only get a loan, but also a great rate. Brian works w/ speed & accuracy while explaining every step. A++ service!
JAMES R
Feb 09, 2021
Everyone was friendly, answered all my questions and made the experience easy.
DEBORAH R
Feb 06, 2021
As always - Brian comes through again. Thank you again for another successful purchase.
AMY L
Jan 26, 2021
Stayed in touch answering questions and was available.
DANIEL L
Jan 21, 2021
Brian was very knowledgeable and answered all the questions we had about refinancing our home. He helped us originally when we bought our home and we had a great experience so we reached to him when we considered refinancing and we had a great and smooth experience again. Brian gave us all the information we needed to make the best decision. I have recommended many of my friends to give him a call if they need to buy a home or refinance. Thank you Brian for all your help!
CYNTHIA D
Jan 18, 2021
Brian was very knowledgeable about the products he offered which helped make our decision easier.
JOHN M
Jan 17, 2021
Brian answered all of my questions in a timely manner and offered advice when it was needed. He was a pleasure to work with.
SAVANNAH M
Jan 14, 2021
Brian is always extremely professional and friendly. Most importantly he is willing to take and make calls after hours, he is there for you if you have a question.
MICHAEL J
Jan 12, 2021
Brian was very receptive and quick to respond to our request. He reached out to us in the past to refinance our home, and I’m thankful that we got in contact again. Brian ensures his customers are first and I would highly recommend whether you buy, refinance, or are just looking for good advice.
AMANDA L
Jan 12, 2021
Brian, I can not thank you enough for your help during the process of buying my first home. It was all foreign to me and you often helped put my mind at ease with any concerns or questions I had by explaining everything to me. I hope to do business with you again sometime.
Thank you again,
Kyle Shatzer
KYLE D
Jan 04, 2021
Brian was readily available for any questions I had throughout the process. I will definitely use him again in the future.
BLAKE P
Dec 23, 2020
Brian is great to work with. I am a repeat client and will continue to refer people to him. Everything is painless and easy.
REBECCA M
Dec 18, 2020
Brian Winkler showed us our options, no pressure and allowed us to ask questions at any time , it was an excellent experience.
LAWRENCE C
Dec 16, 2020
We felt everything was explained in detail. If we had questions, they were answered quickly and thoroughly. Thanks for a smooth transaction!
MARIANNE N
Dec 12, 2020
Brian was extremely helpful from day 1. He answered all of our questions and responded immediately. He made the transaction feel more like he was our friend and in our side rather than a business. Wonderful guy both personally and professionally.
THOMAS A
Dec 08, 2020
Brian was informative, knowledgeable and available to help any time I needed. He was easy to work with.
FRANK R
Dec 02, 2020
Brian is a great guy and will help you through every single step of the mortgage process!
MATTHEW C
Dec 02, 2020
😎
KATHLEEN D
Nov 21, 2020
Communication was great. Always in touch, quick to respond to any email. Very helpful.
JOSHUA P
Nov 02, 2020
Hey Brian, the guy from Patriot Title Agency was less than stellar. Arrive late, seemed a bit unorganized, and ended up having to come back to capture two more signatures.
STEVEN E
Nov 02, 2020
Brian was wonderful!!! This was the best experience we’ve ever had dealing with a loan and bank! I would definitely recommend Brain to everyone!! Thanks for a great experience!!
ALEXANDER P
Oct 23, 2020
This was the 2nd loan Brian did for us. He is professional, creative, resourceful and bottom line gets the job done. He's an exceptional loan officer for Signature and an asset to the company. Not sure if he has a corner office with a spectacular view yet but he should. The experience at Signature would not be the same without Brian.
CB
CARL L
Oct 15, 2020
Brian always does an exceptional job. Thank you again for making this another easy purchase.
AMY L
Oct 14, 2020
Always answered any questions I had, and walked me through everything and explained it very well! And was always available to talk.
JACQUELINE D
Oct 13, 2020
Brian was professional, communicative, and patient throughout the entire transaction. When we hit an unexpected bump in the road he was able to quickly adapt and respond with a solution that kept our home purchase moving along. A+ service. Thank you!
MICHAEL J
Oct 07, 2020
He is an awesome guy. He helped me throughout my process of buying house. He answered my questions and advised me of helpful information through this journey. I didn’t met him physically but I felt like we were friends and meet many times.
JAGAT S
Sep 26, 2020
Questions were answered promptly and Brian took over and the deal ran smoothly. Quick. Efficient. Professional. Couldn’t of gone better.
DAVID P
Sep 26, 2020
Brian made the whole process so much less intimidating and I thank him so much for that. This was my first home purchase and I was very nervous going through the process but Brian made sure I had a clear understanding of everything that was going on.
STUART M
Sep 17, 2020
Brian and his team are rockstars.
KENNETH R
Sep 13, 2020
The whole refinance process was easier, quicker, and resulted in more of a savings than I thought it would be.
THOMAS A
Sep 13, 2020
Brian was so informative and helpful about any questions I had. It was always a pleasant experience working and speaking with Brian.
MEGAN L
Sep 07, 2020
Brian was very professional and patient. He was very accessible and easy to talk with. Brian did an outstanding job answering our questions and walking us through the process of buying a house. Kudos to Brian and his team at Signature mortgage!!
DANIEL L
Sep 06, 2020
Very smooth process, I didnt have to get to involved. Everything was handled via phone or email. The easier things are the better for me.
SHANE M
Aug 11, 2020
Brian is very attentive and extremely knowledgeable. He serviced both of my mortgages and now my refinance. My daughter's will be buying homes in Ohio in the next few years and Brian is who we will be calling!
CHRISTOPHER J
Aug 08, 2020
Brian is very knowledgeable, answered questions that I had succinctly and was very responsive. On top of that the loan was processed successfully, on time and "under budget."
CURTIS E
Aug 06, 2020
Brian promptly returns calls and always answers any questions. He takes his time to go through everything with you. The process for my refinance went more smoothly than I anticipated. On top of all that, I shopped around, but he was able to get me the best rate. He did one of my family members' purchase loans prior to mine, and told me that his experience was similarly smooth and quick. I plan on calling him for my next purchase as well.
JEFFREY T
Jul 30, 2020
Brian was so great to work with! He made everything so easy and smooth. He took care of everything for me, answered all of my questions, his responses were beyond timely. It's so impressive. I wish other companies treated everyone like Brian treats his clients. I will recommend Brian over and over again. Thank you Brian for everything!
EMILY A
Jul 24, 2020
Brian worked above and beyond for me!! There were obstacles with several homes that I tried to purchase. Brian was there and worked hard as he was able to provide the information and support that I needed. It was very important that I felt comfortable and he succeeded my expectations! Thank you!!
PATRICIA M
Jul 09, 2020
Clear understanding of the financial situation and perfect advice and best rates.
Immediate response to questions and clarification leadings to satisfactory resolution.
He extraordinary control over whole process and very helpful supporting staff.
I am very satisfied and already a returning client for signature mortgage and will not miss the opportunity to recommend the services to anyone I know and looking for it.
Happy customer!!
AMRIT K
Jun 30, 2020
Clear understanding of the financial situation and perfect advice and best rates.
Immediate response to questions and clarification leadings to satisfactory resolution.
He extraordinary control over whole process and very helpful supporting staff.
I am very satisfied and already a returning client for signature mortgage and will not miss the opportunity to recommend the services to anyone I know and looking for it.
Happy customer!!
HARPREET S
Jun 30, 2020
Brian and his team were extremely helpful! Always quick to respond if we had any questions.
AARON A
Jun 12, 2020
Brian is so caring and professional. He is always available as well. We love working with him!
NICOLE E
Jun 12, 2020
Brian did everything in his power to see my home buying process successfully close.. He always maintained great communication with me. When I felt defeated he always had positive words of encouragement.
VONTERIA G
Jun 05, 2020
Brian was absolutely fantastic from beginning to end. I would hands down recommended him to anyone for their home buying needs!
REBECCA M
May 22, 2020
On top of things, easy to communicate with, responds quickly, friendly, seems invested in his clients
ANNAMARIE F
May 19, 2020
Excellent customer service!! Very responsive.
RONALD D
May 18, 2020
This was my first home buying experience. I was terrified and to say that I had a lot of questions is an understatement. Brian was always quick to respond and answered all my questions thoroughly. I would 100% recommend Brian as he made my home buying experience seem like a breeze.
KATRINA R
May 06, 2020
Mr. Winkler was very professional and personable during my home loan refinance. Impressively responsive and did his due diligence of my families priorities. He laid out all available options in detail, and made for a seamless closing. I highly recommend.
KYLE R
May 05, 2020
Great communication; made everything very clear.
JENNIFER L
May 05, 2020
Brian was a great resource full of knowledge and worked diligently to make my re-financing process smooth.
BENJAMIN H
May 04, 2020
Brian was very professional and also accessible. We were able to communicate at weekends and evenings.
MICHAEL J
May 02, 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 2022 | 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.