CHEER SQUAD
Everything was made so simple and easy.
Jeffrey P
Jul 09, 2022
Denise explained each documents and kept it touch throughout the whole transaction. Well done..Thank you !
Debera H
May 28, 2022
Denise is amazing. If I had to do this loan process all over again I would choose her again.
Demetrice T
May 20, 2022
Denise was so great. She was always available to help and she did professionally.
Connie R
Apr 25, 2022
Denise is knowledgeable and so helpful in every step of the process. She represented my interests and kept me informed. I appreciate her so much!
Penny A
Apr 04, 2022
Denise Druml is Awesome. She is the Number 1 go to Woman for all my loan deals. And we will be doing many more in the Future!!!!!!!
Brock R
Mar 30, 2022
Communication throughout the whole process
James S
Mar 28, 2022
Denise worked quickly and communicated excellent and efficiently to get the job done during and after business hours. She was fast to respond and polite and closed us in 3 weeks.
Jerica L
Mar 25, 2022
Denise made this a great experience as first time home buyers and let me tell you, she had to hold my hand all the way through. Professional, attentive and pleasant. Knows her job inside and out.
Brad K
Mar 18, 2022
Everything was so easy, and every question I had was answered!
Mason S
Mar 18, 2022
She was always available when we needed her.
Melissa C
Mar 18, 2022
This excellent Loan Team always went above & beyond in every way..I’ve given info to a coworker who is in search of a life time home. They will definitely not go wrong…
Jennifer H
Mar 14, 2022
Denise Druml was amazing to work with!
Wayne S
Feb 16, 2022
Just overall very helpful
Alyssa S
Feb 02, 2022
Overall an awesome experience, Denise and Kendra were great working with. Very quick with responding and had an answer for every question I had. Everyone made it a smooth process all the way through. Would definitely recommend.
Jason S
Jan 05, 2022
Denise was very responsive to questions, and worked with us through the whole process which was a little complicated without a realtor to help with the process. Would definitely recommend Denise!
Kelly K
Dec 09, 2021
I loved her personality and the way she would talk to me after hours.
Alicia B
Dec 08, 2021
Denise was ALWAYS available to answer my questions and help me gather the information I need.
Alexis J
Dec 03, 2021
The experience was great becasue Denise Druml gets things done and she get it done fast.
She stays in touch to let you the process of the application. When its approved, that its with the
underwriters and closing department. I have bought two homes with her and will contact should I buy again in the future.
Lois L
Dec 01, 2021
I was explain the whole process and if I had any questions they explained it so that I could understand very easy to work with
Jeffrey B
Nov 30, 2021
This was by far the smoothest and easiest refi we’ve ever done. Everything was perfect and stress free
Jennifer C
Nov 29, 2021
Denise is a rockstar! Start to finish she went above and beyond to make things happen. 14 day closing!!!! I will never use anyone else!
Tina S
Nov 13, 2021
Everything
Rachel W
Oct 10, 2021
Denise did a great job keeping us informed on on everything that was going on.
Chase M
Oct 03, 2021
This was the third transaction I have worked with Denise, two for my personal home loans and one for my daughters home loan. She is the absolute best and most efficient Loan Officer I have ever worked with! I have referred her to several people and will continue to do so!
Wendy M
Sep 27, 2021
Denise made the entire process stress free and easy.
Darin B
Sep 27, 2021
She is the best!!!!!!!
Antha M
Aug 06, 2021
Denise is the best she sweet and kind I would always go to her and send friends and family to her
Jacqueline G
Jul 24, 2021
My agent was very pleasant and patient with me on this long journey of getting in my home. She answered all questions and made this journey easy. Thanks Ms Denise
Carl W
Jul 20, 2021
Really awesome service and highly recommend you to all my friends
Clark T
Jul 08, 2021
Mrs. Denise made the process of buying my first home very easy! Throughout the entire process I was a nervous wreck but she took the time to help reassure me that everything was going to be okay and she would take very good care of me. She did just that! I can’t thank her enough for everything!
Ashley T
Jun 28, 2021
Denise is awesome. This was my second experience with her and Eustis mortgage. I wouldn’t hesitate to use them again. I loved having the app to track the process! That was an awesome bonus feature this time around.
Victoria K
Jun 23, 2021
Denise is the best lender! She is very friendly, informative and answers your text, calls and emails promptly.
Erica S
Jun 19, 2021
There was good communication and when I needed a question answered it got answered
Mason D
Jun 19, 2021
The Best Lender around!! Thank you for always making this process easy!!
Michelle L
Jun 19, 2021
Denise is very fast to contact you and make sure all the necessary paperwork is ready for you to close on time! She is dedicated and one of the best!
Alexia A
Jun 16, 2021
Eustis is the place to go for your next home loan. Contact Denise Druml for a worry free experience.
Jordan L
May 26, 2021
Denise is the best! Can’t wait for our next closing!!!
Tracy M
May 14, 2021
I was very pleased, everything went smoothly during the process!!
Charlie C
May 07, 2021
Denise explained everything to me along the way to close. Answered every question I had and made it a pleasant adventure.
Pamela N
May 02, 2021
Denise is just amazing. IF all loan officers were as dedicated as she is, then no one would have issue with their files. She goes way above to make sure that her clients are taken care of. Wouldn't use anyone else but her. SHE IS AN ASSET TO YOUR COMPANY......
Antha M
Apr 19, 2021
Denise is what made my experience great!! She is so knowledgeable and helpful, and works so hard for her clients as if she was working for herself. You can tell she really cares!
Tabetha W
Apr 19, 2021
Denise was magical! Made the whole experience great!
Thomas K
Apr 19, 2021
Denise never gave up on the deal even though we had some obstacles due to the pandemic.
Philip F
Apr 04, 2021
Denise went out of her way to make sure that I received my loan. Thanks...
Linda S
Mar 22, 2021
Friendly service. Quick response.
Sullivan V
Mar 22, 2021
was patience and understanding. She helped we had no clue where to start or what to do
Amanda R
Mar 15, 2021
Denise made everything so easy! She is the best in the business!
Brittany M
Mar 12, 2021
Thank you so much for your help you made it so easy I will recommending anyone doing refinance or purchase a new home highly recommended
Paul T
Mar 12, 2021
Denise was wonderful. She answered all my crazy questions and always kept me in the loop. Love her.
Kelli D
Mar 09, 2021
Fast and Easy from beginning to end! Denise Druml made this Loan Process stress free! Thank you!
Michelle L
Mar 09, 2021
Denise was a pleasure to work with.
Shannon D
Mar 02, 2021
Denise was great to work with!! Hope to work with her again soon!!
Michelle B
Mar 01, 2021
I was encouraged the whole time during my loan process and was informed of changes quickly. Denise worked hard all the way up until the closing. Any recommendations would be only to continue the same direction of Customer excellence. Not to forget Gina who assisted with all essential documents to make my desired Closing date.
Shane O
Feb 26, 2021
Denise is always a pleasure to work with. She is knowledgeable and quick to respond to your calls.
Sonja P
Feb 25, 2021
Denise made it great. She is amazing.
Catherine G
Feb 15, 2021
Outstanding agent! Goes above and beyond for her Clients.
John F
Feb 12, 2021
Denise was superb!!! She was very knowledgeable and understanding. She answered any question I had and I learned a lot about my mortgage from her. She was excellent, super sweet, and courteous!
Melvin R
Feb 05, 2021
Denise made every step of my refinance process very quick and easy. She answered all of my questions in a very timely manner and I couldn’t believe how quickly the whole process went.
Charles T
Feb 05, 2021
She was so friendly and helpful.
Donald C
Feb 04, 2021
Everything about my home buying experience with Denise was pleasantly easy. She started working hard & fast from our first phone call. I can’t recommend this company enough!
Anna L
Feb 04, 2021
Denise was definitely professional and knowledgeable. She made the process simple and easy. I would not hesitate to refer her to anyone looking to purchase a house. She is the best
Kenneth F
Jan 25, 2021
Denise stayed in touch with me at all times! Weekday, weekends, day time, night time she always responded to me! She truly made this process as pleasant as I could have hoped for. Even though the seller was troubling, Denise always stayed positive! I mean it when I say I would recommend Denise to anyone looking to buy!
Morgan R
Jan 24, 2021
Wonderful to work with, explains everything and very helpful!
Stephanie O
Jan 20, 2021
Denise was an absolute God send for us! She helped to walk us through every little step of the process and made things so much better for us. I will always recommend her and only her to anyone needing a loan officer. She gave outstanding service and went above and beyond. As far as I am concerned, she has made a friend for life with us.
Ginnie M
Jan 19, 2021
Denise made the process as smooth as possible. I had many questions and she took the time to answer all of them. I would recommend her to any one I know buying a house.
Jennifer W
Jan 16, 2021
Denise is super to work with. She goes beyond her scope of duties to make sure the needs of her clients are met.
Antha M
Jan 03, 2021
Very easy to talk too, made everything easy and very understanding..
Jamie V
Dec 31, 2020
Denise was on top of the whole process!!! She’s a rare gem in this hectic market! She’s outstanding and goes above and beyond!
Mary Fleming, Broker
Mary F
Dec 31, 2020
Denise made the entire process very easy.
Derek D
Dec 20, 2020
Denise did a great job in getting my buyer approved and closed very quickly. She was amazing!
Melanie S
Dec 07, 2020
Denise always makes sure my clients are educated & informed every step of the loan process!! Everything she does is to make sure my clients are ready for their purchase and understand not only what is happening now but what is to come. Truly an amazing Lender!!
Thank you Denise!!
Michelle L
Dec 02, 2020
Denise was very helpful in getting my mortgage approved. She is always available and helped me every step of the way. This was the smoothest experience I have ever experienced while getting a mortgage.
Whitney W
Dec 02, 2020
Everything Denise did!
Michael F
Dec 02, 2020
Denise was very helpful in dealing with my husband and I’s busy schedules. We both work and she went out of her way to accommodate us. She was very pleasant, courteous, and professional at all times. Thank you so much and we highly recommend her if you need assistance.
Melissa F
Dec 01, 2020
Extremely easy process. This is the 5th home I purchased and also the most seamless and again easiest I ever bought. I will definitely use Denise if I had to buy again.
Eugene H
Nov 29, 2020
Denise was very instrumental in assisting me with my loan needs. In addition to being diligent she is super knowledgeable and an absolute sweetheart. Thanks to Denise's efforts I am a homeowner!
Shawntell W
Nov 10, 2020
Denise was very knowledgeable and professional. She answered my phone call at all hours. She made the loan process smooth and enjoyable. I would recommend Denise to all my family and friends.
Erica S
Nov 10, 2020
Denise is a hard worker who didn’t care what day or what time it was, if there was work to be done, she did it. She was always friendly and patiently answered any questions we had.
Kendra C
Nov 07, 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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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.