CHEER SQUAD
The openness and clarity from Justin and the rest of his team.
Shawn S
May 04, 2022
Justin was very reliable and very good with communicating with my fiancé and myself.
Janie K
Apr 08, 2022
He was very informative and quick with responses, shows that he knows his job very well!
Chevy M
Apr 07, 2022
Justin helped me a ton. He always replied and answered very quickly. He also was very helpful during the entire experience.
Nolan M
Apr 04, 2022
Justin has been extremely helpful throughout the entire process. From the very start he has worked with me to help facilitate all my needs even. He has always maintained good communication and went above and beyond to assist.
Celest C
Mar 04, 2022
If there’s a mortgage consultant equivalent to Michael Jordan, it’s Justin Simmons. GOAT status, full stop. No one better.
James N
Mar 03, 2022
If I had any questions he would answer them
Kimberly B
Feb 07, 2022
Justin was very patient with us on our long road to finally buying a house. He was very informative and was always available for any questions or for help that we needed. We will definitely recommend him to others! Thank you Justin!
JAMES G
May 02, 2020
Justin was with us throughout the entire process.
He was very quick to get a preapproval and gave us clear instructions on everything needed to finalize the loan.
Very professional, kept in constant contact.
Will definitely recommend in the future and already have.
MICHAEL R
Apr 23, 2020
Very helpful, took the time to answer all my questions, easy to reach,
VICTORIA R
Apr 06, 2020
I can’t say enough great things about Justin! He was extremely helpful and diligent through out the whole process. He was always available to answer the many questions I had along the way. I couldn't have closed without him - highly recommend!!
ROSARIA M
Mar 26, 2020
Information was communicated very clearly and professionally,
MATTHEW R
Mar 10, 2020
Justin made my first home buying experience easy and smooth. He walked me through the whole process and answered the million questions that I had. He even gave us his personal phone if we needed to reach him outside of regular business hours. I highly recommend Justin to anyone that needs a loan.
SARAH A
Feb 08, 2020
Jus is jus a very well mannered people person that knows his job very well! An throughout the whole buying process he helped in every way way he could, and hes always straight forward from the start no run around, so if everyone at signature are trained an know the job like justin does then yall should have a bunch of happy people buying their first homes!! Cant thank him enough!! So all around a very good experience! Thanks again Justin!!!
KYLE J
Dec 21, 2019
Justin made everything so easy. Explained things when needed and clarified any questions. Punctual and efficient. Availability was practically 24 seven. Justin made the entire experience very pleasant and surpassed any expectations I may have had
CAROLE S
Dec 10, 2019
Open communication, Available often and quick responses. Easy to work with and makes things simple.
AUSTIN M
Nov 24, 2019
Mr.Simmons was fantastic!! He made my first time home buying expierence wonderful, took almost a year & Mr. Simmons helped me so much & never gave up on me! I went into this process only knowing the bare minimum of home buying, Mr. Simmons explained everything in great detail & if I still didn't understand something he broke it down for me so I understood it fully! Mr.Simmions had a great personality which made my experience that much better! In the future when I buy another house, he's the man!
TAWNIE H
Nov 14, 2019
Justin was fantastic! He was very professional, knowledgeable, quick to respond and get things done! I would highly recommend him! Thank you for helping me and my children get into our beautiful home!
KIMBERLY M
Oct 28, 2019
Very helpful
ANDRE J
Oct 26, 2019
Justin was very helpful to me like a brother ! A big brother taking care of his little brother he was on top of things through my up and down im so glad he was the person im dealing with and i just wanted to say thanks to Justin for being there for me.
MORELL A
Oct 02, 2019
Justin was so helpful and kept my wife and I very informed during the whole process! He was there for us even when he wasn’t at his office! He made the home buying process so smooth! We were very pleased and would highly recommend him!
Steven R
Oct 01, 2019
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NICHOLAS T
Sep 27, 2019
Justin was awesome always willing to answer questions throughout the whole process. I would recommend him to anyone I know. Thanks Justin!
JOSEPH E
Sep 14, 2019
Justin helped me purchase my first house. He made it very easy and worked with me step by step. Highly recommended. Great experience
JUSTIN C
Sep 07, 2019
Made my first home buying experience easy and made sure everything went smooth.
JOSHUA A
Aug 17, 2019
Smooth process and good advice
JASON W
Aug 17, 2019
Justin was on top of everything and very good at communication. He was also very informative and helped make the process so much easier.
DAMEK D
Jul 16, 2019
He was extremely helpful and took care of things and was very knowledgeable. If there was ever an issue that did arise he already had a solution or response before he contacted us. He was readily available even after hours. He cared about us through the whole process. We started with a previous lender and switched to Signature Mortgage because of Justin. I hope he realizes how grateful we are for all he did. We will definitely not hesitate to use Signature Mortgage again in the future.
ELMER E
Jul 02, 2019
Very helpful
WILLIAM B
Jul 01, 2019
Justin was easy to work with. He was always available to answer any of my questions from start to finish. I would recommend him to all my family and friends.
CHRISTINA D
Jul 01, 2019
Justin was very informative with all questions I had. Answered as quickly as possible. Even though we had a bit of set backs he was there to help through the whole process.
BETHANY L
Jun 05, 2019
He was detailed, explained everything, he helped us out every time we asked, he always answered and was amazingly pleasent and awesome the whole time.
ERIC H
Jun 01, 2019
From the beginning to the end, Justin kept in touch and made sure that I knew exactly what I needed to make the process smooth and fast. He checked in with me almost everyday during my home searching and the buying process. You don't find people who care enough to do that very often. Justin you are the man.
VICTOR L
May 29, 2019
I can’t express on how helpful Justin was. He helped me every step of the way. I couldn’t of asked for better customer service! He made me and my two kids very happy and we have a place we call home now.
ALFREDO G
May 20, 2019
Justin was FANTASTIC! As a first time home buyer he patiently explained everything to me. He was always available at a moment’s notice, made sure to diligently review everything to ensure my closing happened as scheduled, and was patient and persistent to get me into my dream home. He is exactly what a mortgage consultant should be!
EMILIE G
Apr 30, 2019
very good service thank you for doing good job for me and my family
JOSE R
Apr 17, 2019
He was very on top of things and helped us close on our house really quick.
SAMANTHA H
Apr 14, 2019
Very professional and easy to work with. His advice is actually the right advice and made what was a difficult situation into something manageable and realistic. Thanks Justin!
Devin A
Apr 02, 2019
Very professional since the very beginning. Always upfront and honest about everything. Attention to detail when answering questions I had. Very informative about the ins and outs of home buying and selling. He was always willing to go above and behind to make sure I got the information I needed. Very quick with replies and texts. I couldn't of had a better mortgage broiler than justin. I've already recommend him to multiple people. I can over give a 5 star but he gets a 100 stars from me.
Anthony H
Mar 24, 2019
Justin was amazing with communicating with me before, during, and even after closing. He always made sure to help me with the home buying jargon and their meaning. I would text him at late at night or early in the morning and he would text, call, or email me with whatever it is I needed help with. He’s just an all around great guy and a even better loan officer
CARLECIA J
Mar 08, 2019
I was a first time home buyer, so I was expecting this process to be extremely stressful and confusing. However I was lucky enough to work with Rodney! Rodney made sure that I understood everything and was awear of everything that would happen. Never did he make me feel like I was asking a stupid question and made everything so simple and enjoyable. I would highly recommend this company and Rodney!
DANIEL R
Mar 08, 2019
They were very helpful and explained everything step by step going through the whole process. They made the entire process easy and worry free.
CODY J
Feb 23, 2019
Justin was very informative, and a pleasure to talk to! He helped me every step of the way!
MAKENNA D
Jan 30, 2019
Justin was a great help throughout my entire experience. Even when I was texting him and frustrated he still was a big help to break things down for me to understand things better. I even recommended a friend for a house and Justin helped him purchase his first house as well. I appreciate everything he's done for me throughout the process.
CLIFFORD R
Jan 25, 2019
Timely, polite, professional, really went the extra mile, to get me and my family into our new home on a tight time window during the holidays
THEODORE M
Jan 24, 2019
Justin made the process seamless, He was able to ask for all the information upfront and no gimmicks. Coached us through all the paperwork and was able to close in a reasonable timeline.
ALVARO A
Jan 18, 2019
He got everything done in a fast manner, and got me the lowest rate he could find!
GARRETT M
Jan 05, 2019
Justin was awesome!!! He was very knowledgeable and helpful!! I will recommend him to all of my family and friends!
SUE E
Dec 29, 2018
Not only did Justin display great customer service & professionalism, but was very knowledgeable about our USDA loan & showed extreme patience with the process & our situation.
He's already been recommended & will continue to be!
TREVOR H
Nov 14, 2018
Justin was very easy to work with and did a great job!!
BRADLEY W
Nov 12, 2018
The process was easy and received the help we need when unsunzure of how things worked.
JOHNATHON P
Oct 19, 2018
Justin is the most knowledgeable, understanding,kind individual in the mortgage business that I could ever imagine dealing with. Not only did he manage the process for us with Style... he also became a person I can call FRIEND! I recommend Signature Mortgage and especially Justin to anyone looking for a home loan. Brett
BRETT G
Sep 09, 2018
He answered every question got me approved and helped through out the way truly a blessing
DUSTIN W
Aug 24, 2018
Justin was very informative and understanding. He went above and beyond anything that I could of asked of him. He worked hard and diligently. Quick to respond to any of my questions. Most of all, he was available. I hate leaving voicemail after voicemail ajust to have no one return my call. Just was professional and down right awesome to work with. I could not be happier with him or his underwriter. They both helped me achieve a goal after 6 hard years of work. I just want to thank everyone.
AARON J H
Jun 27, 2018
His response time and clarity of information was key in making our first home buying experience so much easier than we expected. Thank yuo so much for all your time and effort.
LEETHA M A
Jun 24, 2018
Justin went above and beyond for us! He made buying our first home such a great experience! I can't thank him enough for everything! We are so happy in our new house! Thank you so much Justin for the amazing time and hard work you put in for us! We appreciate you!
-Ashley and Joshua
ASHLEY N G
Jun 22, 2018
Justin was great! Made our first mortgage a wonderful experience.
ALEX J S
Jun 10, 2018
Made the home buying experience a pleasant one and always there to answer any questions I had highly recommend.
ELIZABETH J Z
Jun 10, 2018
It was an absolute pleasure working with Justin Simmons for my loan process!!!! I’m sure other agents are good but I’d say he’s definitely the BEST!!! From the first initial call to the last call at closing, he was definitely professional and courteous, not to mention spot on with everything. Would highly recommend Justin for anyone wanting to purchase a new home and he’s gonna get you the best amount you can get. Not only helped me purchase a home for my family but fix my credit as well!!!!!
JONATHAN A S
May 23, 2018
Justin very helpful he answered all my questions and made the experience of buying a house smooth and painless. He knows his stuff!!!!
WILLIAM S C
May 12, 2018
This was my first time purchasing a home and Justin made things very easy and was an easy person to ask questions too, calmed me down when I was ready to quit and made me keep pushing through! We are now first time homeowners and I have to say because of Justin we didn’t give up and it wasn’t as bad as people say!
JACINDA L A
May 08, 2018
The communication and timing was great and it was a great experience
MICHAEL A W
Apr 28, 2018
mr.simmons was understanding and he was not going to let us buy a trash for our new home
NATHANIEL E
Apr 27, 2018
He had a sense of humor with my sarcasm. First-time home buying and it was an incredibly lengthy process. Justin patiently worked with us through all the paperwork and questions.
DEAN W P
Apr 19, 2018
What made it great was any question or issue i had Justin was there to answer or assist in a very timely manner made the process much easier and less stressful
JOSHUA B K
Apr 13, 2018
Justin was great. From start to finish he was prompt in responding to any questions or concerns I had. He also pushed the paperwork through quickly to meet my requested closing date.
ANDREW T W
Mar 11, 2018
Justin did an amazing job throughout the process of my mortgage.
FRANCISCO V
Mar 10, 2018
Has great charisma! He always has a can do attitude!
Jenna H
Mar 07, 2018
Communication at any time
RAQUEL B
Mar 07, 2018
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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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.