Kimberly’s responsiveness, problem-solving, and ability to make you feel like everything was under control.
Taylor M May 16, 2022
Kimberly proved to be very knowledgeable and efficient in her works. Closing on two properties at one time was an undertaking but Kim was there every step of the way.
Stacey B Apr 19, 2022
Stacey! She was a gem — patient, responsive, understanding.
Frank S Apr 04, 2022
I worked with Sunny Shannon for many years and Kimberly continued the great service I was used to.
Kerri M Mar 27, 2022
Very professional and helpful. Made a complicated process easy.
Scott C Mar 26, 2022
This is our fourth time buying a house with Kim. She makes the process fun and easy!
Courtney R Mar 23, 2022
Everything was virtual and Kimberly was fast and quick with anything that needed to be handled
Ayanna J Mar 14, 2022
The whole experience was great the professionalism and the willingness and kindness that was given was simply awesome.
Sheryl C Jan 26, 2022
I would like to say thank you to everyone at Eustis Mortgage for every thing you all did to make my loan process smooth as possible .
Jenera H Jan 19, 2022
This is the second time I used Eustis mortgage. First one was with Sunny and Stacey! Second one was with Kim and Stacey. Second time I didnt even do a rate shopping! I love Eustis people and i will always use Eustis for future homes or refinance!!
Melisa S Jan 13, 2022
This is the second loan I have closed with Kimberly and her communication, follow up and attention to detail are outstanding. I would recommend her to anyone!
Susan H Jan 13, 2022
Fast, friendly personalized service. You and your team were on top of everything.
William M Jan 04, 2022
The process was very easy and done quickly
Jamie M Dec 29, 2021
What made the service so great was the knowledge, and attentiveness of Ms Kimberly Gemperli. She was very patient with us.
Joyce T Nov 30, 2021
very understanding and helpful
Roy A Nov 29, 2021
This is the 2nd time using Kimberly and I can't imagine using anyone else. She is incredibly good at her job and takes so much of the stress and unknown out of the process.
Kimberly M Nov 29, 2021
My experience with EUSTIS Mortgage was the best! My emails, questions were all answered in a timely manner. Kimberly was so helpful and very professional. This was my first home purchase and I was a little nervous about the process but working with Kimberly was a wonderful experience. Thank you all for your help, professionalism and overall pleasurable experience!
Nyree T Oct 29, 2021
Kimberly really knows her stuff!! My loan Process went Faster then I expected... She’s the real M.V.P!! Thank you for everything 🤗
Paulette B Oct 05, 2021
Great and simple
Anthony H Oct 04, 2021
I used Kimberly before for my first mortgage and liked the fact that I could use her again. Great service and very knowledgable to help me.
Therese B Oct 04, 2021
What I really enjoy was this CHECK IN daily. Every time something was needed or a move was made. I was informed the whole time.
Rhonda R Oct 01, 2021
Kim helped me through every step of the approval/loan process
Amanda W Aug 13, 2021
Kimberly was very responsive, positive and easy to work with. She communicated well, honored contract timelines and did a great job!
Meredith S Aug 10, 2021
Went above and beyond with customer service. Kim and Jennifer were a pleasure to do bussiness with. Will do future business and recommend all my friends and family.
Jonathan M Aug 07, 2021
Kimberly is awesome and very professional
Renee P Jul 29, 2021
Ms.Kim was very easy to keep in touch, she was always available to take my calls and It was very easy to ask her different questions about anything I was confused about. I called Ms. Kim or texted her if it was something I was confused about….. SHE CONTACTED ME BACK EACH TIME AND ANSWER EVERY SINGLE QUESTION I HAD. Thks Ms. Kim for your hard work and patience with
Shanika S Jul 26, 2021
Kim was wonderful to work with. She made understanding the loan process very easy for my husband me as first time homebuyers. She helped us to get the best rate for us and was very responsive when we needed help, even in the evenings and on weekends. She also helped us to get a three-week close, which was very helpful for our situation. Great service!
Elsbeth H Jul 26, 2021
Communication was FRFS at throughout the entire process! Answered all my questions!
Jose O Jun 22, 2021
Kimberly and her team were easy to work with which made the transaction go quickly and smoothly. I appreciate all the effort on their part to help the transaction close on time! I would definitely recommend!
Blaze K Jun 07, 2021
Kimberly made the 203k seamless and easy. She worked hard for the best rate for us. I would definitely recommend her.
Alvin T Jun 04, 2021
Kim does an excellent job! We have used Kim for every new home purchase and it was always a pleasant experience. She is very organized and always timely.
Erin L May 18, 2021
Kim was extremely knowledgeable and helpful, which made for an easy and informative process. We're so grateful to have worked with her!
Jessica W Apr 30, 2021
Every aspect of the process was fluid. We were well informed of any and all items needed as well as where we were in the process. Communication was prompt and our questions were always answered.
Ross C Apr 30, 2021
The whole process went smoothly; Kim and the rest of the Eustis team made everything easy.
Daniel D Apr 30, 2021
Kimberly was so knowledgeable and informative and helped us any time we had a question or concern
Hannah G Apr 30, 2021
Kim made the process easy and stress free! Thank you for your amazing service!
Lauren C Apr 30, 2021
Attention to detail, amazing communication and customer service. Top notch and professional from start to finish.
Susan H Apr 19, 2021
My home refinancing experience with Kimberly and the team at Eustis was phenomenal. The thorough communication, detailed information, and follow up made the transaction straight forward and effortless. It was a pleasure doing business with you!
Juan P Apr 05, 2021
Kimberly was excellent in every way assisting with my refi
Kevin H Apr 03, 2021
Excellent service and very polite.
Darby F Mar 29, 2021
GREAT communication, I never felt confused or had to question anything through the entire process and Kimberly was easily and readily available every step of the way. Would definitely recommend and do business with in the future.
Josh W Mar 29, 2021
What more could I ask for, paid off debt, and I'm left with a lower monthly payment and more equity in my house than I did 5 years ago.
Steven W Mar 26, 2021
Words can’t describe the amazing service I received from not only Kimberly but her assistant Jennifer also. These ladies assured me that the loan would close within a month and they made it happen. They were professional, efficient, and most importantly kind. I will definitely use them in the future and refer potential clients as well.
Ayanna O Mar 23, 2021
Simply amazing. Made the entire process seamless and easy and constantly had our best interests in mind.
Perry S Mar 15, 2021
A very personable experience!
Ashley H Mar 12, 2021
Very informative and helpful through the process! Quick close!
Brandon N Mar 10, 2021
Stacey Winokur was very easy to work with & got things moving very quickly. She is very friendly, courteous & made my experience excellent!!!! Thanks Stacey
Sharon W Mar 09, 2021
Kimberly was very informative, and helpful. We were pleased with how fast the process was.
Taryn A Feb 25, 2021
from start to finish staying with me the entire time
Carolyn N Feb 18, 2021
Great communication from Kimberly! Was so easy to work with you!
Leslie C Feb 13, 2021
Kim provided expert advice to me throughout my home financing experience. This was my first time buying a home, and she took the time I needed to explain various steps and ensured that everything went as smoothly as possible throughout the whole process. I am very happy to refer her to others.
Annie G Jan 25, 2021
Kim helped us through every step of the process and made the refinancing as simple as signing the paperwork.
Chad D Jan 25, 2021
Ommg the best service ever Mrs Kimberly and Mrs Stacey was the best very friendly and professional my next house I will be contacted them as well.
Terrin M Jan 21, 2021
This is my 3rd or 4th loan with Kim and she surprises me every time . The service, communication and knowledge is definitely top notch. I literally recommend Kimberly to everyone and she is my go-to lender.
Arianne S Jan 21, 2021
Kimberly was extremely helpful throughout this process. I have already referred coworkers and friends to her. I will be in touch to do additional business with Kimberly.
Alfred R Jan 02, 2021
Any information needed, was quickly addressed. Everyone made me feel very important. I actually mattered. Thank you to all who helped me. It was a wonderful, comforting experience.
Karen R Dec 21, 2020
Love working with Kim! She's always friendly, professional and efficient. She is a great listener who looks out for her client's best options. I will not work with anyone else when it comes to buying or refinancing property.
Jennifer B Dec 17, 2020
Kimberly was unimaginably knowledgable about the process and helped guide us through without any problems. She knows her stuff backwards and forwards and got us the best possible loan for our first house. She definitely turned a crappy 2020 into something we could look back on and smile about.
Ilyssa A Dec 12, 2020
Kim was extremely helpful in walking us through the process and always having the answers we needed. She really took care of us and treated our situation friendly and professional.
Charles B Dec 12, 2020
First and foremost, Long story short I was having a bad experience with another loan officer. I pulled my information from them and was introduced to Kimberly to restart my home loan process. Let’s just say from the beginning to the end the process was smooth. Kimberly is very informative, and professional everything she said she was going to do she did and because of her and her team we are home owners. We closed in 3 weeks, I’m beyond happy and excited. Thank you Kimberly :)
Shantrell C Dec 03, 2020
I would definitely recommend Kim to anyone who is looking to purchase a home. The whole application process went smoothly because of her and I really appreciated that.
Wanda G Dec 02, 2020
The process was easy on time and quick it took three weeks for everything to happen now that’s magic.
Kendell S Dec 02, 2020
Kim is very, very knowledgeable and gets loans done. I run a 330 agent real estate company and I would recommend her. Kim Rocks.
Stanley A Nov 19, 2020
Kim and Stacey were wonderful to work with. They were efficient and accessible. Made the refi process so easy and quick.
Jennifer P Nov 18, 2020
Kimberley was recommended by a friend, and we will be recommending her to other friends.
Shelley S Nov 08, 2020
Scott S Nov 06, 2020
Kari R Nov 04, 2020
We want to make your home financing as easy as it can be. With Eustis Mortgage, you can relax while we handle the details.
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!
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
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
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.
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!
¬ 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
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
You don’t have to settle for a house that only has half of the items on your wish list. With renovation loan you can buy in the perfect neighborhood and then get all the items on your list without coming out of pocket. This loan allows you to combine the purchase price of the home and the cost of repairs and upgrades into a single mortgage. No second lien at a higher interest rate required. Other benefits include:
- Get a home in a great location below market price
- Getting a bargain on a home allows you to move to a higher priced area of town
- Get more bang for the buck with a larger home
- Opens up your search area
- Your home fits your taste and family requirements
A remodeling home loan allows you to make your current home into your home for the future. These types of loans allow you to roll the costs of the work you do into one new mortgage. No second lien required, most likely at a higher interest rate. Since this is a refinance, you can also capitalize on lower interest rates, move to a shorter loan term and possibly lower payments.
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.
This a decision you must make. Here is one way of looking at the question: If you can afford the payment and are comfortable with all the other terms, it makes sense to go ahead and firm it up IN WRITING. Do not be overly concerned if rates fall after you lock. If your objective is to purchase the property, you have eliminated one uncertainty. If you are refinancing, locking the rate guarantees that you will reduce your monthly payments or be able to obtain cash you need for home improvements or other worthwhile goals.
You can lock your rate at application, while your loan is being processed and approved, or any time shortly before closing.
Eustis Mortgage offers lock periods up to six months on some loan programs.
PMI is required for conventional loans with a down payment of less than 20th of the value of the home. You can avoid paying PMI by making a down payment of 20 or more of the value of the property you want to buy.
PMI will be automatically terminated when the loan-to-value ration is scheduled to reach 78 assuming all payments are current. Borrowers can request cancellation of PMI when the loan reaches 78 assuming all payments are current. Borrowers can request cancellation of PMI when the loan reaches an 80 loan-to-value ratio, assuming the loan is current.
How do I know whether the house is in a flood zone, and if so, how can I determine my insurance premium?
Eustis will order a flood certification before loan closing, as required by federal law. However, if you would like to find out if the property you are purchasing is in a flood zone, you can contact your insurance agent or check the local library for updated flood maps. FEMA determines flood risk by comparing your lowest floor level to flood levels from the past 100 years. FEMA bases flood insurance premiums on this information. You may need to get a slab elevation if you are unable to obtain this information from the seller or your local permit office
Annual Percentage Rate (APR) is a calculated interest rate that reflects the overall cost of a loan on an annual basis. APR includes interest payments, origination fees, discount points, and other specific costs of getting a loan and is, therefore, usually higher than the interest rate. APR can be useful for comparing different types of loans. However, while all lenders are required to calculate APR based on guidelines provided by the Truth in Lending Act, not all lenders include the same costs in the calculation. This can make it difficult to compare the APR for loan programs from different leaders.
Points, also known as “discount”, are funds paid at closing so that you can get a lower interest rate for the life of the loan. For example, you may be quoted a rate of 7.375 with 0 points or 7.000 with 1 point. One point is equal to 1 of the mortgage amount.
Closing costs are expenses paid, by both buyers and sellers, at the closing meeting. Closing costs include pre-paid taxes and insurance, discount points, origination fees, title insurance, and other fees that may apply to your loan.
Pre-paid items are hazard/homeowners insurance, taxes, and pre-paid interest. Most insurance is paid in advance, so you will be required to pay for your homeowner’s and flood (if required) insurance policy for the first year in advance. Also, the lender will require you to make a deposit of up to 2 months of payments in order to establish an escrow account.
Many loan programs require that the lender pay the taxes and insurance on behalf of the borrower. Your loan officer can determine if the option to pay taxes and insurance yourself is available on the loan program that is best for you.
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.
Types of Loans
Streamline 203K: This is for projects where total renovations do not exceed $35,000. It is more for minor changes like upgrading HVAC, paint, fixing or replacing roofs, patios, septic systems or remodeling a kitchen. It does not allow for structural changes like foundation work.
Full 203K: This for projects that need to be more expansive in nature and may go over $35,000 in total renovations. It can be used for all the repairs from a streamline, but you can also make structural changes and reconstruction, repair or replace plumbing or use it to improve energy conservation, safety or disabled accessibility.
This is a great option when buying a home that needs a little TLC or you want to make your current home into your forever home.
What can a Homestyle Renovation help with?
- In-ground pools
- Interior and exterior upgrades
- Kitchen or bathroom upgrade
Program Flexibility: Conventional loans allow for different terms and down payment. Meaning you can customize your down payment, whether you have a first and a second or if you want to do one loan with Mortgage Insurance.
Program Flexibility: Conventional loans allow for different terms and down payment. Meaning you can customize your down payment, whether you have a first and a second or if you want to do one loan with Mortgage Insurance.
Loan Limits: Conventional loans are capped at a maximum loan amount of $647,250 for single-family homes unless the property resides in a High-Cost Area of the United States.
Second Liens Permitted: Another difference between conventional loans and the other programs is the ability to add a second lien to assist with down payment requirements. This also is a good option when buying a higher price house and need to go above the maximum financing amount in a non-High-Cost Areas.
For loan amounts over conforming limits and up to $3,000,000.
A VA home loan is a great benefit to military personnel during and after their service. Thank you for your service and sacrifice for our country.
No Down Payment: A VA home loan comes with 100% financing. Contact one of our home loan experts for more details.No Mortgage Insurance: Unlike USDA a VA home loan does not have monthly or annually mortgage insurance.
Certificate of Eligibility Required: In an effort to make sure we use your Veteran Benefits properly borrowers must obtain a Certificate of Eligibility . The VA Benefits portal will be able to help you find this information or contact us and we can assist you in getting the info.
Low Down Payment: FHA loans are great for first time home buyers or home buyers that are working with limited down payment. A down of 3.5% is all that is required and can be a gift from a relative.
Flexible Income Requirements: The original goal in 1934 for FHA loans was to make home ownership possible. One way the program does that is by allowing for more flexible income and credit guidelines.
Loan Limits: FHA does have different maximum loan sizes by area. To learn more click on here to see what the Loan Limits are in your city.
No Down Payment: The USDA loan comes with 100% financing. A down payment is not required which can be an obstacle to homeownership.
Low Monthly Mortgage Insurance: The upfront insurance rate on a USDA is generally lower than VA or FHA. It also has one of the lowest annual mortgage insurance fees. Other good news is the upfront fee can be rolled into the loan, eliminating an out of pocket expense at closing.
Only available in certain geographic areas: To get a USDA loan, the property you buy has to be in a USDA designated rural area, but that does not mean it is necessarily farmed land. Over 90% of the U.S. is eligible, which includes small town and suburbs. The USDA Mortgage Eligible Map will show you all the areas where you can use this loan.
Income Limits: The USDA loan was originally designed fro low to moderate-income families. The guidelines for USDA define income level as being 115% of the area’s median income. This income amount if very different in different parts of the country and can be very different in certain areas of a state. Please contact one of our home loan experts to learn more.
- Fixed Rate and Adjustable Rate
- FHA, VA, and USDA Loans
- Jumbo and Conforming Loans
- Conventional Financing
- Renovation Loans
Special Programs for Non-traditional borrowers also available
100% YES! This one decision will make the home buyer process go much more smoothly. The pre-qualification process is simple:
- Gather your personal financial information such as bank statements, W-2 forms and paycheck stubs, and meet with your Loan Officer.
- We will pull your credit report and evaluate your financial documents. With this information, you and the loan officer are able to discuss the best home financing options that will help you achieve your financial and homeownership goals.
- Once you are prequalified, we will give you a prequalification letter to inform your real estate professional and the seller of the property that you’re a preferred and serious potential buyer. This will give more weight to any offer you extend on a property as well as allow you to relax and enjoy the process of looking for your new home.
- How long will you live in this home? Several years, or just a few?
- Do you anticipate your income or finances to significantlychange over the next few years? Do you anticipate significant changes to your income or finances over the next few years?
- Are you either comfortable or uncomfortable with an adjusting monthly mortgage payment? Have you considered an adjusting monthly mortgage payment?
- Do you plan to be out of mortgage debt by, for example, when your children start college or when you retire?
Based on your answers, your home loan expert can discuss different home loan programs that will suit you financially and help you reach life’s milestones.
An FHA loan, on the other hand, is guaranteed by the Federal Housing Administration. FHA is a government agency that works with approved lenders like us.
Typically, origination points are applied and disclosed at the time of locking in an interest rate. On the other hand, discount points can be added at the time of lock or later in the process if you choose to pay to reduce your interest rate.
Origination fees are the fees required to originate the loan. They can include processing fees, underwriting fees, administrative fees, and several others. One of our Loan Officer can give you a complete breakdown of these fees as they vary from state to state.