CHEER SQUAD
Great customer service. Really helpful regarding insurance. Great helping me understand the particulars of the local real estate situation.
Glennis W
Feb 08, 2023
Mimi was professional, personable, and kind. She was always available and we chose Eustis because of the customer service we received from Mimi.
Chelsea M
Nov 14, 2022
The personal attention I received and I really felt Mimi was working hard to match me with a lender.
Gregory W
Sep 12, 2022
Mimi was always there and was very responsive to all of our needs. She communicated perfectly.
William M
Sep 11, 2022
Everything. Questions were answered timely. The process was seamless. Communication was excellent.
Phyllis S
Aug 09, 2022
Mimi was communicative and helpful in explaining each step of the process. She found us a competitive rate and product that made for the best arrangement for our particular timeline and situation.
Amanda F
Jul 13, 2022
Mimi (and the entire Eustis team) was responsive, kind and easy to work with.
Joshua F
Jul 13, 2022
Great communication!
Carolyn S
Jul 05, 2022
This process ran super smooth, all of my needs were met and Mimi came through with everything she said she would do. We felt like she worked hard to get this deal done and made all of the confusion, quite clear.
We would 100% recommended her to all who ask.
Sean M
Jun 22, 2022
Mimi and the team were great from start to finish. Helpful, responsive, and professional.
Eliza L
May 16, 2022
prompt communication, thinking creatively to accomplish our goals
Rachel N
May 10, 2022
Made the process seamless and easy.
Kristin V
May 08, 2022
Mimi Denis - she is very professional, efficient with our time and knowledgeable. Great top work with!
Edmund D
Apr 29, 2022
Good communication and low origination fee!
Dolly B
Mar 14, 2022
Good communication
Michael Z
Mar 14, 2022
After hurricane Ida we found ourselves having to move for the first time in 28 years… we had many mixed emotions and were needless to say feeling overwhelmed. We reached out to Mimi Denis and immediately knew we were in good hands. Mimi and her staff were so wonderful, and very attentive through application process.. Mimi took the time to speak with us to thoughtfully assess our needs and wants, and thus began our search for a new home. Almost immediately we found a house that we fell in love with, and we were completely at ease through the entire process due to the amazing dedication we received from Mimi. From that day to this, we are still pinching ourselves that everything fell so easily into place… thank you for bringing us so much happiness in our new home. We just adore it!
Suzanne L
Feb 16, 2022
She is quick and wonderful to work with
Natalie P
Feb 02, 2022
Mimi was great throughout! Would highly recommend her to anyone I know coming up looking for a mortgage!
Jonathan K
Jan 19, 2022
Rapid response!
Suzanne S
Jan 07, 2022
Everything was very straightforward
Marjan A
Dec 09, 2021
Mimi was incredibly professional, knowledgeable, and attentive. She worked hard to make the transaction seamless!
Hope S
Dec 07, 2021
Effective, efficient and timely
Byron C
Dec 02, 2021
Very happy with the service, great experience.
Toni C
Dec 02, 2021
Got it done!
Winter J
Nov 15, 2021
In the area(s) where I lacked understanding about the mortgage process, I would always be reached out to, if not answered right away, and explained what I misunderstood throughly
Tyler B
Nov 15, 2021
Mimi and Robyn cared about me. They made sure that I was able to qualify for a loan. Every time I spoke with them, they were so nice and seemed to take a personal interest in me. My life has been enhanced because of them.
My sincere thanks,
Rhonda Tortorich
Rhonda T
Nov 05, 2021
Quick and Prompt
Dominique R
Nov 04, 2021
Mimi and her team are the best at what they do. No fuss, no drama, easy-peasy!
Charell A
Sep 27, 2021
Mimi works the loan quickly and provides great advice about different options. Five Stars!
Christopher S
Sep 27, 2021
Mimi and her team were always in touch and helped me a great deal during the whole process. That level of effort on my behalf was so appreciated as this was the first time I had applied for a mortgage individually. Mimi was terrific!!
Corinne M
Sep 27, 2021
Mimi was very patient and informative with my buyer. My buyer was a young first time buyer and needed extra care. I couldn’t have closed the sale without Mimi’s help.
Tim A
Aug 03, 2021
Mimi and her team were great to work with! I would recommend any of my clients to her!
Krystel R
Aug 03, 2021
Mimi was easy to reach and provided great care and service to my clients.
Eileen N
Jul 23, 2021
Highly professional. Good financial advise. Expedited & navigated the VA process without a hitch.
Rodney H
Jul 02, 2021
Mimi is well organized, and has a great team, and is able to offer great loan options. She makes the process as smooth as possible, and I am grateful she made what is confusing to me such and easy process. Thank you, Mimi!
Sarah M
Jul 02, 2021
Mimi and her teams hard work made for the fastest closing I’ve had this year! Even more remarkable being a VA Loan.
Caroline G
Jun 29, 2021
Mimi
Got the job ✅ done. She worked all ways in her experience and expertise to get my client a loan!
She’s excellent at her job. Calm cool and collected.
Mimi is very professional and is an expert in her field!
ThAnk you Mimi 🤩 you are the bomb 😁
Charlotte H
Jun 20, 2021
Mimi DEFINITELY went the extra mile for us! As a small business owner with multiple streams of income I’m a difficult fit for most lenders. However Mimi embraced the mantra of “I shall find a way, or shall MAKE a way!”
She got us across the finish line on time and we are in our new home.
When you work with professionals you get the desired result. I very highly recommend her for your needs.
Fabian G
Jun 19, 2021
Mimi has been a pleasure to work with since the beginning. She always has the customer’s best interest in mind.
Keiron W
Jun 12, 2021
Thanks Mimi! Wonderful process from start to finish!
Myles H
Jun 04, 2021
Mimi helped us with our mortgage and was great to work with!
Erin R
Jun 03, 2021
This is the second time I have worked with Mimi on a mortgage loan process. I hope I am in my forever home but if not, I’ll enlist her help again.
Christian R
Jun 02, 2021
All my questions were answered promptly.
Vincent R
May 27, 2021
This is where you loose me. Ask me how was it? I said great. Learn when to stop.
Fred B
May 23, 2021
Mimi was responsive to our questions, explained the process, and helped us evaluate our options.
Jason K
May 18, 2021
Mimi and her team kept us informed throughout the transaction and were able to get it closed a week early!
Shaun M
May 17, 2021
Mimi was wonderful to work with! She was very quick to respond to everything that we needed. The rate she got for my Buyers was great. Mimi was with us at every step of the process from the offer to closing.
Mary D
May 14, 2021
Mimi went the extra mile. Great person who understands her profession!
Andrew F
May 11, 2021
Our whole experience from start to finish was outstanding! Great communication, great response time to our questions and great customer service!
Shari S
May 04, 2021
Mimi is tremendously accessible and responsive.
Roy S
May 04, 2021
I was happy with the overall timeline.
Tammy N
May 01, 2021
Easy and perfect
Robert B
Apr 19, 2021
Mimi was efficient and responsive. I will recommend her to anyone.
Julie E
Apr 12, 2021
Mimi goes above and beyond and makes the loan process hassle free.
Michelle S
Apr 01, 2021
Mimi helped make our buying experience a pleasant one.
Billie B
Mar 13, 2021
I love that Mimi always answered the phone I have dealt with other lenders before and it would be very hard to get in touch with them or get responses.
Ashley C
Mar 12, 2021
Jessica L
Mar 12, 2021
Mimi is a great lender and communicates well, which is the most important thing for me as a realtor when I am working with a lender.
Michael Z
Mar 12, 2021
From start to finish, Mimi and her team were professional, punctual, and friendly. Got the job done ✅
Stephen F
Feb 26, 2021
Everyone was helpful and thoughtful.
Laken D
Feb 22, 2021
Mimi is able to work through every challenge and communicate well with all parties involved. She gave extra care to my nervous first time home buyer and made the transaction easy!
Michelle S
Feb 22, 2021
Mimi!
Louis C
Feb 22, 2021
Mimi was patient and responsive.
Kathryn B
Feb 18, 2021
NA
Erika C
Feb 18, 2021
Mimi helped us make the right refinance decisions for our needs and was very clear in the documentation she needed to help us complete the process in a timely manner.
Rebecca M
Feb 15, 2021
Margaret B
Jan 19, 2021
Mimi is fantastic! She’s so pleasant and easy to work with , so receptive, communication is a excellent . Buying my first home and refinancing was a breeze! I will definitely use her (and Eustis) again in the very near future as well as recommended her to friends and family.
Amira S
Jan 14, 2021
Mimi worked tirelessly to make the mortgage process easy. Great job. Great rate.
Richard P
Jan 02, 2021
No BS. Straight to the point. Organized, efficient, and likes to see things from all different directions to find the best solution for the problem.
Claire S
Jan 02, 2021
Excellent Service
Arthur B
Dec 20, 2020
Mimi gives the absolute best service. I would recommend her to anyone.
Christopher S
Dec 18, 2020
Mimi is a pleasure to work with. Communications are clear, concise, and timely. My concerns are always addressed and the process ran smoothly.
Richard M
Dec 03, 2020
Thanks so much Mimi. Great job! You make the process painless.
Damon K
Nov 04, 2020
Mimi was professional, pleasant, quick to communicate and reply to our calls/emails/texts. She was also creative and a terrific, proactive part of our team. Recommend her 100%!
Heidi M
Nov 01, 2020
Mimi is on top of her game! Timely and professional, she's helped us out now two times!
Jesse M
Oct 31, 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 2023 | 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.