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MORTGAGE

We want to make your home financing as easy as it can be. With Verity Mortgage, you can relax while we handle the details.

You can get a loan before you even select a home. A Verity 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.

  • Application

    • 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.

  • Processing

    • 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.

  • Underwriting

    • 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.

  • Closing

    • 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

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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Enter the sales price or the amount you plan to offer on a home.

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You can enter a dollar amount or percentage. Some programs allow down payments as low as 3%. Just remember, the more you put down, the less your payment will be.

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We’re using the current average mortgage rate to calculate payments. Your actual interest rate will be determined by your credit score, loan type and other factors.

Choose the length of the loan term you plan to use. Standard loan terms are 15 or 30 years.

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Enter the annual property taxes associated with the home you are purchasing. Many property listings include this information.

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Estimate the annual home insurance costs of the home you are purchasing.

Your estimated
monthly payment is
Principal & Interest
Property Taxes
Home Insurance
PMI
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Total Payment
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TIME IS ON OUR SIDE

ABOUT VERITY MORTGAGE

We started with a very simple idea at Verity Mortgage – Exceed our customers expectations. Verity Mortgage is a member of the Eustis Family of Companies which allows us to focus on our customer with a strong 60-year history of helping homeowners.

Our company was established with a mission to fulfill two goals that all great organizations have in common: low staff turnover rate and high percentage of repeat customers. We have repeat customers because we have great people. We are fortunate to have great people because we realize that great people are our value proposition.

Verity, deriving from the Latin word Veritas, means a true principle of fundamental importance.

Nothing is more important than taking care of our customers.

So whether you are buying your first home or doing a refinance we hope you will give Verity Mortgage the opportunity to be your lender for life.

SERVANT LEADERSHIP

We lead by full engagement, we lead by example, we lead by empowering employees. Our leaders help each other reach their full potential Our passion for serving guarantees that we always develop the next generation of leaders to take care of our clients.

RELENTLESS INNOVATION

As a company, we must always be the driver of change we want to see in the world. The thought process of 'because it has always been done that way' stops at the doors of our office. Instead, we will continuously challenge our process and technology. Always striving to make our clients experience better and providing avenues for our employees to grow.

FOCUS ON THE CLIENT

The needs of our clients are the most important part of our organization. Our learn puts aside the need to be right to make sure we get it right for the client every time. The focus gives us the ability to WOW our clients and turn them into raving fans.

ONE TEAM FOCUSED ON ONE MISSION

We are a company that welcomes diverse backgrounds and experiences. That diversity will unite us together to allow us to achieve our mission.

THE GREATER GOOD

Helping clients realize the American dream is our purpose, but we won't stop there. We realize that we have a responsibility to do more. This company will inspire our people to change the world. Our history shows this, and our future will embrace it.

We've been in the mortgage business since 1956 and many of our clients have been coming back again and again since we opened our doors over 60 years ago. They know they can always rely on us for the information and service they expect and deserve. And you can, too.

STEPHEN BARTON

Executive Vice President, National Production
Cell: (214) 673-1319
Email: Stephen@VerityMortgage.com

Stephen Barton joined Verity Mortgage, a division of Eustis Mortgage Corporation, in the beginning of 2016 with over ten years of experience leading regions and sales divisions in the mortgage industry. As the current Executive Vice President of National Production, Stephen drives the growth of Verity's retail production through the acquisition and management of the most talented mortgage professionals throughout the United States. His focus is to simplify the mortgage lending process by effectively recruiting, training, and retaining the best people in the industry. With Stephen's knowledge and guidance, Verity Mortgage is prepared for vast expansion and growth, beginning at the originator level.

BRYAN MARR

Vice President, Branch Operations
Cell: (972) 467-2884
Email: Bryan@VerityMortgage.com

Bryan Marr joined Verity Mortgage shortly after the company linked with Eustis Mortgage Corporation's family of companies in 2016. With over ten years in the mortgage industry, Bryan has mastered all facts of the loan process and served as the Regional Operations Manager for some of the largest regions in the U.S. Now, as Vice President of Branch Operations for Verity Mortgage, Bryan is leading the company to focus on supplying clients with the most simple and efficient loan processes in the industry. He is largely devoted to each branch and its mortgage lenders, ensuring they all have the tools and knowledge to provide unbeatable client service.

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VERITY MORTGAGE IS AN EQUAL OPPORTUNITY EMPLOYER THAT WELCOMES AND ENCOURAGES ALL APPLICANTS TO APPLY REGUARDLESS 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.