CHEER SQUAD
Audrey was very pleasant to work with. She is knowledgeable, informative and communicated with my wife and I very well. She made the entire process much easier than we thought it was going to be. Audrey had an answer for every question we had. She was very prompt on getting any and all information we needed.
She just made the whole experience wonderful. I would recommend and work with Audrey any time.
Sincerely
Chris Poston
Christopher P
Sep 02, 2024
Audrey was very informed, professional and helped make this difficult transaction smooth.
Kimberly S
Aug 24, 2024
Audrey was great - she went above and beyond!
Michael S
Aug 20, 2024
Audrey is the absolute best! She is so quick at getting back to me and keeping me informed of the process. She will always be my go to for mortgage related loans!
Rebecca T
Jul 28, 2024
Audrey was great to work with and extremely responsive to any questions or concerns I had throughout the process
James B
Jul 17, 2024
Audrey and her team were very thorough with every step. They communicated and explained what was necessary, which gave me such peace of mind. Their response time was swift and effective. Thank you all so much!
LeiAnna C
Jun 18, 2024
Audrey was amazing! My husband and I are first time home owners so we naturally had quite a few questions. Audrey was always there to answer our calls and emails, explained everything super clearly in a way that made sense to someone who hadn’t gone through the process before, and was so kind and supportive. Her experience showed, and I’m just super grateful that we got to go through this process with her!
Page B
Jun 14, 2024
Audrey was a great communicator and answered every question to the best of her ability. Phenomenal time working with her, and would recommend her to others as well.
Thomas B
Jun 11, 2024
Very informative as some things are a bit different in the state we purchased.
Steven R
Jun 08, 2024
Audrey and Jasaka were the best. They really went out of their way for us. Couldn’t have asked for a better team.
Mary M
May 16, 2024
Audrey was very responsive and helpful through the process.
Gregory C
May 12, 2024
Very pleased with Verity & Audrey Morris. Went from contract to closing in a little over 3 weeks. Communications were excellent and the process flowed quite smoothly. Lots of paperwork, but the well organized document management system made it much less painful than it could have been. Very satisfied with services rendered and would highly recommend.
Charles P
Apr 30, 2024
Audrey……WOW!!! I couldn’t ask for a better experience on buying MY NEW FIRST HOME!
she was always there to communicate, walk me thru, step by step, explained all the pros and cons
And with all her power Audrey got my family and I, the best deal we could ever thought of!!!
Audrey you rock!! Will be passing the word round for home buyers !!
THANK YOU!!
The Granados Family
Jose G
Apr 16, 2024
Her expertise in the field, kind demeanor, ease to talk with, and overall great transparency throughout the whole process!
Kareem A
Mar 05, 2024
An absolute pleasure to work with. Made the home buying process easy.
Melissa M
Feb 21, 2024
Audrey was readily available to answer all my questions.
Linda P
Feb 01, 2024
Audrey went above and beyond to make sure our deal could work! Great experience!
Sarah L
Jan 23, 2024
Audrey made my loan process pleasant and smooth. She responded to all of my emails quickly and found answers when needed. I will definitely use her when I refinance!
Rebecca T
Jul 19, 2023
Thanks for the hard work Audrey!
Glad you were always ready to answer any questions.
Placido H
Jun 13, 2023
I appreciated your professionalism and that you also made me feel very comfortable throughout the entire process.
Betty M
May 27, 2023
Audrey is absolutely fantastic! She made the process of buying our home so easy and we loved working with her! Would 100% recommend her to anyone looking for a mortgage!
Corissa D
May 20, 2023
Audrey was very helpful in making sure we were always educated on what was going on and was excellent at communication!
Jonathan D
May 16, 2023
Audrey was very helpful with the whole process. Whenever we would contact her, no matter the day or time she would quickly respond. The process of buying a home was great, thank to Audrey.
Alfredo D
Mar 12, 2023
Audrey answered my texts on weekends and helped with everything!
Autumn J
Feb 09, 2023
From start to finish everything went very smooth and fast. Courbet happier
John H
Sep 12, 2022
Audrey can make it happen and can make it happen smoothly! I have enjoyed working with her for the second time, and wouldn’t choose anyone else!
Cailey G
Jun 13, 2022
Audrey and her team were knowledgeable, professional and INCREDIBLY helpful throughout my entire process. This is the 2nd time I have used Audrey for a home loan, and I will never use anyone else!
Lauren S
May 30, 2022
Audrey is awesome!
Joel W
May 27, 2022
As a first time home buyer the whole process is very stressful and daunting. Audrey was able to explain each step, empathize with my concerns, and bring much needed peace throughout the process. There was never a time where I felt ignored or ignorant with my questions. I couldn't recommend Audrey enough.
Lisa L
May 11, 2022
Provided excellent guidance throughout my home buying experience.
Patricia B
May 08, 2022
Over all going above and beyond, was available through every step of the process, and always taking the time to explain everything. We would recommend Audrey and her assistant in a New York second
Nancy M
Mar 16, 2022
Audrey was absolutely amazing. She was helpful and patient with us throughout the whole process. Buying from halfway across the country was not an easy task, but she made it seamless. We cannot recommend her enough!
Alyssa S
Feb 03, 2022
Audrey closed 5 very important, very stressful 1031 exchanges for me on the very last day of 2021. If it wasn't for her incredible persistence & attention to detail...these transactions would not have closed on time and I would have lost my opportunity. Thank you Audrey! I owe you one.
Sean R
Jan 14, 2022
Excellent Loan Officer!
Mari F
Jan 07, 2022
She was very communicative and informative throughout the process!
Justin R
Dec 03, 2021
Audrey was very informative and responsive throughout the whole process. She really made the homebuying process stress free. 10/10 I’ll be sure to refer others to her!
Cedric S
Nov 10, 2021
Audrey was great made the impossible, possible. She was really good at keeping us updated and available to answer our questions. We closed in three weeks
Blanca F
Oct 26, 2021
Audrey is an absolute PRO! She blew me away with her prompt work and excellent communication skills. She closed our JUMBO loan in less than 30 day…amazing…and did it with no hiccups. We will not be doing mortgage business with anyone else but her. She has all the referrals from us coming her way!
Alexandra D
Oct 07, 2021
During our new home build, Audrey was the shining star!! Any time we had questions, she was readily available! Verity should be thrilled to have her on their team, and if there was a way to give more than a 5 out of 5, we would!
Zane D
Oct 07, 2021
Audrey was very prompt and professional! We would love to work with her again given the opportunity arises.
Zachary Z
Oct 07, 2021
Great communication and updates from Audrey. She was very easy to reach for both me and my wife. She also communicated effectively with our realtor to make sure that we were doing everything we needed to. As first time home buyers, we were unfamiliar with this process, and she made everything so smooth and easy for us. Thank you for the stress free experience!
Michael O
Jul 20, 2021
Audrey was excellent to work with & provided a seamless transaction!
Jillian C
Jul 20, 2021
The whole process went great. We had no problems an Audrey went out of her way to help. Very pleased. I will definitely refer to friends.
Tamara H
Jul 20, 2021
Audrey was always very communicative, and willing to answer any questions we had in a very timely manner. I felt she had our backs, and really went the extra mile to keep us within our desired budget for our mortgage.
Rachael L
Jul 20, 2021
Audrey is very knowledgeable and her communications were always timely. She made the whole process easy to navigate. I am so thankful we had the opportunity to work with her!
Vicki R
Jul 12, 2021
Audrey is amazing! Her communication and responsiveness is the best I have seen so far. I absolutely love working with her, and I highly recommend to any and everyone. (:
Raven M
Jul 07, 2021
Roxana S
Jun 14, 2021
Audrey was extremely efficient, helpful and patient through the entire process... from hello to closing... a great experience!
Donald M
Jun 09, 2021
Audrey was very helpful and proactive from the beginning to the end of the process.
Mircea N
May 27, 2021
We so appreciate all Audrey did to help us buy our dream home. She was proactive in helping us and stayed on top of communications no only with us but with the title company as well. They shared with us that they were very pleased to work with her as well. Thank you so much, Audrey!!
Jeanne M
May 04, 2021
This is the second refinance that I have done with Audrey's help. She is professional and super helpful. I trust her completely and would highly recommend her to anyone looking to purchase a new home or refinance.
Paula O
Apr 28, 2021
I had the pleasure of working with Ms. Audrey Morris on a complicated home loan. Audrey took on the challenge that 2 other lenders would not since I was a new 1099 employee and not a W-2. Not only did she fully execute, but she never lost her composure when at times, things seemed bleak. We were in the middle of having our 2nd child during the closing process, but Audrey and her team never faltered and fully delivered. I will only recommend and use Audrey and Verity moving forward.
Nathaniel T
Apr 28, 2021
Audrey was professional and got me approved when big mortgage companies could not. Don't waste your time with big brand names go with Audrey who will save you time and money.
Alexander E
Apr 28, 2021
Working with Audrey was such a pleasure. She has great communication and customer service skills. She is super efficient at what she does. I highly recommend her!
Lisa M
Apr 27, 2021
Audrey helped us to close on our new home in 15 days! She helped our offer stand out above the rest in a competitive market! Thanks for your help, Audrey!
Megan H
Apr 22, 2021
On top of every detail and able to explain the process to me
Very very pleasant to work with
Neil T
Apr 22, 2021
Smooth transaction from start to finish!!
Andrew S
Apr 22, 2021
Everything went smoothly and in a timely manner.
Patricia D
Apr 22, 2021
So easy! Worked the deal to our advantage.
Kenneth D
Apr 19, 2021
Audrey was always available to answer any questions we had. She made the home buying process painless and easy.
Krystallyne H
Mar 14, 2021
Audrey was extremely responsive, detailed in her presentation of our options, and ultimately able to recommend the best course of action for our family. I highly recommend her as a loan officer, for her deep knowledge of the market and processes, her timeliness, and her attention to detail. Our loan was processed extremely fast and without any complications. Thank you so much!
Crystal F
Feb 18, 2021
Audrey is the absolute best. The communication was very precise and she made the entire transition seemingly easy and the process a lot less stressful.
Hiram T
Feb 17, 2021
Audrey was fantastic and made the whole process easy. She kept us well-informed the entire time and every single aspect about working with Audrey was 10/10. AUDREY made it GREAT!
Zachary F
Feb 10, 2021
Great follow up and extremely fast processing!
Richard F
Feb 04, 2021
Audrey is excellent, the process went smooth. I'll be using her again soon.
Jesse A
Feb 01, 2021
Smooth process all the way through funding!!
Michael C
Jan 02, 2021
Audrey was so fantastic! EXTREMELY knowledgeable and made the process so easy! Would recommend her in a heartbeat.
Chase L
Dec 21, 2020
Audrey was very thorough in her explanation and extremely helpful from start to finish. The whole family refinanced through her and we will continue to refer her to friends. Thank you so much for your professionalism and support, Audrey!!
Breck L
Dec 17, 2020
Audrey was extremely helpful throughout the entire process for our refinance. She was transparent and very quick to respond to any questions that we had. I have already recommended her to several friends who are considering a refinance.
Connor T
Dec 14, 2020
I always get the best reviews by my clients about Audrey!
Judith D
Dec 12, 2020
Audrey is a great communicator and excellent at keeping you informed step-by-step. She is both friendly and professional. I will refer her to everyone I know!
Roudier D
Oct 02, 2020
Great service
Michael M
Sep 18, 2020
your creativity and imagination
David B
Sep 02, 2020
Audrey was amazing through the loan process. She was in constant communication with us and walked us through the whole process. would definitely use Audrey again.
Matthew A
Jul 23, 2020
Audrey kept me informed throughout the entire process and delivered on every item we discussed!
Christopher R
Jul 20, 2020
Audrey was great at communicating. Even during COVID-19, she was on top of our mortgage application, and we were able close on our first home in record time!
Garrett J
Jul 16, 2020
Audrey is simply the best. I don't refer any other lenders.
Judith D
Jul 13, 2020
Audrey is very knowledgeable and has gone above and beyond with the initial purchase of our house and with the refinancing our house. She made it almost effortless for us by providing what she needed from us or helping us get it. She is super sweet and patient. I would recommend Audrey to anyone looking for help with the purchase or refinancing of a home. She is great.
William F
May 02, 2020
Audrey is the best!!!!! She is so quick to respond and get things done. She is so genuine! She is really great at breaking things down for me so I understand them. She also chooses people to help us a long the way that are really fast and easy to contact as well. She's also good at making changes to information quickly.
Literally, she's fantastic, if anyone tells me they are buying a house or refinancing their home, I'm giving them her name.
Bonnie J
Mar 26, 2020
Audrey provided us with timely, efficient information and assistance. Audrey is very professional and pleasant to work with. She really made the process as smooth as possible for us. Many thanks!
Nuebel L
Mar 13, 2020
I appreciated the fact that your team moved fast and helped my husband and I find the perfect home. You are very personable and kind, it really made the process go smoothly.
Hiram T
Oct 15, 2019
Audrey does a fabulous job !
Mary J
Oct 10, 2019
Easy to reach, great communication, met all the deadlines we needed to close on our house in 2 weeks!
Great at answering questions! Everyone was friendly that we interacted with!
Thanks!
Bonnie J
Aug 05, 2019
Audrey was great from start to finish. I was very concerned about rising interest rates from June 2018 and lock in circa feb 2019. Her instinct proved right with the rates actually dropping before closing. She has incredible business acumen and a professionalism unmatched by people in her profession. She was a joy to work with!
Mike M
Apr 07, 2019
Audrey and her entire team worked with me day/night to help me purchase my home. They actually worked overtime because they made all of this happened while I was working/stationed overseas in Afghanistan. With the time difference, they made the process as smooth as possible. Thanks again!!
Woods M
Sep 11, 2018
Audrey told us exactly what we needed to do to obtain the financing we desired. Audrey also helped in obtaining the information if needed for the underwriters by reaching out to my employer to give them a little nudge. Audrey answered any and all of my questions throughout the process no matter when I called. Very good job!
Kaler P
Sep 03, 2018
She is very accomodatibg with her time, responds our questions in a timely manner, she discuss things and explain to us very clearly.
Kaler T
Sep 03, 2018
Audrey was on top of things at all times and very patient with me concerning e-signing. It was a pleasure to work with Audrey.
Repass T
Aug 21, 2018
Audrey was amazing and easy to communicate with!
Phillips J
Jun 04, 2018
You all made it so easy and even when we had no idea of what we were doing. You handled everything with a calm stready manner making us be able to be calm. Thank you for everything and we would tell anyone and everyone to go through you guys!
Fouts W
Jun 01, 2018
Audrey was very understanding. She kept in touch with us through the whole process and kept us updated. She was simply amazing ...
Robin M
Oct 21, 2017
We felt as if Audrey went above and beyond to keep us informed and up to date on everything. She never failed to contact us when we had a question or ask for any kind of help. She was always reassuring even when we had doubts. She made us feel as if we were the only ones that she was working with, even though we knew that was not the case. An absolute great overall experience!
Gerald M
Oct 20, 2017
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.
Get Prequalified before you shop for a house
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!
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.