CHEER SQUAD
Jake is just awesome! He did an amazing job guiding us through the process and was always available if we had questions be it nights or weekends. We could not have asked for better service. I would highly recommend Jake!
Sherri C
Sep 28, 2023
so grateful for Jakes availablilty to discuss and answer questions. Thank you!
Troy C
Sep 26, 2023
Everything! Fast and clear communication and I always felt like I could trust what he was telling us. Jake made the home buying experience easier than I ever thought it could be!
Katie J
Sep 21, 2023
Quick and painless
Richard H
Sep 07, 2023
Super easy… convenient
Stacy M
Aug 30, 2023
Communication is very important to me and Jake always was accessible and clearly explained all of the steps in the process.
Stephen W
Aug 29, 2023
Jake and Brianna were so easy to work with, always available to answer questions
Nichole R
Aug 24, 2023
Made the process super easy!
Bryce R
Aug 21, 2023
I appreciated how thorough Jake & his team were to make sure everything was in order at every stage of the process.
Annette J
Aug 21, 2023
Jake was excellent to work with! Very professional and answered any questions I had thuroughly and quickly. We were in a time crunch and him and he really through. I'm so glad for the recommendations for Jake and Devin (my realtor)!
Britney E
Aug 12, 2023
Jake and his team were very efficient with all of their work! They were always available to answer any questions we had! They made the house buying process very easy for a first time home buyer like me!
Grace B
Jul 23, 2023
The responsiveness and willingness to help was amazing. Everyone worked so hard to make a 3 week close possible. Any time questions were asked, Jake was always happy to answer them!
Westyn B
Jul 23, 2023
Jake made things so easy. In a process that frustrates so many people, he took care of everything! Was real quick to respond to emails, text's and answering my questions. I tried to go thru my normal bank, but without getting into details they just made the process a lot more difficult.
John H
Jul 22, 2023
Jake went above and beyond to make our home buying experience as easy as possible! He explained everything we needed to know in great detail, is very knowledgeable, and listened to all of our questions and concerns. We are so grateful for all of his help!
Mark M
Jul 17, 2023
Jake answered every question I had and did so quickly! He was very easy to communicate with, and as a first time home buyer we needed that!
Anna C
Jul 12, 2023
The process was very smooth and I received very effective communication. I am elated with my experience!
Vanessa K
Jul 10, 2023
One of the key aspects that make Jake stand out is his commitment to providing personalized and attentive service to each customer. He takes the time to understand their unique needs and goals, allowing him to offer tailored solutions that meet their requirements effectively. Whether it's a first-time homebuyer or someone looking to refinance, Jake goes the extra mile to ensure his clients feel supported and well-informed throughout the process.
Jake's extensive knowledge and expertise in the mortgage industry further contribute to the outstanding experiences reported by customers. He is well-versed in the intricacies of mortgage products, rates, and regulations, enabling him to provide accurate and reliable information to his clients. This expertise instills confidence in customers, knowing that they are working with a competent professional who can guide them through the complexities of the mortgage process.
He promptly addresses any concerns or questions they may have, keeping them informed at every stage of the mortgage application or refinancing process. By fostering open and transparent communication, Jake ensures that his clients feel heard and valued, creating a positive and trusting relationship.
Lastly, Jake's friendly and approachable demeanor has left a lasting impression. He is known for his warm and personable nature, which helps create a comfortable environment for clients to discuss their financial goals and concerns. This level of professionalism combined with a friendly attitude has made the experience of working with Jake both enjoyable and stress-free.
In conclusion, Jake Arey's dedication to customer satisfaction at Eustis Mortgage is evident through the positive feedback he receives from clients. His personalized approach, industry knowledge, excellent communication, and friendly demeanor contribute to the great experiences reported by customers. Jake's commitment to providing exceptional service continues to make him a valuable asset to Eustis Mortgage and a trusted partner for those seeking mortgage solutions.
Kameron A
Jul 09, 2023
Jake and his team were so helpful, knowledgeable, kind and quick to respond! They worked their magic and were there every step of the way in our homebuying journey. I highly recommend Jake and his entire team to help make your dreams of homeownership come true, like they did ours.
Amie L
Jul 07, 2023
Very simple and the communication was quick and easy!
Jarrod H
Jul 05, 2023
Good communication skills and he gave me a amazing realtor Brooke Rupple
Branden R
Jul 03, 2023
The entire process from day one went very smooth. Jake and his team provided top notch service and made it look easy.
Anthony B
Jun 30, 2023
Jake and his team were great about answering my questions in a timely manner. He was very knowledgeable, and stayed in constant communication.
Kasey J
Jun 25, 2023
Jake is amazing! Well informed, communicative and friendly. I recommend everyone to use Jake as a lender.
Barry C
Jun 24, 2023
Continual communication.
Rebekah Y
Jun 19, 2023
Jake and our realtor worked really hard to get us a home in a short amount of time. We are so grateful! Thank you Jake!
Stacey B
Jun 18, 2023
Jake and his staff made this difficult process as easy as possible.
Marcus M
Jun 14, 2023
Such a smooth, easy process! Jake and his team are so easy to work with & so knowledgeable. Everything from start to finish was seamless!
Callie G
Jun 10, 2023
I hardly had to do any work. He made the whole thing seamless and easy. Took a weight off my mind.
Tailour S
May 26, 2023
Jake was easily accessible and immediately responsive. He took care of everything and the process was super easy.
Megan B
May 20, 2023
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.
