CHEER SQUAD
Jake and his team were amazing during the entire process. They communicated frequently so we were always kept updated and not left in the dark about our loan process. Jake and his team were an answered prayer to my husband and I. I will be sending anyone I know looking to buy a home to Jake Arey and his team at Verity Mortgage.
Tara S
Sep 19, 2024
Jake and his team stayed on top of our file the entire time. Their communication was amazing, and they made the process very quick and easy!
Denise P
Sep 18, 2024
Jake is very responsive, excellent with communication and status updates on process and progress.
5 stars!
Kerri D
Sep 16, 2024
The process was fast and easy
Kylie H
Sep 03, 2024
Jake his team were absolutely wonderful. They were helpful and always listen to my concerns or questions. I will be definitely using them in the future and will be recommending them to anybody I know.
Jennifer M
Sep 02, 2024
Jake and his team handled absolutely everything. They made this process extremely easy for me and I am so grateful to them for their help!
Kristi V
Aug 25, 2024
Jake and his team stayed in constant contact to make sure we knew what was happening and what all was needed, as well as what to expect. We are very grateful for all their help to make our closing experience such a great experience!
Anna L
Aug 22, 2024
The team was efficient and made the overall buying experience a breeze. I would recommend them to anyone wanting to purchase a home.
Connie C
Aug 21, 2024
Jake and his team were ready to respond to any questions we had about the process! They were quick to respond and extremely helpful during a stressful time.
Hannah D
Aug 20, 2024
Jake and his team were professional, helpful, and so friendly! We are so thankful for their hard work and dedication!
Chloe C
Aug 17, 2024
Quick & concise communication. Easy to talk to, made the process easy for us!
Jordan C
Aug 16, 2024
Very easy and flawless experience. Appreciated the quick communication even after normal business hours. Thank you
Shelly W
Aug 14, 2024
I felt at ease walking into closing that Jake and his team had everything together for me. I feel they stayed ahead of the game and worked for me in all areas of the transaction. Very grateful!
Rebecca P
Aug 10, 2024
Easy, quick, and convenient service!
Lauren G
Aug 03, 2024
Jake & his staff are so kind and made the home buying process so much easier! Great communication and so very helpful! 10/10 recommend!
Kathryn M
Aug 02, 2024
Very personable staff and easy to work with.
Christopher C
Jul 30, 2024
Great communication, personal, and excellent with assisting everything.
Ricky M
Jul 26, 2024
Amazing customer service!
Hong Ngoc H
Jul 22, 2024
Jake came highly recommended and our experience was top tier.
Kevin L
Jul 20, 2024
Overall very professional and helpful
Adam M
Jul 19, 2024
Jake and his team were very thorough and kept me informed throughout the whole process! They were all there to make my dreams a reality and they did just that! Would definitely recommend reaching out if you are looking into a large purchase!!
Britni C
Jul 17, 2024
Jake and his team were excellent with explaining and walking me through this home buying experience. They kept me informed every step and were very quick to reach out if I had any questions. Great experience! Would highly recommend.
Melanie Y
Jul 09, 2024
Jake and his team made the whole process very easy and stress free. Will definitely recommend Verity.
Karen W
Jun 29, 2024
Jake and his team were the best! So responsive, knowledgeable, and compassionate. He did a great job keeping us informed every step of the way!
Dylan M
Jun 29, 2024
Jake quickly responded to us whenever we had problems. He was very professional and we highly recommend him.
Xiuzhen L
Jun 23, 2024
Jake and his team were fantastic. They were on top of all the things. They were very friendly and communicative! 100% recommend!
Sarah K
Jun 21, 2024
Jake and his team were great at explaining all of our different options and walking us through our many questions!
Sydney B
Jun 15, 2024
Jake was awesome to work with from the first phone call! He handled everything very quick and efficiently, answering any and all questions that I had. I will most definitely recommend Jake and his team to anyone I know needing financing!
Jami S
Jun 14, 2024
Jake was so wonderful to work with and helped me through the entire process of buying my first home. He was prompt in his responses and always made sure I completely understood each step of the process and never made me feel bad for not knowing. I would highly recommend him to anyone who is needing a home loan and will absolutely be using him in the future as well.
Kristen S
Jun 11, 2024
Jake was excellent and very helpful when explaining this process.
Zachary B
Jun 06, 2024
Everyone was very professional and attentive to our needs and very informative. Our experience was very pleasant.
David B
Jun 01, 2024
As a first-time home buyer, Jake & his team were incredibly detailed & helpful throughout the whole process. Jake was available & willing to help with any questions at any point in the process. Working with Jake at Verity Mortgage has been a great experience, & should I need a lender on another house, Jake & his team will definitely be my first call. Absolutely recommend!
William P
May 31, 2024
Jake and his time made it very easy to under stand the process and explained everything very well when we had questions or got confused. We were so happy to be able to work with Jake and his team and will be letting our friends and family know to go to Jake if they decide to buy a home in the future.
John H
May 27, 2024
Jake held our hands through the whole process. Kept our anxiety levels low. If I were to buy another house I would definitely call Jake Arey, Verity Mortgage!!! Thank you again for all that you did!!
Lucy L
May 26, 2024
It’s was the end results we are now home owner
Chris M
May 25, 2024
Extremely friendly and helpful in the whole process!
Logan B
May 25, 2024
Jake made the experience amazing and handled everything quickly and efficiently! He also worked hard to make sure we got the loan that fit our needs best and we appreciate all the work he put in! He was quickly available when we had questions and was super amazing with providing support where he could! We are so grateful to have worked with him on this! Thank you Jake! You made this process so easy and we couldn’t be more grateful!
Ashley F
May 16, 2024
Communication was very timely and precise on what was needed and when it was required by. Each step of the process was effectively communicated. Questions were answered in a timely manner.
David M
May 15, 2024
Jake and his team have unmatched communication, competency and business expertise. I found myself in a bind to get funded from a previous lender and he picked the process right up and took off and had me closed me in 8 days.
Lane G
May 15, 2024
Jake is great!
Paige E
May 13, 2024
Jake was there to answer every question that we had.
Thomas H
May 13, 2024
The communication. There was never a question that we had that went unanswered.
Tara H
May 06, 2024
Jake and his team were amazing!
Shelbi S
May 03, 2024
Great customer service!
Katelyn P
May 01, 2024
Answered all my questions and sent me all the documents I needed easily
Christina C
May 01, 2024
I was very impressed
Jon P
Apr 26, 2024
Working for my benefit
Joel J
Apr 23, 2024
Jake was so friendly and helpful. He always made himself available to answer questions, and made our first time home buying experience a breeze! Thanks again!
Ashley B
Apr 17, 2024
Jake and his team were so pleasant to work with. They worked diligently to get any issues resolved. We are so appreciative of Jake and his team.
Brooke H
Apr 17, 2024
Jake and his team took over my mortgage application from another lender and solved all the problems that came up. They even made the original closing date which was only 3 weeks away! The communication was great even when I had questions or problems after hours! I have definitely been recommending Jake and his team to others for when they get ready to look for a house. 10 star team!
Stephen H
Apr 16, 2024
Jake and the team helped and guided me throughout the whole process. I am very fortunate to have had them working with me and having everything run smooth.
Isabel P
Apr 05, 2024
ALWAYS communicating and being available to answer questions!
Julie R
Apr 02, 2024
Great in communicating and explaining vital things.
Jergie A
Apr 01, 2024
Are you kidding, my have experienced one home loan in my life - my parent's loan. The process was cold, dark, and felt like they didn't even want to help my parents. Jake made me feel important and as he understood my value financially, then threw that away and treated me like a friend! Your company will have my families business whenever you are an option. Also, thank my realtor for the suggestion of using you guys when I was sick of Chase!
Michael S
Mar 29, 2024
Jake and the Verity staff were great to work with.
Curtis L
Mar 26, 2024
Jake and his team ran the loan application process smoothly and in a timely manner. They communicated with me promptly when I had questions, explained clearly the steps involved with the process and what to anticipate next. My realtor reported that Jake was great to work with on her end also. Just a first rate experience from start to finish!
Dawn G
Mar 25, 2024
Jake’s knowledge, communication, and professionalism is not matched by anyone else!
William D
Mar 16, 2024
Jake made the process super easy!
Katelyn R
Mar 09, 2024
Will to help anyway you can
Amanda D
Mar 06, 2024
Jake stayed in touch every step of the way
Jonathan D
Mar 01, 2024
Answered all of my questions and made the process super easy.
Scott D
Feb 29, 2024
Jake made the whole process go very smoothly!
Lonette W
Feb 25, 2024
Wonderful communication, easy all the way around and Jake truly makes you feel like a friend!
Samantha G
Feb 17, 2024
Everything was quick, correct, and overall a fantastic experience.
Dillon D
Feb 17, 2024
Jake was great in every way.His guidance and care was outstanding.The best hands down
Roshaud W
Feb 13, 2024
Jake and his team have always been great with communicating every step of the way (second time using them), answering any questions we have and even speaking with us after business hours!
Their professionalism, respect and care for their customers is second to none!
Trey B
Feb 11, 2024
Jake was excellent in communicating with us and excellent at working through unexpected hurdles
Christopher S
Feb 03, 2024
Jake is a great guy! He exceeded my expectation with everything. Made my first time home buying experience a breeze.
Jarrod G
Jan 31, 2024
Jake is great at answering any questions. He will call or text you and explain things to you. Really appreciated doing business with him.
Garry C
Jan 28, 2024
Jake went above and beyond with everything.
Hayley T
Jan 27, 2024
Wonderful to work with and very easy process.
Davis J
Jan 27, 2024
Great Service and I will highly recommend.
Michael T
Jan 26, 2024
He was nice and helpful and made the process as easy as it could be.
Bonnie D
Jan 25, 2024
Jake and his team there wonderful
Oland V
Jan 24, 2024
Jake was incredible very helpful, went above and beyond! Great at communicating and always willing to explain things to me I didn’t fully understand! I’m beyond grateful for Jake and his company!
Emily R
Jan 23, 2024
The entire experience was great. I will 100% use Jake again and refer others to him.
Sarah D
Jan 23, 2024
Great communication
Dylan J
Jan 21, 2024
Very easy to work with and explained what they needed. Highly recommended
Joseph H
Jan 17, 2024
He made the home buying process so easy
Isabella H
Jan 13, 2024
The open communication and honesty through out the process was amazing!
Mathew H
Jan 13, 2024
Jake was very easy to talk to and helped walk us through every step of the way.
Christopher M
Dec 10, 2023
Jake communicated great and explained in detail everything that he was doing. I would recommend Jake to everyone!
Caleighanna M
Dec 05, 2023
Pleasure to work with.
Stacey W
Nov 26, 2023
Great communication and response with any questions we had. Jake was very patient and explained everything to our satisfaction.
Olivia R
Nov 14, 2023
Jake and his team was always prepared and answered ever question along the way.
Jonathan G
Nov 06, 2023
Jake made it so easy and quick. He worked miracles on my daughter’s first house. We had to have him help us on ours. He is very professional and passionate at the job he does. You can tell he cares and wants people to get their dream home.
Shelly S
Oct 27, 2023
The personal touch of Jake getting involved and explaining over the phone the process.
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Eric W
Oct 24, 2023
Everything we needed to have explained to us was explained in a way we could understand it. Jake made our home buying experience that much easier! Would recommend him to anyone!
Clayton R
Oct 18, 2023
Jake and his team are the best to work with. Jake kept me updated during the whole process and answered any questions I had. They made the home buying process seamless. I highly recommend Jake to anyone looking to purchase a home!
Hunter B
Oct 10, 2023
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.