Robin was amazing to work with. She made the process extremely easy and painless. I was very nervous being a first time home buyer but she was reassuring during the whole process.
Sara Z Dec 07, 2021
Robin went out of her way every step of the way to make my difficult mortgage happen. She cares about her clients and she makes you feel like your just not a number. Great job Robin.
Charles W Dec 06, 2021
thank you so much for your loving and kindness
Hsar H Nov 30, 2021
Very fast and easily understandable responses. Made the process as stress free as possible and made sure I was kept in the loop with what was happening in the process.
Logan V Nov 29, 2021
Robin was amazing at communicating and explaining everything! The reassurance she gave me truly helped me in so many ways!
Sarah H Nov 13, 2021
The best Duo in the business.... Matt & Robin
Stanislav M Nov 01, 2021
Robin was amazingly awesome through this whole process and answered any questions I had in a timely manner. I am also ecstatic about the interest rate and total monthly payment I received through working with Robin!
Casey R Oct 24, 2021
Excellent communication quick response fast transactions very friendly
Lah P Oct 23, 2021
Made the entire process super easy from start to finish... Communication was excellent.
Derrick R Oct 21, 2021
Availability availability availability!!! Always willing to take calls and questions no matter the time of day.
Daniel D Oct 19, 2021
Everyting on the proces of the house
Juan A Oct 07, 2021
Robin gets great results.
David O Oct 04, 2021
The constant support and communication. Going the extra mile to get us our dream home. Thank you!!!
Amy P Sep 29, 2021
Buying a property like that was a desire a dream that comes true
Oscar M Sep 27, 2021
Thank you for the friendly service!!
Day K Aug 13, 2021
Make the whole process very easy and smooth
Christopher B Aug 11, 2021
Robin is such a great tool to have! She’s really good with my first time home buyers and she’s always great with communication. Couldn’t recommend her enough!
Hannah M Aug 10, 2021
Robin is Extremely patient. I appreciate her willingness to walk me through every step so that i completely understood the process. I am so grateful for her and her team.
Charity C Aug 03, 2021
Robin was great to work with! Very pleasant and made the experience great!
Randall P Jul 30, 2021
I felt like family when communicating with Robin. She seamed sincere in her conversations and returned phone calls promptly. She answered questions professionally and honestly. I feel she made the process as less painful as possible.
Melissa C Jul 29, 2021
They are very kind and explain everything what we need to know.
Tone T Jul 20, 2021
Robin and Dee were very patient with all of my questions!
Dawn B Jul 20, 2021
I am very happy
Kah N Jun 08, 2021
Robin was so kind and no matter the time of day or night was always there to answer my questions and help.
Melissa P Jun 07, 2021
Made the closing process a breeze and did everything to make the home buying experience pleasant.
Trevor G May 27, 2021
Everyone was great and easy to talk to. Straight and forward with what they needed. Very informative for first time homebuyers. Always willing to answer many of the questions you would have.
Christopher B May 13, 2021
Robin is very friendly and helpful.
Corey T May 10, 2021
Exceeded all expectations with prompt service.
Shody H May 01, 2021
You guys made the steps a easy process to go threw
Jerry M Apr 16, 2021
Very easy quick understanding directions on what to do.
William R Apr 05, 2021
Fast and understanding
Aaron T Apr 03, 2021
Robin was amazing she took every good care of me and my family
Jenna C Apr 01, 2021
We ran into some issues toward the end of getting the loan to underwriting and Robin and Deedee both worked there tails off to get what we needed and kept me in the loop the whole time.
Andrew G Mar 31, 2021
Robin and her team are very quick and effective. No hassle on our side and clear communication throughout the entire process!
David H Mar 28, 2021
The entire process was easy and questions were answered in a timely manner. Refinancing has never been so easy.
Derrick R Mar 12, 2021
Robin is the best. She is always there to answer your questions day or night. I will always use Robin for any of my housing financial needs.
Tiffany W Mar 12, 2021
She’s very patient and easy to communicate.
Eh H Mar 09, 2021
Robin is a very nice person and very helpful. She makes you feel really comfortable when talking to her. Really appreciated all her help and all her dedication to answering all my questions. Will be working with her in the future and will continue to recommend her!!!
Jesenia R Feb 06, 2021
Her knowledge and her prompt communication made this transition a great experience!
Lah V Feb 05, 2021
Robin is a kind and very helpful person.
Ei S Jan 22, 2021
Thank you for your help
Paw W Jan 22, 2021
Robin provided me with constant communication and follow up. She made me feel at ease when I had questions and concerns.
Anessa D Jan 03, 2021
2nd time working with Robin great experience both times
David P Jan 02, 2021
Robin was great to work with. She answered every question that my buyer’s and I had in a very timely manner. We were able to close with no delays.
Scott F Jan 02, 2021
Robin was amazing to work with! She literally pulled miracles and I couldn’t be more thankful for her hard work and her team!
Mallory M Dec 30, 2020
Robin went above and beyond to help get the loan we needed and closed really great person and really appreciate all of what she has done great job
Mike H Dec 17, 2020
Robin was so nice and understanding about everything with me. She was there when i needed her and extremely helpful. She treated me like a friend instead of a client and thats something you don’t get often anymore. Thank you so much for making this process as smooth as possible!
Margarita A Dec 03, 2020
The financing part of the process had a great outcome. I actually received a check back and Robin saved me every penny she could. Very happy.
Joshua C Nov 10, 2020
communication and speed of transaction
Shawn G Nov 03, 2020
Robin knew exactly what I was talking about whenever I had a question and was very helpful through the entire process. I’ve already recommended her and will continue going to her should I decide to sell my house or if I purchase another home. Thanks Robin!
Karen M Oct 28, 2020
Robin was awesome! Made the process quick & easy!
Jessica W Oct 27, 2020
Robin made it Easy and was great to work with!!!
Andrew W Oct 20, 2020
Great teamwork.... She always reach back to us when we needed something.
Mee T Oct 01, 2020
Communication was outstanding. Very speedy process and helpful with any questions or concerns.
Chad I Sep 28, 2020
Great communication . Very pleasant even though I was going crazy .
Malocka S Sep 21, 2020
Robin is a great person to work with. She is great about keeping you informed and up to date throughout the whole process. We will definitely recommend her to anyone that we know.
William D Sep 17, 2020
Every question I had Robin answered in a perfect timely manner. She is very dedicated in her work and clients.
Ashley B Sep 16, 2020
My experience was great I was constantly informed and kept in the loop. Robin is an amazing person someone who can understand what you’re going through you’re not just a number to her so that made it wonderful she understands these are your dreams coming true.I associate her patient some guidance when I felt lost at times so overall it was just a great experience
Tamara J Sep 16, 2020
Robin went above and beyond for us. So thankful we chose her to help with the purchase of our home.
William C Sep 15, 2020
All questions answered and prompt!
Roxann P Sep 14, 2020
Robin is easy to work with and ensures you are getting what is best for you and your family. Thank you for everything!
Jamie R Aug 14, 2020
Take extra care of our concerns.
Everything is excellent .
Aaron T Jul 25, 2020
Robin is very knowledgeable and professional she goes out of her way to help
William K Jul 22, 2020
Robin was more than willing to work around my third shift schedule to help me buy my home. She was nothing but pleasant at every bump in the road.
Thank you Robin!
Andrew H Jul 03, 2020
Robin and her team are very great services. They work hard and well communicate..We are very happy at the closing.
Ta S Jun 11, 2020
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.
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.
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
You don’t have to settle for a house that only has half of the items on your wish list. With renovation loan you can buy in the perfect neighborhood and then get all the items on your list without coming out of pocket. This loan allows you to combine the purchase price of the home and the cost of repairs and upgrades into a single mortgage. No second lien at a higher interest rate required. Other benefits include:
- Get a home in a great location below market price
- Getting a bargain on a home allows you to move to a higher priced area of town
- Get more bang for the buck with a larger home
- Opens up your search area
- Your home fits your taste and family requirements
A remodeling home loan allows you to make your current home into your home for the future. These types of loans allow you to roll the costs of the work you do into one new mortgage. No second lien required, most likely at a higher interest rate. Since this is a refinance, you can also capitalize on lower interest rates, move to a shorter loan term and possibly lower payments.
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.
This a decision you must make. Here is one way of looking at the question: If you can afford the payment and are comfortable with all the other terms, it makes sense to go ahead and firm it up IN WRITING. Do not be overly concerned if rates fall after you lock. If your objective is to purchase the property, you have eliminated one uncertainty. If you are refinancing, locking the rate guarantees that you will reduce your monthly payments or be able to obtain cash you need for home improvements or other worthwhile goals.
You can lock your rate at application, while your loan is being processed and approved, or any time shortly before closing.
Verity Mortgage offers lock periods up to six months on some loan programs.
PMI is required for conventional loans with a down payment of less than 20th of the value of the home. You can avoid paying PMI by making a down payment of 20 or more of the value of the property you want to buy.
PMI will be automatically terminated when the loan-to-value ration is scheduled to reach 78 assuming all payments are current. Borrowers can request cancellation of PMI when the loan reaches 78 assuming all payments are current. Borrowers can request cancellation of PMI when the loan reaches an 80 loan-to-value ratio, assuming the loan is current.
How do I know whether the house is in a flood zone, and if so, how can I determine my insurance premium?
Verity will order a flood certification before loan closing, as required by federal law. However, if you would like to find out if the property you are purchasing is in a flood zone, you can contact your insurance agent or check the local library for updated flood maps. FEMA determines flood risk by comparing your lowest floor level to flood levels from the past 100 years. FEMA bases flood insurance premiums on this information. You may need to get a slab elevation if you are unable to obtain this information from the seller or your local permit office
Annual Percentage Rate (APR) is a calculated interest rate that reflects the overall cost of a loan on an annual basis. APR includes interest payments, origination fees, discount points, and other specific costs of getting a loan and is, therefore, usually higher than the interest rate. APR can be useful for comparing different types of loans. However, while all lenders are required to calculate APR based on guidelines provided by the Truth in Lending Act, not all lenders include the same costs in the calculation. This can make it difficult to compare the APR for loan programs from different leaders.
Points, also known as “discount”, are funds paid at closing so that you can get a lower interest rate for the life of the loan. For example, you may be quoted a rate of 7.375 with 0 points or 7.000 with 1 point. One point is equal to 1 of the mortgage amount.
Closing costs are expenses paid, by both buyers and sellers, at the closing meeting. Closing costs include pre-paid taxes and insurance, discount points, origination fees, title insurance, and other fees that may apply to your loan.
Pre-paid items are hazard/homeowners insurance, taxes, and pre-paid interest. Most insurance is paid in advance, so you will be required to pay for your homeowner’s and flood (if required) insurance policy for the first year in advance. Also, the lender will require you to make a deposit of up to 2 months of payments in order to establish an escrow account.
Many loan programs require that the lender pay the taxes and insurance on behalf of the borrower. Your loan officer can determine if the option to pay taxes and insurance yourself is available on the loan program that is best for you.
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.
Types of Loans
Streamline 203K: This is for projects where total renovations do not exceed $35,000. It is more for minor changes like upgrading HVAC, paint, fixing or replacing roofs, patios, septic systems or remodeling a kitchen. It does not allow for structural changes like foundation work.
Full 203K: This for projects that need to be more expansive in nature and may go over $35,000 in total renovations. It can be used for all the repairs from a streamline, but you can also make structural changes and reconstruction, repair or replace plumbing or use it to improve energy conservation, safety or disabled accessibility.
This is a great option when buying a home that needs a little TLC or you want to make your current home into your forever home.
What can a Homestyle Renovation help with?
- In-ground pools
- Interior and exterior upgrades
- Kitchen or bathroom upgrade
Program Flexibility: Conventional loans allow for different terms and down payment. Meaning you can customize your down payment, whether you have a first and a second or if you want to do one loan with Mortgage Insurance.
Program Flexibility: Conventional loans allow for different terms and down payment. Meaning you can customize your down payment, whether you have a first and a second or if you want to do one loan with Mortgage Insurance.
Loan Limits: Conventional loans are capped at a maximum loan amount of $453,100 for single-family homes unless the property resides in a High-Cost Area of the United States.
Second Liens Permitted: Another difference between conventional loans and the other programs is the ability to add a second lien to assist with down payment requirements. This also is a good option when buying a higher price house and need to go above the maximum financing amount in a non-High-Cost Areas.
Loan Limits: Loan amounts starting at $548,250 or $822,375 for home loans in high-cost areas of the U.S and loan amounts to $3,000,000 and above
A VA home loan is a great benefit to military personnel during and after their service. Thank you for your service and sacrifice for our country.
No Down Payment: A VA home loan comes with 100% financing. Contact one of our home loan experts for more details.No Mortgage Insurance: Unlike USDA a VA home loan does not have monthly or annually mortgage insurance.
Certificate of Eligibility Required: In an effort to make sure we use your Veteran Benefits properly borrowers must obtain a Certificate of Eligibility . The VA Benefits portal will be able to help you find this information or contact us and we can assist you in getting the info.
Low Down Payment: FHA loans are great for first time home buyers or home buyers that are working with limited down payment. A down of 3.5% is all that is required and can be a gift from a relative.
Flexible Income Requirements: The original goal in 1934 for FHA loans was to make home ownership possible. One way the program does that is by allowing for more flexible income and credit guidelines.
Loan Limits: FHA does have different maximum loan sizes by area. To learn more click on here to see what the Loan Limits are in your city.
No Down Payment: The USDA loan comes with 100% financing. A down payment is not required which can be an obstacle to homeownership.
Low Monthly Mortgage Insurance: The upfront insurance rate on a USDA is generally lower than VA or FHA. It also has one of the lowest annual mortgage insurance fees. Other good news is the upfront fee can be rolled into the loan, eliminating an out of pocket expense at closing.
Only available in certain geographic areas: To get a USDA loan, the property you buy has to be in a USDA designated rural area, but that does not mean it is necessarily farmed land. Over 90% of the U.S. is eligible, which includes small town and suburbs. The USDA Mortgage Eligible Map will show you all the areas where you can use this loan.
Income Limits: The USDA loan was originally designed for low to moderate-income families. The guidelines for USDA define income level as being 115% of the area’s median income. This income amount if very different in different parts of the country and can be very different in certain areas of a state. Please contact one of our home loan experts to learn more.
- Fixed Rate and Adjustable Rate
- FHA, VA, and USDA Loans
- Jumbo and Conforming Loans
- Conventional Financing
- Renovation Loans
Special Programs for Non-traditional borrowers also available
100% YES! This one decision will make the home buyer process go much more smoothly. The pre-qualification process is simple:
- Gather your personal financial information such as bank statements, W-2 forms and paycheck stubs, and meet with your Loan Officer.
- We will pull your credit report and evaluate your financial documents. With this information, you and the loan officer are able to discuss the best home financing options that will help you achieve your financial and homeownership goals.
- Once you are prequalified, we will give you a prequalification letter to inform your real estate professional and the seller of the property that you’re a preferred and serious potential buyer. This will give more weight to any offer you extend on a property as well as allow you to relax and enjoy the process of looking for your new home.
- How long will you live in this home? Several years, or just a few?
- Do you anticipate your income or finances to significantlychange over the next few years? Do you anticipate significant changes to your income or finances over the next few years?
- Are you either comfortable or uncomfortable with an adjusting monthly mortgage payment? Have you considered an adjusting monthly mortgage payment?
- Do you plan to be out of mortgage debt by, for example, when your children start college or when you retire?
Based on your answers, your home loan expert can discuss different home loan programs that will suit you financially and help you reach life’s milestones.
An FHA loan, on the other hand, is guaranteed by the Federal Housing Administration. FHA is a government agency that works with approved lenders like us.
Typically, origination points are applied and disclosed at the time of locking in an interest rate. On the other hand, discount points can be added at the time of lock or later in the process if you choose to pay to reduce your interest rate.
Origination fees are the fees required to originate the loan. They can include processing fees, underwriting fees, administrative fees, and several others. One of our Loan Officer can give you a complete breakdown of these fees as they vary from state to state.