CHEER SQUAD
Samantha was a pleasure to work with. The whole team was
Nice and supportive.
Martha B
Aug 29, 2024
Samantha was there every step of the way for me. She went above and beyond to help me find and finance my home. She was available and responded to me throughout the process. Without her support and assistance I would have been lost in the world of mortgages, but she helped me understand each item and keeps me informed. I truly appreciate everything Samantha did for me.
Martine F
Aug 09, 2024
Communication and support/help throughout the whole process
Guillermo M
Jul 31, 2024
Samantha was very communicative and accommodating. She was always very pleasant to talk to and work with. She didn’t mind answering our questions and helped us understand the buying process with ease. Thank you, Samantha!!
Caley C
Jul 18, 2024
The clarity of the entire process along with friendly and easy communication
Robert C
Jul 15, 2024
Samantha was excellent during the whole process. Made things easy to understand and communicated perfectly.
I would NOT recommend Verity on the side of the underwriters. It was he** after it left Samantha’s hands.
Brooke H
Jul 07, 2024
She was very helpful all way through the process , Even after hours, she made me feel comfortable with any questions or Concerns .
Arthur M
Jun 22, 2024
Didn’t matter the day or time they found time to help
You with questions and information!
Justin C
May 29, 2024
Very informative and helpful!
Victoria A
May 12, 2024
You and Hailey have been very informative and good to us! We thank you for helping us you are awesome!
Angel A
May 08, 2024
From the very beginning to the end at signing, Samantha helped guide and advise us in the process. Her knowledge, professionalism and friendliness made everything seamless and easier than we could have imagined. Everyone was prompt to respond to any and all questions, offering information so we could make important and informed decisions especially when we were working from a different state. You never would have known we were so far away. Samantha helped make our dreams come true and the experience has been pleasure to work with Samantha and her team. We would definitely recommend Samantha and Verity in their journey to home ownership.
Kathleen H
Apr 20, 2024
Samantha was awesome. She was always available for me, answered all my questions and was very patient
Tina K
Apr 09, 2024
Fast and responsive. Great to work with and encouraging along the process. Im grateful for everything
Brandon S
Feb 15, 2024
Samantha worked with my fiancé and I, and she made the home buying process easier by staying in touch with us and explaining everything we had questions on. No matter the time she always made it known that she was here to help and we were free to contact her if we had any trouble.
Britany S
Feb 07, 2024
Well, I thought it was impossible to get my second house. But Samantha made it possible. She is very good at what she is exselect thank y
Barbara R
Feb 05, 2024
samantha always had an open line of communication
Will H
Jan 31, 2024
Samantha, all of her staff were a joy to work with. It was a very smooth experience.
Charles M
Jan 13, 2024
Great communication
Randall S
Nov 26, 2023
Always keeping me informed. Made some calls so I didnt have to.
Tammy F
Oct 10, 2023
We have used Sam a few times now and she is amazing!! She is always willing to go above and beyond to help us and answer any questions we may have. She makes purchasing a home a breeze, I would recommend her to anyone!!!
Ashlee O
Oct 03, 2023
Samantha Helms was amazing to work with!
Casey T
Oct 01, 2023
Samantha made the process of buying our first home a pleasant and wonderful experience. She explained every step of the process in detail, so we rarely had questions or concerns about what was happening. My family felt genuinely cared for by Samantha. This truly felt like a team effort and Samantha was our most valuable player. I cannot recommend working with Samantha highly enough.
Danielle B
Jul 01, 2023
Samantha and her team were great to work with straight from day one. She answered all my questions in a timely manner and even put up with my OCD and over exuberance. I can be a very hard person to deal with. Samantha was very patient and understanding. And all with a positive attitude. She is 1 in a Million.
Scott E
Jun 27, 2023
Samantha was very patient with us , she would answer any question we would have. For first time home buyers we felt lost but with Samantha on our side , everything felt so easy.
Tiffany N
Jun 25, 2023
Samantha went above and beyond for us, she made this whole process easy
Yaniza M
Jun 21, 2023
She was very helpful with everything
Ulices G
Apr 14, 2023
Sam was always willing to answer all my questions in terms I could easily understand. She always answered my calls and made me feel like I was her only client. I would 100% recommend her to anyone!
Calee F
Apr 03, 2023
Samantha was great to work with. She was so helpful and professional in every step along the way. She is absolutely an asset to your business.
Brandon K
Mar 28, 2023
The help we received
Colton M
Mar 23, 2023
The service we received and the fast closing
Kaden L
Mar 07, 2023
Samantha did everything in her power to make sure my daughter and I had a place to call home. The process didn’t take forever and the stress was little to non, which is rare for a home buyer. Thank you again Samantha!!
Kamri S
Mar 04, 2023
Sam was amazing!!!!! She went above and beyond on everything..
Katie K
Mar 01, 2023
Samantha was always available to answer our questions and made the process of buying our first home much easier!
Jodi O
Jan 31, 2023
Samantha was patience & very responsive when I had a question.
Lydia O
Jan 18, 2023
Samantha was intelligent and helped me completely. I was very happy that she helped me. Highly recommend.
Gary T
Jan 08, 2023
Had a really good experience with Samantha, she was very helpful and persistent, honestly made the process of buying our first home less stressful, would most definitely recommend to family and friends
Cesar J
Cesar J
Dec 13, 2022
Samantha was great, very helpful, as first time home buyers we had a lot questions and she was more than happy to answer them she had so much patience for us, she was amazing
Alejandra M
Alejandra M
Dec 13, 2022
Samantha was great and easy to work with! She is very knowledgeable and had GREAT communication!
Kathryn G
Dec 04, 2022
Great service
Ty P
Nov 22, 2022
Samantha was wonderful. Always stayed in contact with us and was always willing to answer any questions we had.
Kerrey P
Nov 03, 2022
Great experience
Jerrod B
Oct 31, 2022
They worked extra hard
Heather U
Oct 14, 2022
Very simple and streamlined.
Randall B
Oct 03, 2022
Samantha was a great support
Kay B
Sep 12, 2022
Samantha kept constant communication and was always prompt with answering any questions I had.
Trace F
Sep 07, 2022
Samantha was professional and friendly. She was able to answer my questions promptly.
Melisa B
Aug 07, 2022
Samantha was always on top of things and made sure we were, too! She was easy to talk to and always took the time to answer questions and explain things thoroughly. We are so grateful to have worked with her during the purchase of our new home!
Julie W
Aug 03, 2022
Small company with BIG service.
Daniel H
Jul 31, 2022
Sammtha was very patience and will explain every step of the way very well.!
Tanya L
Jul 28, 2022
Getting it done 😄
Joshua A
Jul 16, 2022
Fast responses to any and all questions. Super easy to work with and great communication with every process.
Carlos M
Jun 17, 2022
Samantha made the process extremely easy, and made sure to answer all of the questions I had for her as it is my first time buying a home
Colton M
Jun 11, 2022
Samantha was great to work with. She understood this was a stressful situation and handled it like a pro. She was quick in her response time and made it a very enjoyable experience. Thank you, Sam.
Matthew M
Jun 07, 2022
Samantha has been great. It was a pretty stressful process but she always answered our questions and helped with anything we needed.
Kristi S
Jun 05, 2022
Samantha was very attentive and made the process of buying my first house very easy.
Ivy N
May 31, 2022
From beginning to end, the process of getting pre-qualified to the closing day went very quick and painless. We couldn't be more happy with the service we were provided.
Jennifer W
May 27, 2022
Never owning a home before I was very nervous about the process but Sam went above and beyond to make everything go smoothly and meet the closing date.
Austin B
May 20, 2022
Samantha made everything easy and kept us right on track! We are so thankful for her!
Cydnie B
May 20, 2022
The people that helped me and everything was great
Angelica C
May 03, 2022
Sam was on top of everything. She communicated often, and let me know precisely what I needed to do. She made everything so easy. Her attitude is amazing!
Rebecca W
Apr 19, 2022
Samantha always took time to answer any questions I had and to explain the process. She always made herself available.
Jennifer B
Apr 07, 2022
Samantha made the whole process so easy and convenient. With excellent communication she made everything from the approval process to closing a breeze.
Tanner W
Mar 30, 2022
Hard work Samantha put in to this deal
Jorge D
Mar 14, 2022
Very good communication between us. Made getting our home feel easy and fast
Seika R
Mar 08, 2022
Samantha was amazing through our entire process of getting pre-approved to signing everything at closing. She was always ready to answer any of our questions and available any time we needed something. She had such efficient communication, keeping us in the loop at all times. She was also very accommodating when coming to our wants and needs. Another huge benefit of working with Samantha is that she was able to do almost everything online, with most of our documents either being emailed or sent through an app. It was an amazing experience and if we could do it all over again we would use Sam!
Summer F
Feb 20, 2022
Samantha went above and beyond! She sheets answered the phone. And was always there when I needed advice
Micah S
Feb 17, 2022
Samantha was a huge asset helping me with my mortgage loan. Anytime I had a question, I could ask her and she was quick to reply with an answer. Closing couldn’t have gone any smoother. I highly recommend Samantha based on my experience of buying a new home.
Joseph C
Feb 08, 2022
Sam went over and above helping us ,, even when she was very sick,there was alot we did not know how to do and she never got frustrated,, always happy to help! Thank You so much Sam!! :)
Louis David H
Feb 08, 2022
Samantha was very kind and was very understanding even when I was stressed and upset. Thank you Samantha for all your hard work.
Barbara W
Jan 04, 2022
Samantha provided excellent service throughout the process. She worked late hours and did everything she could to ensure that we were able to get a loan. She really went above and beyond and was there to answer every single question day or night!
Judy W
Dec 16, 2021
I enjoyed how easy it was to communicate and discuss our options and things that needed to be done with Samantha, she always kept us informed and any issue that came up and were easily able to resolve and get things done. I was also pleasantly surprised how it easy it was to review and sign all the document online, the process of buying a house has definingly changed since I bought my first house.
Stephen M
Dec 09, 2021
Samantha was easy to work with and was always available to answer any questions I had.
Preston W
Nov 29, 2021
Working with Samantha was great! She communicated with us every step of the way and made sure we knew what was going on. She was very helpful and knowledgeable and answered all our questions!
Britney M
Nov 29, 2021
Was extremely helpful, timely, and communicative. She was with us the entire way guiding us through the process and helping us with document collection and submission
Veronica G
Oct 10, 2021
Samantha is well trained, great with communication, and easy to talk to, she went above and beyond to help me between fixing my credit score to be approved for the loan to even bringing my wife and I a gift at the closing table.
Give Samantha a raise, she deserves every penny of it.
Nicholes R
Oct 07, 2021
Samantha answered my phone calls and questions. She was very informative through out the whole process. It was a pleasure working with her.
Kimberly B
Sep 16, 2021
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.
