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 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 Dec 13, 2022
Samantha was great and easy to work with! She is very knowledgeable and had GREAT communication!
Kathryn G Dec 04, 2022
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
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
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 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.
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.