Everything ws nice and smooth
Waldine S Jul 07, 2022
Everything you do for us is very very good thank you for your helping us for the house
Marc D Jul 05, 2022
Easy application and answered all questions and
Lal D Jun 13, 2022
I appreciate you taking time to explain things to me and always going the extra mile through this process.
Brittney S Jun 01, 2022
proficiency, proficiently, kind and helpful
Ghada T May 05, 2022
Very efficient, professional and willing to help in every way possible!
Sharilyn S Mar 30, 2022
I have excellent service from you we you wok with my loan thank you so much ❤️
Maria A Mar 27, 2022
Very easy to communicate and able to help.
Lindsey O Mar 26, 2022
Excellent to work with great communication.
Clinton H Mar 21, 2022
Always had open lines of communication and would explain things I had questions over with no hesitation.
David N Mar 14, 2022
She was very helpful for us. We really appreciate what she had done for us. Thank you so much
Saleeb F Mar 11, 2022
The communication in different ways. Emails, text, calls and trough the realtor, to make sure that I was informed with all the steps. Flexibility and answer any questions in time.
Find the best ways for my benefits and give me advices.
Oskarina F Feb 16, 2022
A perfect transaction. Vicki was great.
David H Feb 11, 2022
She explained every step of the process as we went through it.
Rebecca H Feb 11, 2022
Vicki helped us with any of our questions or concerns! She was awesome
Robert K Jan 19, 2022
Vicki is an amazing person who will do whatever it takes to reach the goal. She made my mortgage experience quick and smooth.
Michael M Jan 08, 2022
Vicki made everything easy and clear.
David S Jan 04, 2022
Vicki just has a way of taking all the stress away
Deborah M Dec 19, 2021
Vicki was extremely patient, she knows her stuff and she did not pressure us at all to pick a house. She took us out to see homes multiple times and was pleasant all times. She was doing more than trying to make a sale, SHE WAS FINDING US OUR FOREVER HOME! She will let you know if she sees problems with the house, and she calls our Amy problems she sees. She does not take advantage of the customer at all! My first time through the process was a complete nightmare, with Vicki, the stress was minimal, and that stress was just part of the process! She is a great communicator! She means business! Anyone is lucky to work with her! She made our expo perítense the best ever!
Sonia R Dec 15, 2021
Ease, and promptness of the process
Steven W Dec 03, 2021
Vicki was available to answer questions, calm nerves, and had great insight.
Margaret S Oct 20, 2021
Dealing with a local company and local person. This was our second
finance deal with Vicki and when it is time for our third it will be with
Vicki Poteet. Thanks again. Bill Daniel
Billy D Oct 20, 2021
She is awesome
Nawal M Oct 15, 2021
She is awesome and I’m recommend for all my friends she is really helping A lot
Basem S Oct 12, 2021
Sincerity in working and order
Ashraf T Oct 07, 2021
Every thing was great from A to Z.
Eman A Oct 04, 2021
It was a smooth transaction because the service is very accommodating.
Hany M Sep 30, 2021
Bruce F Sep 29, 2021
exceeded my expectations which are very high!!
Thomas E Sep 28, 2021
Competence, hospitality, efficiency, treated with dignity, closing in our home
Becka E Sep 28, 2021
easy to work with
David B Sep 27, 2021
Vicki was great at communicating all the options and helping us decide which was best for us.
Cole S Aug 27, 2021
Vicki was personable, helpful, informative and responsive throughout the mortgage process.
Genina M Aug 07, 2021
Everything with her was accurate and speed
At the same time.
She never gave me hard time she was very nice and she know what she doing
Thank you Vicki poteet
Ellber G Jul 20, 2021
Vicki was attentive and answered every tedious question I had as a first time home buyer. She helped me through the entire process and I feel confident in purchase. She was always available to talk and put a lot of time into helping me. I really appreciate all that she did for me.
Catherine M Jul 20, 2021
Thank you so much. It was a pleasure working with you.
Hamzeh E Jul 04, 2021
This was my second loan process with Vicki and as usual it was very great to work with her. My loan process was as hassle-free as it gets because of her professionalism and the diligence of her staff. Always polite, energetic and fun to work with!
Kevin G Jun 16, 2021
Vicki Poteet is the very best loan officer I have ever worked with. She is more than very helpful and wonderful with my clients. I always recommend Vicki to all my clients
Raymond S Jun 14, 2021
I like it, When I want see house any time she can show , loan process is quickly and interest rate is better than other , any way I like business with she.
Win O May 25, 2021
It was great to work with a professional team of " getting it done" experts
Zulma N May 07, 2021
Very much support from Natalie And Vicki, quick process as well!
Jacob R May 07, 2021
As first time homebuyers we were nervous until Vicki came along She made this explains a lot easier and explain everything to us the way should be
Nancy T May 04, 2021
Getting back with our questions was great. :)
Lawrence D May 02, 2021
Vicki Poteet made our house buying process flawless. Vicki is such an amazing help and she knows her stuff! She never made us feel like we were bugging her. We always felt like her top priority and we know she has other clients. Vicki is very professional and I would recommend her to anyone looking to get a loan and buy a house.
David K Apr 27, 2021
The process went very smooth and great communication.
James M Mar 31, 2021
Vicki is hands down the best. The G.O.A.T. The Michael Jordan of buying a house. After working with her I will never recommend anyone besides her for the rest of my life.
James T Mar 18, 2021
Vicki is the best loan officer I have ever worked with. She is very prompt and pleasant with the clients. She responds to my calls immediately. Can't ask for more
Raymond S Mar 09, 2021
Brendan B Mar 02, 2021
Vicki was personable and explained things well! I will recommend her to anyone that wants to refinance. She always seemed upbeat! It was a quick refinance!
Michael D Feb 22, 2021
Communication was awesome. We really appreciated being kept in the loop on everything.
Sarah S Feb 12, 2021
Customer service is Job #1 with Vicki. We waited over 6 months and never could get a closing date with a big bank. The first date of Contact with Vicki to the closing table barely took 30 days. Awesome!
Robert S Feb 12, 2021
The service is fast and wonderful
Margaret G Feb 08, 2021
Very lucky to have you around, not first or second time, and it will not be last time, really appreciate all what you did for me
Michael A Jan 23, 2021
She is the BEST!!!
David W Jan 01, 2021
It was an easy.It was a great experience to work with people who care about me.
Sameh Y Dec 21, 2020
I was turned down previously 2 times by 2 different lenders, you were the only one that could help me. I would be happy to recommend you to others.
Michael F Dec 12, 2020
Thank you for everything, God bless you and you team work .
Shenouda F Dec 10, 2020
Vicki is such a pleasure to work with, She's always very informative and helpful and goes the extra mile to make sure everyone is informed.
Raymond S Dec 07, 2020
Very impressive knowledgeable staff !! Great communication & quick to close!
Lori T Dec 05, 2020
It’s very good and easy contact
Very honest information
Thank you very much
Nader S Dec 01, 2020
Vicki was great to deal with
Ronald F Nov 22, 2020
Martina K Nov 19, 2020
Great service, start to finish!
Steve F Nov 10, 2020
I would definitely recommend Vicki to anyone. She took time to explain all the things we did not understand. She always gave quick responses to emails/messages and she is extremely knowledgeable in her field.
Courtney L Nov 07, 2020
She was fast, worked hard, very polite, made me and my wife feel as if we were the most important people in her area at that time
Dustin L Nov 07, 2020
Vicki had great communication and went above and beyond to facilitate our needs for an expedited closing.
Donald C Nov 06, 2020
Vicki Poteet was very courteous and efficient. She was proficient in explaining the mortgage process and the details to the customer.
Gregory K Nov 03, 2020
Vicki made my home buying experience quick and easy. She was always available for all my questions and put my first time home buying jitters to rest. I will personally always do business with her as well as recommend her to my friends and family. Thanks again Vicki!
Mercede H Nov 03, 2020
Vicky did an excellent job!
David H Oct 23, 2020
Vicki is a very enthusiastic person who will help you one hundred percent to achieve the goal you have set out to accomplish. She is wonderful to work with and an all around professional!
David R Oct 19, 2020
Vicki is one of the most professional people I’ve dealt with and she was very pleasant and easy to talk to.
Ahmed A Oct 19, 2020
Vicki is the best. Communication is much better with her than most others, really makes transactions easier. I would recommend Vicki anytime.
Jason L Oct 15, 2020
Pleasant experience overall. Vicki was very patient.
Lori H Oct 07, 2020
Vicki is always professional, kind, and had extensive knowledge of mortgages and we appreciate her expertise.
Nathan H Oct 05, 2020
Every step well explained and easy communication!
Bryan P Oct 04, 2020
Responsive, professional, helpful.
Phyllis C Oct 02, 2020
Vicki is very professional and easy to work with. She made the whole process easy and quick. Thank you!
Christopher G Sep 28, 2020
It was a great experience
Thanks Vicki for your help
George A Sep 17, 2020
Vicki was on top of everything, always answered our questions and made us feel secure. Very friendly with no pressuring - even found way to save us money that we were unaware of. Vicki is the BEST!!
Carole W Sep 02, 2020
Actual Vicki is helpful, supportive all the time. She did a great job thanks again
Wael B Aug 28, 2020
Vicki is absolutely delightful and ready to go the extra mile with her clients, which also helps their respective realtors. 10/10 will work with Verity and Vicki again
Thomas K Jul 30, 2020
Vicki is always a pleasure to work with and goes above and beyond for everyone. I can't imagine allowing anyone else to help my buyers.
Raymond S Jul 27, 2020
The people helped me to find the house and you guys are very nice and good communication
Sherifia M Jul 23, 2020
She is very helpful thanks again 😊
Kariem G Jul 19, 2020
Dario D Jul 09, 2020
Great services from Vicky and Ghada , would do this again and again. 😃😃
Maher B Jul 09, 2020
They were fast, professional and knowledgeable. I loved the app also
Tamara M Jun 23, 2020
Everything was great
Philip K Jun 23, 2020
She was great to work with
Michael R Jun 06, 2020
Very professional and very good
Maged K Jun 01, 2020
What a professional organization from beginning to end! Thank you
Constance Q May 29, 2020
It was such a pleasure working with Vicki and Lauren! They were so helpful every step of the way and made the whole process easy to understand and hassle-free! Always reachable via email for questions, and very prompt with answers and getting all of my documents in order. I highly recommend this team!
Kyleigh L May 26, 2020
Vicki led me through every step of the way. Very knowledgeable and friendly! Great experience. Will recommend her to anyone looking to finance a home.
Judith S May 21, 2020
Vicki pays attention to the max with every little detail. I love working with her
Mario P May 15, 2020
Always very professional and friendly service.
William B May 14, 2020
Vicky is very helpful and hardworking and pays attention to others and feels for others she has a great personality and Made us feel comfortable in this new home
Sobhy A May 05, 2020
All the communication was perfect. They made it very easy throughout the whole process. For a first time home buyer, it was a great relief to have not stress about any of the finance process.
Christopher R May 01, 2020
Quick and easy process, helpful staff!
Brandon G Apr 24, 2020
Vicki took time to listen to questions an provided clear answers.
Roger B Apr 20, 2020
We have always enjoyed working with Vicki when buying and selling!
Emilea R Apr 17, 2020
Incredible experience. Always gets the best possible deal for the clients.
Christopher P Apr 10, 2020
Locked and loaded. Vicki is great!
Michael R Apr 09, 2020
Vicki is Awesome!
Mark A Apr 07, 2020
great and thank you very much
Samia A Apr 02, 2020
Vicki is GREAT! Helped me all the way through the process. Answered any and all questions I had.
Tiel E Mar 30, 2020
Vicki is the best loan officer I have ever worked with. I highly recommend her.
Raymond S Mar 29, 2020
I Can’t ask for better..
You are the best from the best..
I greatly appreciate all the nice kind job that you did ..
Muhannad E Feb 17, 2020
Vicki is a successful manager,she give to the customer enough advice's,in addition to that she is very cooperative with her guest.
Ali A Feb 15, 2020
Vicki and Lauren are amazing.
John S Feb 14, 2020
Vicki was always available to answer any question I had and made the entire process so easy !!!
Robert A Jan 30, 2020
Vicky is always there when needed and looks out for her clients
David W Dec 15, 2019
Vicki was great, she always got back with me in a timely manner, anytime I had questions she answered them and help me understand more.
Harlie B Dec 09, 2019
Ecerythning is great.
Lin A Dec 05, 2019
Vicki is very professional and we appreciate her expertise and ability and willingness to work hard and go the extra mile to get us the best rate and financing available. She is committed to her customers/clients. She provides top-notch service to help them get the more cost effective deal possible. She always exceeds my expectations.
Nathan H Dec 05, 2019
Vicki is always there when I need her. She is very responsive to me and my customers! I trust Vicki and tell all of my customers about her! She does whatever it takes to get the deal done!
Connie J Dec 02, 2019
Vickie Poteet is the best LO I have ever worked with. She is very detailed and professional.
Raymond S Nov 29, 2019
Ali A Nov 25, 2019
John H Nov 18, 2019
They know what they doing
Marian I Nov 11, 2019
Vickie, was great in communicating what needed to be done. She was amazing in keeping time frames needed to close the transaction. Went above and beyond to help my client to get the kind of loan that she can get. We will for sure continue.
Ghada B Oct 25, 2019
So lucky to have Vicki helping me
Michael A Oct 09, 2019
Excellent care done and very professional way
Emad G Sep 30, 2019
Hany K Sep 30, 2019
Prompt responses. Keeping me updated. Putting up with my emotional texting. Encouraging attitude. Most of all, the lender I previously was working with was requesting enormous amounts of money ($20000) to get me into a home but, Vicki and her team got it done in less time and for less money. I am grateful and will definitely refer her to potential clients.
Johnny T Sep 23, 2019
Joshua A Sep 15, 2019
Everything got done on time!
Leslie R Sep 06, 2019
Sherif I Sep 06, 2019
Everyone was very professional and friendly.
Jean M Sep 01, 2019
Everyone was knowledgeable and helpful and also friendly
James M Sep 01, 2019
Vicki is hands-down the best out there! She is prompt, always advocating for her clients and most of all A woman of her word. I have recommended her to several of my friends and family and will always recommend her to anybody.
Kristen S Aug 29, 2019
Vicki was professional yet down to earth making communication easy and the home buying process simple. Her staff was also very helpful any time I visited the office. I would highly recommend using her to purchase your next home.
Kevin G Aug 26, 2019
Vicki is very knowledgeable regarding home mortgages. She is very diligent and efficient throughout the loan process. I highly recommend her if you are looking to buy a home.
Gregory H Aug 07, 2019
Vicki was always available if and when I had questions. I stopped at her office multiple times to review documents or drop off documents and she was always pleasant and willing to spend time with me to help me through the process. She went above and beyond resolving an issue with my file and I greatly appreciated her dedication and expertise.
Larry E Jul 16, 2019
Thank you so much
Ali A Jul 03, 2019
Vicki is a problem solver and her kind personality always put the client at easy! I would highly recommend her to my clients, customers and colleagues! She's the best!
Connie J Jun 26, 2019
Basem S Jun 26, 2019
First time homebuyer, helped simplify and explain everything. Vicki always made herself available and worked around my schedule!
Megan W Jun 02, 2019
She is phenomenal at what she does. The best problem solver I’ve worked with. Communicates quickly and extremely knowledgeable
Christopher M May 30, 2019
I had an excellent experience with the company. Thank you Vicki.
Janet and Samir
Samir A May 03, 2019
Vicki was very quick with response time and made my first time home buying process super easy!
Cara S Apr 01, 2019
She is very respectful to everyone she’s also super helpful and is great at her job and I like interacting with her.
Naglaa S Mar 22, 2019
You aren’t so awesome hope to make more business soon with you
Also you are so smart
Thanks for everything don’t forget my gift
For example apple AirPod or Apple Watch
Any way thanks so much I appreciate your business
Boles Gendy& Naglaa saweres
Boles G Mar 19, 2019
Mohammed J Feb 04, 2019
She always responds us immediately and with professional and kind manners
Rita K Dec 23, 2018
She is dealing with a wonderful and professional manner,, making the process so easy and smooth
Emad G Dec 20, 2018
I was lucky to have someone like helping me, really appreciate your help
Michael A Dec 12, 2018
Vicki is professional, knowledgeable and very friendly. I received phone calls and correspondence from her regularly throughout our process. I couldn't have asked for a better person to work with. She will definitely be recommended by me.
Stacey R Dec 11, 2018
the service we received. Little details that notice, and that makes feel good about not only making the purchase, but making friendly.
Rafik H Dec 10, 2018
Just how informative & helpful Vicki has been throughout the whole process. She's also very sweet & seems to know what she is talking about!
Renata G Dec 04, 2018
She knew what she was doing and got the job done!
Dustin D Nov 30, 2018
Our first choice of a home fell through (when we were on a deadline), but Vicki worked some magic and closed on another home in under 10 days for us.
Kuyler B Nov 29, 2018
Vicki is very cooperative and helpful with the costumer,in addition to her great advises and experience to her costumer
Ali J Nov 20, 2018
Vicki was awesome! She was so patient with me and I asked A LOT of questions. :) Will definitely refer my family/friends to her. Thanks Vicki!!
West M Oct 01, 2018
Vicki and her staff treated me as if I were family!! Not only did they provide excellent customer support and satisfaction but they were with me both professionally and personally from the very beginning of my home buying experience. They made me feel really comfortable and confident in what we were trying to get done.
Neville L Sep 10, 2018
Keep up-to-date and fast updates. Reply to the means of communication quickly.
Mousa A Aug 23, 2018
We have worked with Vicki for many years. ALWAYS very knowledgeable and when you call she’s there!
Butcher W Aug 13, 2018
Vickie made the whole process easy anything we didn't understand she explained it and helped us through the whole process
Sizemore R Aug 01, 2018
Great customer service, always returned my calls and emails on time, Vicki Was at the time of home closing. Vicki is very professional in the Real state/Loan world.
Ponce M Jul 30, 2018
Great experience. Very professional.
Douglass S Jul 19, 2018
She was very informative on the refinance of our home. If there was any changes or updates to be made she would communicate via phone, email or text. I would not hesitate at all to recommend her to my family and friends
Thanks so much for taking such great care of us through this process:)
Fish J Jul 11, 2018
I was in need of a home rather quickly. As luck would have it I found Vicki Poteet. I was very lucky to find her. She worked diligently to meet my needs. She understood my price range and didn't try to sell me a home that I could not afford. Her availability to me initially caught me by surprise, so much so that i had to move past feelings of guilt. In the end she put me in the perfect home at a great price. Surely this type of service is not the norm for a Realtor.
Cox M Jul 01, 2018
Great job. Thanks .
Ibrahim W Jun 22, 2018
She was available anytime I needed!! She answered any questions I had and made the whole process easy and smooth !! She went above and beyond !!
Robert A Jun 16, 2018
good communication, most of all a pleasant helpful attitude. A pleasure to work with.
Reed J Jun 16, 2018
She is truly professional and sweetest personality . I am so grateful having her assist for my refinance while I’ve had rough time of my family ‘s issues. Whoever approaches her will agree with me how hardworking she does and how beautiful she is !
Tran S May 14, 2018
Vicki was such a positive person to work with. The process went smoothly and in a very timely fashion. Vicki was always pleasant to talk with.
Mack D May 02, 2018
Ms Vicki and her coworkers made our mortgage loan process smooth, easy and convenient. I would highly recommend her to anyone.
Bashir J May 01, 2018
Khlel S Apr 27, 2018
Vicki, is an exceptional person. She gave 150 % to 200 % of her knowledge, support , and time. I have never had the pleasure of working with such an upbeat, Encouraging and had my back each step from beginning to the end. I am telling everyone about this one of kind realtor. I feel she treated more like a friend not just a client.
Wessel A Apr 19, 2018
Vicki was amazing. She was always available for any questions we had. She kept us updated on any changes.
Dowden R Apr 19, 2018
Vicki was very helpful and took the time to answer all of our questions, our overall home buying experience was wonderful!
Ridener E Mar 26, 2018
She was great and handed everything and made the whole transaction extremely easy!
Freeman A Jan 20, 2018
Reliable, great communication, overall perfect service!
Gill B Jan 13, 2018
Very patient and extremely helpful.
Clouse M Jan 01, 2018
Vicki is great to work with. Very knowledgeable and provided us with valuable advice throughout the entire process. Always courteous, professional and timely. I would recommend Vicki to anyone looking for a mortgage loan. Thanks, Vicki!
David C Oct 05, 2017
As a first time home buyer the process can be very overwhelming. Vicki was always available if you had questions and worked extremely efficiently to meet your needs. Would highly recommend her to family and friends.
Reinhard L Oct 01, 2017
Vicki was awesome through the entire process. She really made the process painless. If you are searching for home finance see Vicki.
John S Sep 12, 2017
She did help me out for finishing my paper work so fast and easy, she's explained everything to me about all points very well
Ehap S Sep 03, 2017
Vicki was very helpful just a all around a great person we would definitely use her again
Nathan H Aug 18, 2017
The communication was excellent and I was able to get everything that I needed or wanted
Andrew S Aug 17, 2017
She helped a lot through the process and was impressed she did so well working with me even with how unorganized i am haha i will recommend to anyone looking to buy a house :) thank u Vicki
Derek W Aug 14, 2017
Business was excellent and I was comfortable working together.
Sameh B Aug 05, 2017
Vicki was professional, responsive and excellent to work with! Thank you!
Emily D Aug 04, 2017
Great experience everything was done a quick and efficient amount of time
Anthony D Jul 25, 2017
Vicki kept in touch and answered all questions and gave info regularly.
Jean M Jun 23, 2017
I was scared at first being a first time home buyer but Vicki and Lauren made things very simple and easy. The wonderful ladies took their time with me and went over and beyond my expectations on explaining everything. They were there for any and every question I had. I highly recommend this company as so much that I've already passed the word on how great they were to a few future home buyers. I feel at ease now that I'm in my home as quickly as they made it possible. These ladies rock!!!
Justin S Jun 07, 2017
Vicki did an amazing job! She was able to get me approved for the home I wanted when another lender could not. The whole process was smooth and easy. I will definitely recommend her to anyone who is looking to purchase a home.
Sarah K Jun 06, 2017
We were beyond pleased with our experience with Vicki! She was not only pleasant and friendly, but was extremely helpful throughout the entire process. We are so grateful.
Jhared S May 20, 2017
Vicki was great to work with throughout the whole Loan process. She was always looking out for our needs as we sorted through all the paper work for the Mortgage company to help get us approved quickly.
Don & Sherry Lambert
Donald L May 19, 2017
Yaser A May 19, 2017
Vicki's hard work, dedication and commitment towards excellence is unsurpassed. She went above and up beyond all our expectations. Will definitely refer Vicki to our friends family and acquaintances
Sandra G May 18, 2017
Vicki makes you feel comfortable during a process that at times can be very stressful. She is thorough in making sure that the criteria you have specified is met in any property she shows you. If there are any issues with a property she is the first to notice and bring to your attention so that you are more knowledgeable about what may need to be done to rectify the issue. All in all Vicki is very knowledgeable and her personality makes it feel like you are dealing with long time friend.
Michelle K May 17, 2017
Vicki is the best! Patient, knowledgeable, thorough. She gets it done!
Michael R May 17, 2017
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.