Chris is the epitome of top notch customer service. He is very responsive and diligent to get the job done. I consider myself lucky to have had him as my loan officer.
Gabriel G Feb 13, 2024
Alvaro R Feb 05, 2024
Chris was great to work with and always made himself available to connect with me and answer my questions.
George R Dec 26, 2023
Chris was very good at explaining everything and making this process smooth.
Anthony N Jul 03, 2023
Chris made it simple and easy. He communicated well, and when issues arose he was able to quickly and effectively solve them. Great guy too!
Evan R May 09, 2023
Chris was in constant communication regarding my lender’s needs, then when I decided to work with him due to his behavior and offering, he supported me during the process to get a smooth closing in my new house.
Johan D Feb 12, 2023
Always in communication and through
Gabrielle B Jan 29, 2023
Chris was a great help, as first time home buyers he explained the process to us and was on hand whenever we had any questions. I would definitely recommend him!
Rajiv D Dec 22, 2022
Chris is always available to answer all questions at all time
Yusuf A Nov 15, 2022
Chris and the team over at Verity did a fantastic job of helping me through the borrowing process. They were able to lock me into a rate well in advance of closing and made the overall process a seamless one. I would highly recommend using Chris and his team to help you in the purchase of your home.
Erick L Jul 27, 2022
Giancarlo P Jun 24, 2022
The communication and swift response to queries/questions were top-notch. I would gladly recommend Chris to other potential buyers.
Adewale A Apr 04, 2022
Chris took care of every step of my loan process, explaining every detail of the loan to me.
Giordano R Mar 20, 2022
Chris has very great communication skills. Also he is quick with gathering information for his buyers and relaying information. We appreciate all the hard work and time put into us closing on our new home.
Sigmund C Mar 19, 2022
communication & great advice
Frank R Feb 20, 2022
Being a first time home buyer, everything was so overwhelming and confusing when running the numbers but Chris explained everything and walked me step by step and became very transparent! He was also quick to reply if I had any questions to get us moving and understanding, that’s what made it great!
Bachavan H Jan 20, 2022
Chris and his team were very helpful and on top of every step during the process.
Ana O Dec 17, 2021
Chris was very honest and transparent in his communication. He was also very knowledgeable about the various available products Verity had to offer. Chris exuberate a 'one team' mentality by stepping up to smoothen the shortcomings of his other colleague.
Yes, I will surely recommend him to any of my clients, friends, and family because I know he will have their interest at heart. (As proven!!)
Ibukunoluwa A Nov 16, 2021
The all process was great and you make it looks easy to buy a house
Angel V Oct 15, 2021
Great communication with timely follow up
Sarah P Oct 10, 2021
Very responsive and assisted in closing quickly
Andrew P Oct 07, 2021
We had a lot of time to get everything done and Chris made sure to stay on top of everything and not wait until the last minute. He was alwasy available when we called!
Daniela S Aug 27, 2021
Chris help us out from beginning to end and guided us on the right track to get us approved and closed
Luis A Aug 27, 2021
Chris was very very pleasant to work with and very knowledgeable and got us everything in a timely manner. Her really keep us current on the market.
Tongela C Aug 13, 2021
Chris was readily available and prompt on providing the necessary information when it was needed. Can't go wrong with using Chris.
Darren U Aug 07, 2021
Chris provided timely updates and prompt responses to any questions. I look forward to working with him again.
Jamia S Aug 04, 2021
Moving is extremely stressful, but Chris always went above & beyond to ensure the process went smoothly for us. Thank you!
Ryan P Jul 05, 2021
Chris was amazing. He helped make an otherwise arduous process easy and enjoyable! Thanks, Chris!
Amy P Jul 05, 2021
Chris was very pleasant to work with. He was proactive in every way, quickly responded to any questions that arose, and very accommodating to exploring all various options that I was considering. The entire process of getting the loan approved and then promptly getting underwriting in place made our closing go very smoothly and quickly. I would recommend Chris to anyone needing a lending agent......Thank you Chris!
John B Jun 08, 2021
Christopher did Excellent work. He was always in contact with me in regards to the loan status and he offered me the best options available. Also, the process was pretty smooth at all times.
Thank you, Chris.
Jesus F Jun 08, 2021
The entire process was quick and easy. Documents were asked for only once and never “lost” as in other companies. We got a complete list of documents needed from the beginning so it was easy to gather all information at once. Being able to DocuSign was the icing on the cake. Chris was always available for any questions we might have even on weekends and responded quickly with answers.. Thank you Chris!
Susan B Jun 08, 2021
It is a great pleasure to work with Chris. As a realtor it i important to have a reliable lender, and his communication skills and knowledge are key to making my clients feel more comfortable with their decisions. I will continue to send business his way every chance I get. Thank you again Chris for everything you do for my clients and I.
Robert Z Jun 07, 2021
Artemio N May 20, 2021
I had the great privilege of working with Chris. He was extremely patient answering all of my questions, and you can imagine all of the questions I had for him being a first time homeowner. He took the time (multiple times) explaining the rate process, and helped me get the best possible rate. There were no surprises at closing. I am very happy with Verity and Chris. I would definitely recommend to anyone from a first time home buyer to someone looking to refinance. He went above and beyond.
Lindsay D May 11, 2021
Very helpful and informative.. thanks for answering all our questions and making the experience easier.
Rosa R May 08, 2021
Good communication during the whole process.
Emmanuel C May 08, 2021
Chris is a great lender to work with. He has always made himself available to answer any questions that come up along the way. I will continue to do business with him.
Sharon P May 07, 2021
Mr Chris Haliburton was very professional and very knowledgeable and easy to talk to when I asked him questions concerning how the process of purchasing a home goes. To sum up in one word, Mr Haliburton was just “ outstanding”. I would definitely refer him to others. I would give Mr. Haliburton a 10 in rating
Gladys H Apr 28, 2021
Chris responses to text and email very quickly and explains the mortgage nicely.
Keiko M Apr 04, 2021
You can tell Chris is passionate about his job and his clients! He took time to make sure I understood the loan process and what options were best for me. He and Haley were very thorough and detailed and provided timely responses to my questions. I was very pleased with the exceptional service I received.
Kelly S Mar 14, 2021
Great customer service
Ricardo S Mar 13, 2021
Robert C Mar 12, 2021
Chris was very pleasant to work with. He made my loan process less stressful & easy to get through
Amy G Mar 11, 2021
He was the best! Super attentive and answered all my lending questions and any other house questions that I had! I would highly recommend. He was awesome!!
Marisa G Mar 10, 2021
His availability no matter the time of day or of the week. His open communication and transparency as well as the friendliness through it all. A great experience overall.
Ciro D Feb 10, 2021
Smooth operation overall. Would greatly recommend.
Diego M Feb 01, 2021
Chris was wonderful! Made everything super easy!
Taylor S Jan 18, 2021
Overall, you provided excellent service. Thank you, Chris!
Ted D Jan 02, 2021
The whole experience was impressive, exceptional time management and superior communication through out the process.
I would recommend to family and friends.
Nicole H Jan 01, 2021
Chris was very clear and the process was extremely smooth. No unexpected surprises and he was available to answer questions extremely timely.
Andrew R Dec 21, 2020
Chris is an outstanding person to work with. He maintained the communication with us regularly. He is very professional, and I would work with him again. I would definitely refer him to all my friends and family. Best lender I have work with so far!
Luis R Dec 17, 2020
Ease and timely communication, and very helpful and friendly.
Roxanne T Dec 01, 2020
Fantastic customer service ... I will be moving all my business with Chris!
Bernardo F Nov 03, 2020
Chris have guided and help me thru the end of the processing of my financing without hesitation ,willing to support and explain all the details of my paperworks.
Without any doubt I would refer anybody who wants to do business with Chris and your company because he is a very efficient and knowledgeable person about his job that is very satisfactory. He is a man with full of integrity and honest to do the job at your earliest convenience Thank you Chris and your company for the support..
Leonardo B Oct 24, 2020
Chris went above and beyond to be available for me.
Alexis F Oct 23, 2020
Chris was absolutely amazing! Prompt communication is exactly what I was looking for and what I received. Exceptional customer service and made our first home buying experience as smooth sailing as it gets! Highly recommend Verity and ask for Chris! I am 100% sure he will exceed your expectations!
Kay R Sep 18, 2020
Very responsive to requests and was willing to take the time to discuss any questions I had. Sent plenty of updates.
Neel P Sep 17, 2020
Vanessa G Sep 14, 2020
Chris was excellent. Always answering questions at anytime of the day. I rated it Great, because there's no excellent option, which I would have chosen instead.
Kimberly R Sep 14, 2020
Chris was quick to respond to emails or calls. He set the tone with a calm and pleasant demeanor -critical skills during a purchase transaction. Toward the end of the transaction, he was on hand to make sure the process completed successfully.
Valerie A Sep 13, 2020
Chris and his team were always ready to answer all my questions. He made the loan process smooth and easy. I am very appreciative of all his guidance and support.
Oscar P Aug 01, 2020
Great communication with the lender
Kai C Jul 20, 2020
Chris was a pleasure to work with. He ensured he educated me on intricate details during the process. Overall, I would definitely recommend Chris as his service was impeccable!
Sherdell J Jul 16, 2020
We had a very unpleasant experience with Bank of America and then decided to go with Verity mortgage. Chris was an exceptional loan officer. He was very accessible and responded to all our emails, texts and calls in a timely manner. He explained all the details of the loan process to us in layman's terms. Unlike others, he understands the anxiety and stress of the loan application process and does all he can to alleviate them.
Verity mortgage has a true gem in Chris.
Onyedika I Jul 16, 2020
Chris was very responsive and always ready to answer any questions we had. I had an amazing experience and will definitely recommend Chris to everyone!
Chioma E Jul 16, 2020
Chris made sure that I had best home buying experience from start to finish. He communicated very well and answered all of my questions. He made sure everything was taken care of on a timely basis. I highly recommend him to all future homeowners out there.
Ryan R Jul 11, 2020
Thanks, Chris! I appreciate the way you communicated everything during the process!
Ryan B Jul 09, 2020
Great responsive communication, very happy we were able to work together. We started with another lender that had programs for first responders but in the end, we used you all, the in house lender and everything was very efficient and accommodating considering the pandemic challenges going on in the world. Thank you for everything.
Joe R Jul 03, 2020
Chris was very professional in all his communication. His response time when I contacted him, whether phone call or email, was expeditious. I will recommend him to my future buyers.
Rosa C Jun 24, 2020
Byron W Jun 21, 2020
Chris made the process smooth and a easy transition to becoming a first time homeowner . Was very accepting to calls and text with very quick responses.
Steven W Jun 19, 2020
Chris was very good to work with. He was helpful in answering my questions and made the process relatively easy.
Aparna M Jun 08, 2020
Easy to discuss options. Honest about various loans. Very fast and through. Extremely diligent in follow up.
Ravi B Jun 05, 2020
Always available. Very professional.
Lilibeth C Jun 04, 2020
Chris was able to close the loan in three weeks! Thank you for all your hard work Chris!
Eugene L Jun 01, 2020
Chris is competent and organized, and his positive attitude and great sense of humor make him a great asset to our team! He goes above and beyond when dealing with clients, and always open to assist his co-workers!
Crystal H May 21, 2020
Chris was simply amazing to work with. This was my first home purchase and I didn’t know what to expect during the process. He made the entire process extremely seamless and for that I am grateful!
Akayla B May 19, 2020
Chris was very quick to respond, answer questions and keep me updated throughout the process. It went off without a hitch.
Kelli N May 05, 2020
Chris is very knowledgeable, communicates and infor.s his clients in a timely and efficient manner.
Dung V May 03, 2020
Chris was always available to answer my questions and did a fantastic job helping us navigate this process.
Brittany W Apr 20, 2020
Chris was a pleasure to work with. He was very responsive to my clients and I needs.
Sharon P Apr 05, 2020
We appreciated the service, professionalism and patience as we all navigate through these incredibly unprecedented times.
Dane S Apr 03, 2020
Chris was very professional and helped me every step of the way. I would definitely utilize him again for any lending needs!
Thanh T Apr 02, 2020
This is my first time buying a home. I didn't know where to start or how the process worked. Chris took the time to explain to me the process step by step! He didn't make me feel like an idoit with all the questions I had even if I asked the same questions twice. He was very patient, caring and compassionate with me in this process. Even when i wanted to throw in the towel because I was getting frustrated, he claimed me down and assured me I would ok!😁
Kramela T Mar 31, 2020
Chris treated us great. The process was so easy. Really enjoyed financing through Chris!
Jennifer Y Mar 21, 2020
Chris went above and beyond to make sure our Mortgage process was smooth. His attentiveness to all of our questions was amazing. I would not hesitate to recommend Chris to anyone.
Floyd C Feb 08, 2020
Thorough. Attentive. Professional. That is what I want my lender to be during the closing process and Chris Haliburton covered all of these with flying colors. After having his support through the purchase of my home I would recommend anyone to him for their lending needs. The service is top notch!
Jeremy H Dec 10, 2019
The communication was excellent. He treated us like family!
Tiffany M Nov 28, 2019
Chris was one of the best loan officers I have had the chance to work with. His work was diligent and flawless. Very smooth transaction with no hiccups. would highly recommend Chris to anyone looking for a loan!
Nicholas W Nov 25, 2019
We had a great experience with Chris Haliburton and Verity Mortgage. I would highly recommend using them.
Christopher R Nov 21, 2019
Is always informative and answers any questions that I may have! I appreciate this wonderful knowledge and would refer friends and family
Rochelle H Nov 18, 2019
Chris was very informative and always kept me in the loop. I will definitely be working with him again!
Eugene L Nov 18, 2019
Chris was super informative and took the time to answer all of our (many) questions. As first time home buyers we felt that we were in very good hands and that we got a great rate on our mortgage.
Mariya R Nov 18, 2019
Everything went very smoothly. There were no hiccups during the transaction, communication was great, and he was very responsive.
Kristin B Nov 18, 2019
I am a licensed Broker and have worked with plenty of lenders in the industry. Working with Chris was a complete pleasure! He was always available, always willing to research other client options to find the best deal. I highly recommend Chris. He goes above and beyond to get you to closing. He is very dependable and will always get it done! He was even at the closing!
Yaquelina A Oct 25, 2019
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
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.
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.