Extremely efficient and highly recommended! Everything was sent to me promptly and was an easy process! I will continue to use them for more properties.
Daniel F Aug 12, 2023
Marlene J May 12, 2023
John and his whole team were great! Easiest and fastest closing I’ve ever experienced.
Robert B Feb 11, 2023
All aspects of our closing went well.
Carisa P Jan 24, 2023
I always knew what step we were on and felt like there was clear communication throughout the whole process! I love how digital and easy everything was to complete.
Grace C Sep 07, 2022
The moment I called John things began to move smoothly and so professional. I enjoyed working with Jasaka Banfield she was available 24/7 and always ready to assist us with any concerns. The lady at the Title company was so amazing as well. Thank you all for a most wonderful and very positive experience.
Edilma H Aug 24, 2022
John, Jasaka, and Donna were in constant communication with me throughout the entire process. They notified me of everything going on as it happened on their end, and were ALWAYS available to answer my questions. They made my first home-buying experience amazing!
Michael R Jul 27, 2022
Great job. Perfect crew
Anthony A Jul 05, 2022
It was very professional and detailed..all the folks we delt with were extremely friendly..I think my dealing with John and his team was a real joy...I'm 76 years old and owned several home's..but this loan transaction was by for the smoothiest I've ever went through...Thank you John & your team...Ken Kessler Sr.
Kenneth K Jun 10, 2022
Zella S May 27, 2022
In short they care and work hard. We can’t ask for more. 😀
Kristine J May 16, 2022
John and his team really treated me and my family like real people and not just another number. They communicate the process and walked us through step by step. They help us through any bumps in the road and clearly laid out options. They are wonderful to work with.
Jake J May 16, 2022
Everyone at verity made the process easy and painless. 5 out of 5, would recommend!
Christopher H May 08, 2022
The Communication, Expertise in Field, Friendly staff! Overall Experience was Great!!
Rahnald V May 02, 2022
As if we were the only client. Personal.
John P Apr 20, 2022
John and his team were very thorough and always willing to answer questions all through the process. They even accommodated last minute requests of ours. I would definitely recommend the Hardimon team to anyone needing a lender.
Angela F Apr 11, 2022
Thank you all the team.
Reyna M Apr 04, 2022
John was very patient in breaking things down and explaining things to me. As a first time homebuyer, this was insanely helpful and much appreciated. Lisa was so kind and patient as she tried to get docs from me and worked around my work schedule. And Jasaka emailed me all hours of the morning/night 7 days a week; she replied immediately and was SO on top of things. Everyone on the team was just so KIND and patient and got back to me in seconds. I will be recommending this team to all my friends also buying homes. Thank you for everything you did!!!
Travis S Apr 04, 2022
Your team helped me whenever I needed it, on the weekends, off hours, etc. This is how the housing market works so it's great to work with a financier that accomodates that.
Kerry G Mar 31, 2022
Y'all are awesome!
Brianne D Mar 31, 2022
Quick turnaround, answered questions quickly, great support through the first time process
Bridgette B Mar 23, 2022
Verity team's persistence in getting deal done.
Brian P Mar 22, 2022
Always five star service. I recommend John to all my friends!
Alexander G Mar 11, 2022
After my original mortgage started to fall through, the team at Verity was my lifeline. Special shoutout to Crystal for her around the clock support and availability. Anytime there were changes to documents or additional requirements she was on the phone to explain and answer any and all questions. The team at Verity is amazing and I could not have asked for a better experience.
Michael J Jan 14, 2022
The team was very friendly and always responded quickly to any questions my husband or I had thru the whole process
Tammy B Jan 14, 2022
The matter-of-fact approach, letting us know it wasn’t just another sale to them.
Alfred A Dec 22, 2021
All of our questions were answered quickly and were explained well. Excellent communication throughout the entire process.
Mackenzie G Dec 03, 2021
Love me some John and his entire team! :) My top referred lender to all my clients and I've used him multiple times for personal transactions as well. Best of the Best!!!
Brandi W Dec 03, 2021
consistent communication with accurate expectations
Michael O Nov 12, 2021
Exceptional service, polite and extremely helpful.
Jacob V Oct 04, 2021
The way we were treated with respect.
Deborah F Oct 04, 2021
Timely responses, polite/pleasant staff, quality of advice along the way.
Walt M Sep 08, 2021
The communication and clear instructions on all what was needed.
Russell H Sep 08, 2021
John and his team worked with me too make sure I got the best deal for a refinance.
Alexandra W Sep 04, 2021
Process and communication was timely, professional, and as we expected. Already referred friends and family which is the best endorsement I can make.
Robert S Aug 03, 2021
Communications were great!
Felt they really cared about us as a customer.
Would Highly recommend!
Richard H Jul 26, 2021
Great company they know how to get it done
Vicki D Jul 23, 2021
Very reliable and trustworthy. Good business 👏👌👍
Anil D Jul 23, 2021
Communication was great. John and his team made this experience and process smooth.
Felipe L Jul 21, 2021
From the first call to the last call it was incredible support.
John laid all the information out perfectly so that we understood it because we haven’t done this before. His team was on top of everything each step of the way.
Colton C Jul 20, 2021
John and his team are simply amazing!! They are proactive, respond to questions very quickly, and knows how to professionally and calmly address any issues that come in the way. We even accelerated closing and John and his Team handled it flawlessly!! Thank you John, Jasaka, and Crystal!! You guys are amazing and we appreciate your help.
Johan C Jul 20, 2021
Always a pleasure sending clients your way service is always fast courteous!
Ashley C Jul 02, 2021
Fast and pleasant serviced. Highly recommend!
Freddy H Jun 28, 2021
Everyone knew their jobs. Very friendly and courteous.
Larry C Jun 25, 2021
Everyone was super helpful and very friendly! They made what is usually a very stressful process so easy for me. Any questions I had were addressed the same day. I could not be happier with their service!!
Kingsley M Jun 22, 2021
Your knowledge and experience gave us peace of mind in moving forward with you and your excellent team members! Thank you for a wonderful experience!
Juanita C Jun 22, 2021
Always a great experience working with John and his team! Good communication with all parties. They work hard for the buyer to ensure the best loan terms for them and to ensure a smooth transaction. Looking forward to the next opportunity!
Sandy J Jun 19, 2021
You all were very forthright and responsive even when things did not go as planned. We had a couple of snags in the process but you all were very quick to take responsibility and solve the issues. Really appreciated everyone I had contact with on the team.
Nathan M Jun 08, 2021
John and the entire team made the home buying process as easy as possible!
Nicholas S Jun 07, 2021
John and his team are extremely knowledgeable and and professional. Always responsive. I highly recommend John to all my clients.
Coldwell B Jun 07, 2021
Fast, polite and efficient.
Robert R May 29, 2021
I bought my first home with their help. Didn’t understand a lot of the technical jargon. They worked with us every step of the way. Just remember to ask them your questions so you won’t be confused
Samuel C May 15, 2021
The Hardimon Team was in constant contact with us and responded promptly to our questions. Any changes that arose were handled accurately and expeditiously. Thanks to Jasaka, Eddie, and John for all the help. This team is truly a Blessing from God!
Dietrich B May 14, 2021
Great Experience. Great Communication. Crystal and Jasaka did a great job
Charles D May 11, 2021
Our team was very responsive in letting us know what documentation was needed and if it was sufficient or not. Also at closing time, they worked with title company to set appointment time that fit in our schedule, which meant the title company opened up an hour early to get us in.
Michelle B May 11, 2021
Jasaka and the rest of the team were always on top of things and very communicative throughout the loan process. Loved working with all of them!
Thomas H May 07, 2021
The Hardimon team did a great job & kept me informed along the way! Everyone was honest, helpful & patient with me on questions I had. Highly recommend!
Katherine J Apr 19, 2021
John and his whole team were so kind, easy to work with and communicative. We definitely chose the right people!
John B Apr 12, 2021
Ezana G Apr 09, 2021
Great job guys! To help a buyer under 250k with an FHA in this market is a tremendous testament to commitment to help all clients with equal hard work and respect.
David P Apr 06, 2021
This is the SECOND time I have trusted John to help me! Service was was so nice - I used him twice. He is always quick to answer questions and wants to make sure you understand everything. Completely transparent. I will never go to anyone else!
Paula W Apr 05, 2021
You guys are always on the ball. Anytime I need something one of yall is there to help and answer any and all questions. I recommend you guys to all my clients! Keep up the great work
Cori Z Mar 26, 2021
Seamless, prompt, highly professional and overall fantastic. Crystal did fantastic work!
Bojan D Mar 12, 2021
John and his staff are always there for my clients!
Debi D Mar 10, 2021
John is a miracle worker! Got us funded at lightning speed. Nobody thought it could be done, but John delivered. He set a new land-speed record for going from proposal to 100% funding!
Robert P Mar 09, 2021
John Hardimon and his team are amazing!!! They make dreams come true!! Jasaka Courtney amazing ladies and are fast and always answering your calls when you have a question. Loved our whole process and would definitely continue sending people there way!!! John Hardimon and his team are the way to go if you want to become a homeowner thank you guys and ladies for all you do!!
Saul C Mar 09, 2021
Terry H Feb 27, 2021
Hardimon and team were always available to answer questions. They’ve also made quite a few changes for me in a speedy manner, switching me from FHA to conventional per my request. The Hardimon team also did a great job of keeping me updated all throughout my loan process. I know I was in good hands.
Olivia Y Feb 26, 2021
The values and communication and swift completion you guys gave us was extraordinary. We couldn’t have been happier to work with anyone else. Everything was streamlined in the most professional, hassle-free manner one could ask for. Verity Mortgage has been our lending company for our past 2 loans now, and I couldn’t ever see me using anyone else in the future. I highly recommend them to anyone that even thinks about buying or refinancing! Thank you Verity Mortgage!!
Dennis B Feb 26, 2021
Timely and personalized service.
Naveen M Feb 22, 2021
Loved working with the Hardimon team John, Courtney and Jasaka were always on time with any questions or concerns and always made us feel comfortable throughout the process will definitely continue to send my buyers there way!
Ashley C Feb 22, 2021
John and his team were very professional and helpful - went above and beyond to finish the deal.
James B Feb 13, 2021
Communication was excellence. Courtney Leonard jumped out to help us immediately!! I am pretty sure she worked over the Christmas holidays. She began the process with commitment and great customer service.
Sheri W Feb 04, 2021
Everyone was friendly and helpful!
Elizabeth D Feb 04, 2021
As a self employed client, my process was very smooth and closed rather quickly. My lenders was Shelton and John. Both lenders worked exceptionally well on my file and communicated efficiently. Big thanks to these guys and their teams!!!!!!
Latrice B Jan 25, 2021
Very easy to work with John and his team. Everyone was very on top of things and I didn’t not feel like there were any issues at all during the process.
Dmitry K Jan 22, 2021
Kevin K Jan 20, 2021
The Communication was great.
Michael K Jan 12, 2021
Thomas G Jan 09, 2021
Mr John was great to deal with!
Adrian Z Jan 09, 2021
It was a pleasure to with John to refinance my house. He made the process fast and easy. I got a great interest rate with low closing costs!
April C Jan 07, 2021
John helped me so much with closing on my new home. We only had about 3 weeks to get the entire loan done and he helped push things through quickly. The whole process was smooth and easy to understand. Thank you again John and Jaska!
Rachel R Jan 03, 2021
Easy too work with, professional, and thorough.
Vanessa R Jan 02, 2021
Excellent communication from all parties made this process as simple as possible.
Salanna R Dec 30, 2020
Excellent communication and wonderful staff that walked you through any loan option or questions you might have. We would highly recommend using their services!
Mark D Dec 30, 2020
Great job. Wonderful people!
Mack P Dec 07, 2020
John and his team were great! They kept in constant communication. They worked quickly to meet our closing date!
Abram M Dec 05, 2020
John and his team were professional every step of the way. This is the second home he has helped us purchase and we couldn’t be happier!
Don C Dec 03, 2020
The Hardimon team was on point and pleasant to work with, as always.
Mary T Dec 02, 2020
All the Hardimon staff were great to work with.
Billy L Dec 02, 2020
Quick response from John and his team! Everyone was respectful. They were able to quickly answer my questions
Elisse D Dec 02, 2020
John and his team are rockstars!
MICHELLE D Dec 02, 2020
His team is amazing and a great job guiding me through the process!
Amy M Dec 02, 2020
Smooth process, great communication, and follow up !
SHONNA K Dec 02, 2020
Great experience, I felt like John and his team cared about me and my home purchase.
Daniel E Nov 10, 2020
I would like to thank you and all those at Verity Mortgage for your professionalism in helping me get my funding to purchase my home in Weatherford, TX. You made my home buying experience an extremely positive and pleasant one. Many Thanks. Sincerely, Craig
Craig D Nov 08, 2020
As always John and his team provided top notch service, rates and closed the home early for my clients!
Elizabeth H Nov 07, 2020
Both John & Eddie are easy to talk to. They kept me informed of everything going on & gave me a heads up on what to expect. From the start I told them what we wanted to do & they helped me acheive that goal. Overall, excellent job!!
Richard C Oct 30, 2020
John and his team were amazing to work with. They were very responsive, great communication, and just an all around pleasure to work with!
Andrea W Oct 23, 2020
I had a great experience with John and Eddie. They helped me a lot through a hard time of trying to buy a house. They were always there to do a quick new pre qualification letter for each offer I put on a house and they were always there to answer any questions I had. I highly recommend them!
Heather K Oct 23, 2020
John and his team made our refi process simple and hassle free. Will definitely recommend!
Sarah C Sep 25, 2020
I worked with John on my original mortgage 10 years ago and a refinance this year. He and his team are a knowledgeable and responsive group of professionals and they were a pleasure to work with. I highly recommend him for your future mortgage needs.
John H Sep 21, 2020
Easy process, Good communication, digital signatures all in one place. One visit to sign in person.
Brent B Sep 20, 2020
John and his team were readily available to answer all of our first time home owner questions right down to the finest of details. Every one was quick to reply to emails and even faster at returning phone calls. They not only matched our excitement but they kept us calm and informed every step of the way.
David B Sep 20, 2020
The team at Verity was nothing short of exceptional. Walking into this as first time homebuyers, the process felt intimidating and overwhelming. But John and his team walked us through every step. We always felt taken care of, even after we closed on the house. When looking for people you can trust to have your family's best interest at heart, you'll find no better team than Verity. Thank you John!
Randall D Sep 18, 2020
Everyone worked hard on the team to give us updates and continue to help us past all the hurdles we came across.
Cheryl H Sep 18, 2020
The whole Hardimon team was awesome. Everyone was responsive and worked hard to get the deal closed. Thank you!!
Leslie L Sep 17, 2020
I am so impressed with the entire team from start to finish. The communication and teamwork were top notch. It was easy to upload my documents. There were no surprises and note we are saving so much money.
Elizabeth H Sep 16, 2020
I like how y’all work so fast and smooth, and y’all where so good at letting me know if any documents where missing and not asking for them at the last minute.
Jose G Sep 02, 2020
Great communication and follow-up. Easiest refi that I have every had. Thanks for the nice experience.
Geoffrey H Sep 01, 2020
The team was easy to talk to and quick to answer my questions.
Henry P Aug 26, 2020
Very respectful, responsive, very professional and easy to work with. We appreciated the friendly interaction and effort provided by John and his Team. Are experience was pleasant on on fronts. We will continue to refer friends to John's business.
Jonathan L Aug 20, 2020
Always the best service from John and his team!
Stephen S Aug 17, 2020
The always kept me in close communication along the process. They were reachable and very personable.
Ivan D Aug 12, 2020
Yall were on top of the whole process for my clients. You stayed in constant contact and were available when we had questions. Thanks for being awesome. You have an amazing team!
Cori Z Aug 03, 2020
John's entire team was just wonderful! They were extremely helpful and responsive whenever we had questions about our loan. They made purchasing our first home a breeze! I can't express how truly thankful we are for you all. God Bless.
Emily M Jul 31, 2020
Great communication from all team members. Each step was thoroughly explained to me. The mobile app helped keep track of progress. Overall, a great experience! Thank you!
Carol R Jul 20, 2020
This was my first time buying a home. John was incredibly professional, knowledgable, and dedicated to ensuring I was educated on my options, while locking in the best financing available.
Theodore K Jul 19, 2020
Ellen M Jul 19, 2020
Our benefits and interest were the priority and the communications was ongoing throughout the entire process.
Brian M Jul 19, 2020
Dependable, reliable, professional and courteous service is a rarity these days. It's very pleasant to work with such nice, intelligent, and competent people. You guys did a fantastic job!
David P Jul 19, 2020
Great, quick, streamlined experience.
Aaron B Jul 12, 2020
You Guys Rock!!! Thank you for going the second and third mile to get the transaction ready
to close. Not only did you manage to get it closed on time but also helped my buyer get his
credit report to a good score so he could qualify to hear, "You're Clear to Close"!!!
Dana J Jul 07, 2020
john was quick to respond to emails, texts and phone calls. He always knew what was going on and his team members like Jasaka were a pleasure to work with.
This is my second loan with the Hardimon team and I will certainly refer them business from friends and colleagues.
Michael O Jul 04, 2020
For us not to have had to go to Dallas and wear a mask.
Melanie S Jul 02, 2020
Always pleasant working with Mr.Hardimon. The whole experience was fast, efficient and very easy.
Chad C Jun 25, 2020
Absolutley love this team and my new home.
Rebecca B Jun 19, 2020
Great communication throughout the whole process. Very professional staff.
Irineo M Jun 19, 2020
John and his Team really went out of their way to help me through this transaction. I am truly grateful to John and his team for all of their work and great communication
Peter D Jun 04, 2020
John and his awesome team helped me refinance 2 houses at the same time. The process was seamless, and whenever I had a question, they were quick to respond. His whole team was friendly and apologetic about things that were out of their control. Definitely will use again if I need another loan or refi.
Simon D Jun 02, 2020
Quick and easy with great communication.
Christopher D May 26, 2020
great communication and follow up; all staff were helpful and prompt
Wendy D May 26, 2020
Robert M May 25, 2020
Judith M May 25, 2020
This was the best experience ever. I have closed on many personal homes and investment properties in my past, this by far was the best and quickest.
Kevin K May 24, 2020
John, I appreciate the communication and professionalism of you and your team. Given the circumstances of not being able to meet in person, you and your team made our refinancing seamless. Thank you for saving us a bunch of money. Cheers and be Safe!
Donald U May 20, 2020
We received Quality and Efficient service. We were able to ask questions, get answers and achieved our refi satisfactory.
Robert T May 18, 2020
All is well. Even referred my brother who even immediately refinanced with equity cash out without the need of shopping for other lenders for peace of mind. That's the confidence of referrals.
Richard A May 17, 2020
John was very professional and kind in every interaction we had with him. Pleasure to work with.
Lyndsey G May 15, 2020
Awesome job!!! Super fast. Highly recommend.
Jon F May 14, 2020
Could not have been more happy with John and his team. Great communication and got me the best rates possible. Very carefree and no stress at all. Highly recommend John for your financing needs!
Nathaniel G May 14, 2020
The communication from this group was exceptional. They made sure I understood and knew what to expect with each step of the process. They are effective, efficient and took great care of me! Thank you!
Tammi N May 14, 2020
Great communication, team is on point which makes for smooth transactions.
Mary T May 11, 2020
John and his team did what it took to get the job done and done right. Couldn't ask for better. Thanks again!!
Scott E May 08, 2020
Very timely response during their office shutdown.
David D May 06, 2020
From the first phone call, John made a mortgage less scary and a very achievable goal - he acted more as a big-picture advisor which encouraged us to make the right decision not just for our family now but for our family long term. When we started planning for a mortgage a year ago, I reached out to Quicken Loans since they boast about an easy process but we were quickly discouraged. We felt comfortable and confident in John. I have already referred him to friends and will continue to do so!
Patricia G May 06, 2020
I appreciated the timely responses, honest answers and the feeling your team created of having my best interest in mind.
Candice M May 03, 2020
We are so thankful to have found John Hardimon and his team! They kept us up to date with timely information that was relevant to our personal needs. They always treated us as if we were their #1 priority. Special shout out to Jasaka Bandfield for always being patient and helpful with answering our questions. She always put us at ease. If you're looking for an organization that cares about you and has your best interest at heart then look no further than Verity Mortgage!
Stephanie B May 02, 2020
The communication was great everyone kept me inform of the process and educated me on what to expect next.
Jeny R May 02, 2020
John and his team made the process easy and got us an incredible rate!
Cheryl S Apr 27, 2020
John and his team are the most passionate and knowledgeable people in the business. My wife and I wouldn’t even think about using anyone else!!!
Damien S Apr 26, 2020
Amazing!! Once again!! 🙏🙌🏡
Bettina H Apr 26, 2020
John and his team were very communicative during the whole process. We appreciate the hard work and care.
Joseph R Apr 24, 2020
John was very quick along with very informative. I will look for him the next time I but property and refer to all my friends and family!
Cristian R Apr 23, 2020
Love working with John and his team. John is so knowledgeable and will explore all options to see which fits best for your family.
Jordan P Apr 21, 2020
Everyone was extremely pleasant to work with and the communication was excellent. It’s so nice to work with such unbelievably nice people such as John and his team.
Tanya R Apr 21, 2020
Everything was smooth and honest. No complaints whatsoever.
Christian O Apr 21, 2020
Keeping me updated I always knew how my loan was going.
Rosemary V Apr 21, 2020
Quick and efficient. A little mistake at the end but we worked together to correct it quickly. Still funded on time.
Nicole P Apr 20, 2020
John Hardimon and his team at Verity Mortgage were amazing, especially during this Covid-19. Everything was prompt and actually very speedy. I love the hands-on approach taken because it caused me to be very hands off and I love that. Was very in tune with the market and our rate dropped lower. We had a VA loan which many people are not experienced with and this mortgage team made it happen with an ease. We are very thankful for them during this time of uncertainly and made it feel comfortable.
Farrah M Apr 20, 2020
John and his team make the process so easy! They are quick to respond and always so friendly and professional. We will never use anyone else, and will always recommend them!
Heather B Apr 20, 2020
I have had 8 mortgages in my life and I can tell you by for John Hardimon and his team are the best around. The whole process is super organized and easy to get through. He has a very professional, knowledgeable and friendly team who are always on the ball. I give them my highest recommendation.
Keelan B Apr 17, 2020
We are so thankful for John and his team! They went above and beyond to help us explore all our options and make the best informed financial decision for our family! His team is responsive, dedicated, and truly care about their clients! Would highly recommend his services!
Amanda S Apr 13, 2020
John's willingness to answer questions, his efforts to get is the best interest rate, and his flexibility to get is to closure.
Roy G Apr 07, 2020
John was informative and gave us good advice.
Dana J Mar 29, 2020
Eddie, John and Jasaka were great! We had a few hiccups along the way but this team handled it with professionalism and did what was in our best interest! Will definitely refer them to everyone!
Maryjane J Mar 28, 2020
Very fast service and employee knew the business very well
Kathy R Mar 26, 2020
John and his team were on top of it from beginning to end. Communication was superb and they made the entire process smooth and easy!
Bethany L Mar 06, 2020
The team was engaged and helpful every step of the way. And we got an outstanding rate.
Jacob P Mar 05, 2020
The complete process was made so simple by the knowledgeable, professional and courteous team members. Totally enjoyed the refinance process.
Thank you all.
Thomas H Mar 03, 2020
Thank you all so much for everything. I ALREADY feel more mature!
John, your team is professional, polite, informative, last minute creative, and a true pleasure to work with.
I would absolutely refer a friend or family member to you guys without a second thought. Thanks again to you all!
JACOB V Feb 24, 2020
This team is amazing!! Communication on point and systems in place. As well, this particular was a trickier file. They worked the file quickly and without error. Looking forward to a long term working relationship with this group of professionals.
Toni M Feb 17, 2020
John's team handled our clients with care and answered all of their questions throughout the transaction. They made everyone comfortable and were on top of every step of the loan process!
Derek P Feb 17, 2020
Great staff results in super support.
Kathryn W Jan 31, 2020
Great job and friendly service.
Jason A Jan 30, 2020
John and his team got the job done quickly and professionally. Thanks for the great work.
Casey C Jan 30, 2020
John and team moved mountains to get us into a nice house, just big enough for my son and me. When I got frustrated, they were quite patient with me. It has been quite a ride. They are great!
Anne B Jan 13, 2020
It was great working with John and his team. Being a first time buyer is stressful as is, John made it as easy for us as possible. Being prepared for the worst sucks and it's nice when the outcome is in your favor. Thanks guys!
Nickolas C Dec 10, 2019
Communication and hard work every day.
Elizabeth H Dec 10, 2019
Great team! Great service!
Robert B Dec 05, 2019
Lisa B Dec 02, 2019
I've worked with John for almost 10 years now! He always delivers outstanding service to me and my clients. He's honest, reliable, and very knowledgeable. If you want a lender that will give you 100% ALL the time, John's your guy!
Amy B Dec 02, 2019
I had a great experience working with John and his team. They are extremely professional and dedicated. I will definitely reach out to them for future transactions and referred them to my friends and family.
Argelia R Dec 02, 2019
John and his team always do a wonderful job with the loan process. I highly recommend them and as a Realtor, that's saying a lot! Great work team!
Jeanette A Dec 02, 2019
Amazing service once again!!
Bettina H Nov 19, 2019
John and his team handled my clients with such good care. They handled somewhat complicated issues with ease and made the client feel comfortable! Would definitely refer them!
Derek P Nov 14, 2019
The level of professional handling of my pre-qualification documents and speedy processing.
Raphael O Nov 14, 2019
Jasaka went above and beyond working late to ensure my clients file closed on time. Everyone involved truly appreciated the extra efforts as I know this file was not a cookie cutter file.
Patricia M Nov 11, 2019
John and the team at Verity Mortgage were outstanding! We had a smooth transaction and my clients are extremely happy with their beautiful new home!
Degie W Nov 11, 2019
Doing my Mortgage with Verify and the Hartimon Team was such a breeze. It was the simplest mortgage transaction I have ever had. I love the scanner application so much! It made it so easy to get my documents to Verify. I also loved working with Jasaka! She was such a reliable guide through the process! She was on top of everything and so readily available. Her friendly way combined with her expertise took so much stress out of the process.
Michelle B Oct 28, 2019
The whole sequence from initial enquiry , right through to funding was a ...JOY ! Haley Molock is a SUPERSTAR.....the way she brought all the pieces together, took calls/returned calls from me was top notch professionalism. She thinks outside of the box - as you ALL do at Verity. Both myself and my wife, Val, cannot recommend Verity highly enough ! I know whom I will recommend would be property buyers to check out ......
Thank you John
George P Oct 05, 2019
John and his team were always available for questions and explanations. They made the loan process easy and organized. We have bought a few homes, and this was the easiest loan process yet.
Cheryl S Oct 05, 2019
John Hardimon and Jasaka helped me through the entire process. They were very kind and answered all my questions. I would recommend John and his team. Everything went smooth and I am now moving into my forever home!
Judith O Oct 03, 2019
John kept us informed at every turn. Thanks, Rusty Pierce
Rusty P Oct 02, 2019
Shawndi H Sep 30, 2019
Great communication and friendly staff.
Riley B Sep 30, 2019
John and Haley were both very professional & friendly. They kept us up to date on forms needed and where we were in the process. They followed through on what they said they were going to do.
Bethany B Sep 26, 2019
John’s extremely knowledgeable when it comes to extra mortgage options that are appealing for customers that are managing their money.
Charles R Sep 16, 2019
Follow up and constant contact made our experience easy!
Donna L Sep 04, 2019
Mark R Sep 02, 2019
Was a smooth process and closed on time
Matthew L Aug 29, 2019
Very organized and planned out. Great communication throughout the whole process. No surprises.
Brianna E Aug 22, 2019
We were very grateful to close on our house in less than 4 weeks, everything was so prompt and John was always available when needed.
Courtney B Aug 20, 2019
BEST experience EVER!!!! Such a pleasure to work with!!! Excellent communication!!! Jasaka made every step easy, she is a true professional!!! Verity Mortgage Rocks!!!
Danny E Aug 19, 2019
Consistent communication, prompt replies, positive and upbeat, so very on top of everything, hit closing date which was just 3 weeks, and the list goes on :)
Brandi W Aug 17, 2019
John and his team are great! They were there for us every step of the way and made the loan process super easy!
Thomas B Aug 16, 2019
John and his team were so much help. We were first time home buyers. The terminology and process seemed so easy with them by our side, available to answer our questions at anytime of the day. They always had our family’s best interest in mind. Thank you.
Natalie B Aug 15, 2019
Had a great experience in my home buying process. Would definitely recommend to my friends and family
Greg F Aug 08, 2019
Great service and response to needs.
James D Aug 07, 2019
I was referred to your company from my Realtor, Kristine Coates with Texas Urban Living, and from the beginning the service was wonderful!!! The whole process throughout the buying transaction was smooth and very fast! Jasaka was amazing and really on her game! Everyone was so helpful with the entire process. We really appreciate all of your help in our buying a new home! We will most definitely refer Verity Mortgage to our friends and family. Thanks for everything!!!
Keri F Aug 05, 2019
I was very impressed with the entire team of this firm. They had amazing follow up and walked us through all this, new to us, doc-u-sign process. Believe me they all had the patience and understanding we needed. Praise the Lord we are now owners of a fantastic home.
Thank you and Gods blessing to you John and team.
Pete and Susan
Pedro T Aug 04, 2019
We enjoyed a seemless process from start to finish. Jasaka did a great job of gathering information, and John made us feel comfortable and at ease with the whole process. We have bought and sold several homes, and the past two with Verity Mortgage have been the best experience .
Alan J Aug 01, 2019
John Hardimon and his staff are amazing!
This is our 2nd experience with his team, they take the stress out of buying a home.
Outstanding service, you won’t be disappointed!
Amy J Aug 01, 2019
While there is a lot of fast talk in the mortgage and real estate industry, John Hardimon and his team actually deliver. The dates and numbers that we received at the start were all on point at the closing. John did what he said that his team would do. A big thank you from the Lamberts.
Israel L Jul 29, 2019
John and team had all the answers and time for us.
They exceeded our expectations !!
Josue H Jul 25, 2019
Smooth transition, n always there to help when we need
Amrendra D Jul 23, 2019
Derek P Jul 20, 2019
John and Haley are some of the most professional people I have ever worked with!
Jeffrey G Jul 20, 2019
Everything about the process was perfect for us. The communication back and fourth was genuine. Your team listened to our needs and went above and beyond to accommodate us in developing a plan that would work for us now and for years to come. I was a big fan of the docu-sign system and honestly felt like everything from A to Z was painless. It was nice to come in under budget of course, but what probably meant the most for us the help and advice we received along the way. Very grateful!!!!
Brandon O Jul 20, 2019
John was easily one of the best lenders I’ve spoken to. He was always brutally honest, answered all questions quickly and professionally, and even pointed out things we would have missed otherwise. He always looked out for OUR needs. He made sure we felt as if we were a team. They were always on point with their timeliness and I can’t speak any more highly about them. I’d recommend them to anyone and everyone. Thanks again, John!
Christopher E Jul 16, 2019
John and his team are the best in the business! I actually work for another mortgage company and get employee discounts, however, John was able to beat their rate, monthly payment, and cash to close. Take my advice, these guys are the real deal and will make sure you get the best experience possible. THANK YOU!
Stephen S Jul 10, 2019
It’s a pleasure to know that my clients and myself are in great hands.
Debbie P Jul 10, 2019
The communication was great: timely and clear. The entire process was easy and excellent!
Ann W Jul 06, 2019
John walked me through EVERY step of the process. He and his Team new how very anxious I was with the process as I am very cost effective. I trust John. He was like a brother to me, even answering questions for me even after hours to maintain my business. Thank you just isn’t enough. He was humble, honorable, respectful, encouraging, very encouraging, and a champion in this whole process for me. He didn’t have to do this, but he made sure everything exceeded my expectations as Haley & Jasaka
Dana H Jul 02, 2019
My experience with John Hardimon and his team is always great. They are knowledgeable, provide great communication and always close on time!
Stacey E Jun 29, 2019
The entire team was friendly, knowledgeable, and helpful throughout the process. We could not have asked for a better experience. Thank you!
Megan E Jun 29, 2019
Everyone was on top of everything.
Sefe H Jun 26, 2019
John Hardimon greatly exceeded my expectations when he stepped into the middle of an existing transaction to save the day! Every commitment was kept, communication was exceptional - it is apparent that John values his clients and their customer service satisfaction as much as I do and for this reason I look forward to referring more clients to him to assist with their home purchases. Thank you John and team for amazing execution!
Tricia S Jun 15, 2019
Thank you and Team Hardimon for a painless and successful closing for my clients! You did have enough "magic" left to get this done as quickly as you did. I can't thank you enough. My
clients were thrilled and very surprised and pleased.
From now on, you WILL be my "Go To Lender"!!!
Dana J Wilson, Realtor
Results Property Group LLC
Dana W Jun 08, 2019
John and team were so responsive and had a quick turnaround for us. The process was so streamlined and easy to complete from start to finish.
James S Jun 07, 2019
Your friendliness, customer service and turnaround time was fantastic.
Kimberly S Jun 04, 2019
John was very responsive and helpful throughout the entire process. The overall experience was great.
Michael O May 18, 2019
John and his team are my go-to lenders in north Texas. I refer ALL of my clients and trust them completely!
Scott N May 16, 2019
Great working with John and his team! The whole process was easy!
Michelle R May 07, 2019
My experience with John Hardimon went great because, he and his staff were TERRIFIC about communicating with us. I appreciated the follow up they had with me, and for the reminders. This is a crazy busy time of year for me at work, and they kept after me some days, which I was so grateful for. They were professional and kind and sometimes I still can't believe the process is finalized! Definitely will recommend John and his team to others!
Kimberly M Apr 30, 2019
John and his team are awesome! We have worked with them in the past as well and they are great at getting the loans closed quickly . I would highly recommend them to any of my friends and family members!
William W Apr 29, 2019
Everything was completed on line. I did not have to take time off to deliver papers. Also, if there was something urgent needed, John and his folks were diligent in contacting me to get whatever was needed. I felt that they were making sure that nothing fell through the cracks. That is such a comfort when you are dealing with something as important as your home and finances.
Linda R Apr 22, 2019
The communication was fantastic . Made us feel very comfortable and easy no headaches
Robert G Apr 14, 2019
Smooth process from start to finish. Easy closing with little hassle.
Aaron B Apr 06, 2019
Thanks for all your help. I want to especially thank your team, Kendra, Jessaka, Haley, etc. They were great; very patient and made sure everything was explained to us throughout the process.
Amy D Mar 28, 2019
Constant communication during the process. Any time of the day.
Alexander S Mar 26, 2019
This was the best experience with a lender we have ever had. John, Kendra, and the rest of the team were so helpful, friendly, and on top of everything. We would recommend them to everyone!!!
Katherine S Mar 25, 2019
Buying a house can be a stressful experience, but John's team made the process seem easy. They were always there for any questions and made me feel so comfortable! It was such a great experience!
Crystal K Mar 19, 2019
Made buying a home super easy and walked us through the process.
Jacob M Mar 09, 2019
The entire team was very helpful and always willing to answer any questions we had. They treated us like we were friends or family.
Arthur A Mar 09, 2019
John and his team are a pleasure to work with. They always answer the phone when you call them and do everything they can to get an answer for you when you have a question.
The entire experience was incredible and went as smoothly as you could expect It to.
Michael V Feb 25, 2019
Every step of the way there was great communication on what I needed to do next and where we were in the process. There were no surprises and John’s team did a wonderful job helping me secure my loan at the best rate available. Their customer service is top notch.
Tonia M Feb 15, 2019
Everything went extremely smooth without any hassle! Thank you for everything!
Lorraine B Feb 01, 2019
John has always given the absolute best customer service to myself and my clients. I've done several transactions with him and his team and he is not only knowledgeable, he truly cares about the people he works with. He strives to serve, he finds passion in helping others and you can feel it just by conversing with him. Thank you John for all you've done and your continual support, I'm very grateful to be able to do business together. And by the way, he has never asked me for a review.
Sally M Feb 01, 2019
Great attitude. Excellent communication, fast feedback. Very professional.
Benjamin G Jan 10, 2019
This last experience is the third time we have worked with John over the years and as with our previous outstanding, professional financial transactions this one was equally beneficial. I would recommend his services to any of my family and friends.
David D Jan 05, 2019
You made our home buying experience so easy! Everyone in the office was friendly and always so helpful. You went above and beyond to close our deal and fund quickly, so we could be in our home that night! Thank you for everything.
Andrea T Dec 28, 2018
John and his team were there for me with every step and every question I had. Couldn’t have asked for a better team to work with.
Clark G Dec 11, 2018
The staff made it great. They were quick to reapond to emails and answer questions. They also kept us on task to ensure everything was done for closing.
Shelli R Dec 04, 2018
You have a great team!
Glynn B Nov 29, 2018
We have used John to purchase our last 2 houses and have been very pleased with the process.
Sara C Nov 26, 2018
Great to work with
Allen J Oct 27, 2018
Personal, knowledgeable and compassionate attention from every team member.
Bowie S Oct 15, 2018
The team made us feel at home from day one. They were very interactive with us and our son ensuring we were comfortable and had the tools we needed. They gave us many options which helped us in deciding what kind of loan was right for us! Thank you John Hardimon team for helping us aquire our very first home!
Benton S Oct 09, 2018
During the whole buying experience, I felt Like the Hardimon team was working for me to be informed at every juncture. I could always call to inquire if I had any question at all. The staff was very knowlegable and willing to help at all times.
Rodriguez R Oct 02, 2018
Thank you so much for the great experience!
Landge R Sep 28, 2018
John and the team were amazing. I would recommend them to anyone.
Jennings T Sep 28, 2018
Professional,caring,well informed,and sooo very positive!
Keane M Sep 13, 2018
John and his team did a great job with our Re-fi. There were some road bumps along the way, but John was able to smooth them out to get the job done. Haley and the rest of the Hardimon staff were great at communications and keeping us up to speed with our entire process. They have earned my repeat business as well as any and all referrals from friends and family. You can't go wrong.
Joyce M Sep 13, 2018
Great to work with such knowledgable people! They know their business well and can get things done right!
Rowlett J Sep 12, 2018
Very smooth transaction!
Manderscheid C Aug 27, 2018
John and Todd were a pleasure to work with, and very efficient.
Galiano D Aug 08, 2018
Everything was simple and easy until 2 weeks before closing. John was great and reassuring.
Williams D Aug 04, 2018
The communication from this group is outstanding. They kept us up to date on each step of the process. They made it possible for us to buy the home of our dreams!
Najar A Aug 04, 2018
Fantastic team. Verity made our loan process super easy. Highly recommend!
Rossen B Jul 31, 2018
John Hardimon and his team made buying a home such a pleasant experience! They were really on Top of things and made us feel we were in good hands.
Iuliano H Jul 29, 2018
Great all around team!
Calvert B Jul 27, 2018
I was very happy with the service we received! John Hardimon and his team were on top of everything and worked fast. When we ran into a road block he found a solution. I would definitely use them in the future!
Iuliano S Jul 25, 2018
Thank you from the bottom of my heart. You and your team made this process so easy. We really appreciate the memories that were built as first time home buyers! Closing day was absolutely something to remember and I appreciate the hard work that was put into making our proposal so special! We are forever grateful. Stay in touch!
Deets C Jul 01, 2018
John keep me informed every step of the way! Always great customer service.
Oliver K Jun 23, 2018
The care and attention y’all took. I felt like I was the only client y’all had. Very much appreciate!
Orndorff J Jun 22, 2018
John, Todd, and his team did a great job on my loan and keep me in the loop the whole way. I highly recommend John and his team.
Alvarez V Jun 20, 2018
Very thorough, very patient, and a completely pleasant experience.
Love T Jun 16, 2018
Mr. Hardimon is exceptional at his job. He was always available to answer any and all questions we had ( and my wife ALWAYS has a lot of questions). He always took his time to y explain everything and helped ease the process. We have bought 2 houses with Mr. Hardimon and the we will definitely use his services again.
Curtis V Jun 16, 2018
Thankyou John and team for assisting me with the home buying process.It was great working with Todd. I appreciate the Good communication,as a first time home buyer the process seemed overwhelming but Todd took time to explain every step.
Metto L Jun 04, 2018
Everything’s wen easy and fast
Jose Silverio C May 25, 2018
Todd was excellent in discussing all of our financing options and keeping us informed.
We got the house of our dreams. Thank you to Jennifer and all of the excellent office staff.
Campbell J May 17, 2018
As first-time homebuyers, John helped us navigate the process and made us aware of money-saving strategies. He and his team were friendly and prompt with everything they did and were great to work with.
Tuttle S May 17, 2018
Mr. John hardimon himself. And his team they really took care of me and made what I needed happen. Thanks Hardimon team!!
Stiles T May 10, 2018
John and his team had great communication throughout the entire process. This is important as it made it less stressful knowing we can reach out them at any time with a quick response. Overall it was just a pleasant experience.
Brashear J May 07, 2018
I work with John twice already and am about To use him again. They are thorough fission, so communicative, so attentive to all of my needs, big thumbs up to John and the gang!
Evans G May 07, 2018
Everyone was enjoyable and easy to work with. John was always available to answer questions and would answer them in a straight forward and knowledgeable manner. I felt very confident in their work!
Tunnell J Apr 30, 2018
Great communication and clarity with everything. Thank you!
Vazquez R Apr 19, 2018
Bateman J Apr 16, 2018
Quick, easy, and painless
Smith R Apr 12, 2018
Couldn't have had a better team to work with! Integrity Ã¢ÂÂÃ¯Â¸Â
Burge C Apr 11, 2018
John and his team were amazing at helping us through this process! They answered any and all of the questions that we had. We felt supported and encouraged during the entire process. We would definitely recommend them to our friends and family, and we will use them again, if we ever choose to find a new home in the future.
Burge A Apr 05, 2018
Constant attention to my transaction, extremely friendly staff, fast reaction and issue resolution.
Zett M Apr 03, 2018
Dealt quickly with changes. All of the staff were kind and professional
Corbett C Mar 20, 2018
John and his team were super easy to work with and very friendly and knowledgeable. From the day we executed the contract to close was only 17 days! It was the most stress free real estate transaction I've ever experienced. I would highly recommend them to anyone looking to buy a house!
Price M Mar 18, 2018
I've known John for years now. I've done business with him personally and professionally. I even refer all my clients to his team. I'm extremely satisfied with his service!
Neal S Mar 08, 2018
great follow up and attention to detail, prompt response times
Manuel S Mar 05, 2018
Anytime I had a question the answer was always just a phone call away
Brockway C Feb 09, 2018
John and his team made the entire process very easy for me even though we seemed to have quite a few obstacles from the seller.
Hawke M Feb 09, 2018
I worked with John and his team for loan, as well as a refinance. I respect John; he is a gem in the industry and I greatly enjoyed every interaction that I had with him. He worked hard to make sure I was taken care of and that every question I had was answered. He is a number wizard & worked every aspect of the financial scenario to make the numbers work to my benefit & needs. I shopped both my loan and my refi to find the best deal & John worked hard to get my business. Thank you, John.
Jeanette D Jan 31, 2018
Simplified a really complicated process...super quick replies whenever I had a question, and just made what seemed to be a daunting process easier.
McAnally A Jan 30, 2018
Very helpful for first time home buyers!
Arnold B Jan 01, 2018
Trust worthy and reliable! Also very nice!!
Michael I Nov 10, 2017
The staff was very friendly, helpful and cordial. I really like John's great, personable and humorous attitude. Very nice group to work with during our transition to Texas.
Ketra S Oct 12, 2017
John and his team was wonderful to us throughout this entire process. Great team, great people.
Gary S Oct 09, 2017
This is the third Finance that John and his team have done for the Wills family. We will always recommend them to everyone that ask where togo. Thank you for everything y'all do!
Michael W Sep 27, 2017
Working with John was the easiest part of my 2nd home buying experience. Thank you for your help!
Logan P Sep 05, 2017
We believe that John was a true blessing to us. He made this process so easy. We will forever be thankful for John and all his hard work and knowledge.
Michael S Aug 17, 2017
John was very patient and very thorough. As first time buyers we had a lot of questions. He was always prompt to respond and direct with his answers. He even replied multiple times after 5pm!!! ;) I did shop around tried competitors, Quicken is an example. John was able to get me a fair, honest, and what I consider the best deal. He was always looking out for my family and our best interests. Mortgage with confidence if you choose John Hardimon.
Aaron K Aug 17, 2017
This team of professionals (LaTisha, Haley , Lisa, and John) took good care of us every step of the way. The whole process was a good experience!
Amy J Aug 17, 2017
Quick and on top of it. Not sure if I would've made my deadlines with another lender. Thanks for everything.
Alan D Aug 12, 2017
He made himself available to make sure the process went smoothly for me, even if it was an inconvenience he still ensured the process stayed smooth.
Trey C Aug 12, 2017
I really appreciated how quickly your team worked throughout the process. Everyone was friendly, helpful and responsive. My only complaint is the requirement to insure the home for the full loan amount. That is significantly more than the rebuild value and a waste of money for the homeowner.
Craig D Aug 04, 2017
Scott G Aug 02, 2017
The entire team there did a awesome and very professional job there. They got everything done in a timely manner and made us feel like family. They were more than happy to answer any questions and explain things to me and my wife. Thank you again John and your entire Team
Edward W Aug 01, 2017
Always readily available my questions were answered promptly.
Thomas M Jul 31, 2017
The communication was excellent. All of my questions where thoroughly answered in an expedient manner.
Amanda V Jun 24, 2017
Mohamad F Jun 19, 2017
John Hardimon and his entire team were Awesome! There was constant communication throughout the entire process. These guys had our loan ready to close in 8 days. John returned all my calls, text messages and emails. The crazy part is, I didn't expect him to show up for closing. As my wife and I sat down at the conference table, guess who popped up. John and his assistant. These guys rock! If you are looking for a mortgate broker, call the Hardimon Team!
Arthur W Jun 19, 2017
Great people, good service!
Kelli B Jun 19, 2017
Lera and John were exceptional and patience during this tumultuous times for me. JOB WELL DONE.
Basil S Jun 16, 2017
Tyler S Jun 08, 2017
Sonia S Jun 05, 2017
John worked with me to understand what I really needed in a home equity loan. A change in household income made it necessary for me to pay off my credit card debt and some of my student loan debt. I am grateful for his enthusiasm and efforts. His team was diligent and patient.
Aimee R May 21, 2017
The service I received through the Hardimon team was outstanding.
Richard L May 19, 2017
We had the pleasure of working with John who helped us get the best interest rate in the market that we could be eligible for. He and his team went above and beyond to ensure all the paperwork is complete and signed on time. They were very swift, professional in their responses, answered all questions and set the right expectation. We appreciate their patience and dedication in ensuring we as customers were taken care of. I would strongly recommend anyone willing to get a loan at a great rate!
Vidya P May 19, 2017
Communication and response time. Especially Kendra
CAROLINE R May 18, 2017
Great personal attention and the teams efforts to work for me!
David D May 18, 2017
They had excellent service. Answered all our questions. Really helped thru the whole process. They always kept in touch and made sure we were good.
Cruz C May 18, 2017
John and his team were wonderful to work with. They were very accessible and provided great support during the home buying process. I would recommend then to anyone!
Michael L May 15, 2017
Quick turnaround on the preapproval process. Great team making your situation a top priority/
Kevin K May 15, 2017
Stephen S May 15, 2017
John and his team were always available to answer questions and were quick to respond. They made the whole process run smoothly.
Jeanne S May 15, 2017
ejaz u May 10, 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 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.