Lori Serpas, Eustis Mortgage

5.0 star review received on Experience.com for Lori Serpas by Brittany B - Lori was incredibly helpful and made me feel so calm

New ★★★★★ 5 Star Experience.com Review by Brittany B Click to see all 238 reviews of Lori Serpas, Loan Officer| NMLS # 297932

5.0 star review received on Experience.com for Lori Serpas by Roshanika W - Lori was very informative. She practically held my hand every step of the way. I ask a lot of questions and even with a two hour time difference, she did not falter with communication. We hit many bumps in the road, but she didn’t quit on me. If it wasn’t for her, I would’ve lost my dream house.

New ★★★★★ 5 Star Experience.com Review by Roshanika W Click to see all 236 reviews of Lori Serpas, Loan Officer| NMLS # 297932

5.0 star review received on Experience.com for Lori Serpas by Ann D - Lori is absolutely fabulous to work with. I’ve bought several houses over the years and she by far was the most knowledgeable and willing to take the time to explain everything and answer my questions. She was always accessible and quick to respond. And most importantly, she made what is often a stressful experience, very easy and actually enjoyable. I would absolutely recommend her to anyone. Great job!

New ★★★★★ 5 Star Experience.com Review by Ann D Click to see all 236 reviews of Lori Serpas, Loan Officer| NMLS # 297932

5.0 star review received on Experience.com for Lori Serpas by Vlad D - The fast responsiveness to any of our concerns was really comforting for us. Also the professionalism, and the friendliness that we were tested with during the process of buying our new home made the whole experience great.

New ★★★★★ 5 Star Experience.com Review by Vlad D Click to see all 235 reviews of Lori Serpas, Loan Officer| NMLS # 297932

📣Breaking News!!
FHA eliminates requirement for sourced gift funds! Call me for details!

HAPPY JUNE!! Summer is officially here and that means a lot for home-buyers! The market has definitely picked up! I am seeing a lot of multiple offer situations.
I am happy to not only be able to provide you with a lot of program options to get in a home with potentially no money out of pocket, but I can also get your loan fully approved before you ever shop for a home! This means your offer will be as good as a cash!!
Call or pm me to get more information, I am always available to assist you, 7 days a week!

5.0 star review received on Experience.com for Lori Serpas by Sherrie I - Lori is a dedicated professional, honest and goes the extra mile to help her clients. It has truly been a great experience working with her. She is great and I would refer her to anyone wanting to purchase a new home. She will make it happen!!

New ★★★★★ 5 Star Experience.com Review by Sherrie I Click to see all 229 reviews of Lori Serpas, Loan Officer| NMLS # 297932

5.0 star review received on Experience.com for Lori Serpas by Latricia J - all my questions were answered, no matter the questions. Mrs.Lori is very friendly and professional. i will be recommending friends and family members soon.

New ★★★★★ 5 Star Experience.com Review by Latricia J Click to see all 228 reviews of Lori Serpas, Loan Officer| NMLS # 297932

5.0 star review received on Experience.com for Lori Serpas by Raymond L - Great to work with.

New ★★★★★ 5 Star Experience.com Review by Raymond L Click to see all 227 reviews of Lori Serpas, Loan Officer| NMLS # 297932

5.0 star review received on Experience.com for Lori Serpas by Mary G - I can’t say enough great things about Lori! She is so incredibly knowledgeable, communicative, caring, and was the glue that held my entire home buying process together! She knows her job inside and out, I knew that I could trust her when she said she was going to take care of something. Besides that, I can see how well she knows her business and how much she cares. When I felt nervous she was able to calm my fears because she really cares and knows how to explain things to someone that is new to home buying. I’ll recommend her to everyone, she is a star!!

New ★★★★★ 5 Star Experience.com Review by Mary G Click to see all 226 reviews of Lori Serpas, Loan Officer| NMLS # 297932

I would like to wish everyone a Happy Easter✝️

Come out tomorrow and see this charming property and have some lunch with us!

With us, you can uncross your fingers and relax because seven decades of home financing and thousands of 5-star customer reviews aren’t achieved by knocking on wood.

Happy Friday!

Time is money, which is why we hustle from sun up to sundown, so our customers can start growing equity ASAP.
Check this out: Save a ton of time with our Confirmed Buyer Pre-Approval Program.

We're able to help you close on your new home 7-10 days sooner than the average buyer by having our underwriter review your financial documents and conditionally approve the loan before you make an offer.

When negotiating with the seller, you can emphasize the peace of mind that comes with knowing your offer is as good as cash. By processing in advance, we've already addressed most common hiccups, preventing last-minute issues.

Reach out now to apply!

ASK ME ANYTHING IN THE COMMENTS BELOW!! As a mortgage loan officer, I make it a priority to allow customers and partners to reach out to me directly at any time! No hold music, no robots, no call centers. Financing a home is a huge commitment, so I make it a priority to foster genuine relationships with my community. There’s no such thing as a dumb question, so don’t hesitate to reach out to me! The weekends get busy with home shopping and you may need to get your approval letter in hand ASAP to submit your offer, I am here for that as well, no waiting until Monday!

Spring is the best time to get those home projects done that have been put off through the winter months. If you have projects or renovations you would like to get done before the heat is here, call me to see about using your homes equity to get the cash you need to make it happen!

If you are in the market to purchase a home and are having a hard time finding something to your liking or that checks all your boxes, this could be a great option for you! Find a property in a location you desire, school district, or whatever your wishes might be and renovate it! This program allows you to add the cost of the renovations to the purchase price and finance all under one low interest rate! Call me for more details and get to shopping for your dream home in the making!

😍 Come join us Wednesday, 1/24 from 11:00-1:30 for broker tour! 🕚 This is a cooperative broker tour with two amazing multi-family listings to see! Double door prizes 💲💲, king cake 💜💚💛👑, and mimosas 🥂.

⭐️2739-41 Bruxelles St. New Orleans, LA 70119
Listed by: Regen Klein with Keller Williams Realty Professionals
Sponsored by: Lori Serpas with Eustis Mortgage

⭐️2733-35 Bruxelles St. New Orleans, LA 70119
Listed by: Jewel Bakewell with Crown Jewel Realty, LLC

Simple math: Homeownership builds your wealth over time while boosting your net worth with equity. Equity is the current value of your home minus what you owe on the loan. It increases when you pay down your loan over time, while home price appreciation drives up your home's value. On average, nationwide, home prices appreciated by 288.7% over the last 32 years. That means homeowners grow their net worth significantly in the long run.

PS: 32 years ago, interest rates were higher than they are now.

Scammers are impersonating the Consumer Financial Protection Bureau (CFPB) using employee names to deceive the public, especially targeting older adults through phone or video calls.
The CFPB will NEVER contact you and ask you for sensitive information or to pay money. This includes never asking you to pay an upfront fee or taxes, or telling you that you’ve won a lottery, sweepstakes, or class-action lawsuit. We also won’t ask you for personal or sensitive information before you can cash a check we’ve issued.
The latest phone and video scams may include:
A phone or video call or an email from an imposter claiming to be a CFPB or other U.S. government official.
Messages or calls notifying you of an opportunity to participate in a class-action lawsuit, or that you’ve won a lawsuit or owe money you didn’t expect.
Being told you must first pay taxes or another upfront fee to collect the money. They may continue to find “reasons” for you to pay more fees or taxes. It is all part of the scam.

If you’re contacted by someone from the CFPB and want to confirm whether it’s real or a scam, call the consumer call center at (855) 411-2372 between 8 a.m. and 8 p.m. ET, Monday through Friday.

What would you do with an extra couple of hundred dollars each month? Reach out today to buy or refinance!

Today, we honor Martin Luther King Jr.'s profound influence on the ongoing struggle for equality and justice. King was on the front lines in the fight against the systemic exclusion of people of color from certain areas, which caused segregation and confinement to low-income areas with substandard housing.

His voice sparked a nationwide uprising, leading to the landmark Civil Rights Act of 1964, notably strengthening voter rights and desegregating schools. While progress was made, housing discrimination persisted, prompting King's continued advocacy for fair housing. Tragically, in 1968, he was assassinated, and in response, Congress quickly passed the Fair Housing Act as part of the Civil Rights Act, underscoring the urgency of progress despite the challenges that remained.

The best part of our job is finding ways for families to achieve upward mobility and generational wealth through homeownership. We hope that today serves as a reminder that it is everyone’s duty to continue Dr. King’s legacy and fight injustice to the best of our ability for the sake of future generations.

Reporting housing discrimination is easy; simply call HUD's Fair Housing Equal Opportunity Department at 1-800-669-9777 or visit www.hud.gov/fairhousing

Tired of putting your landlord’s kids through college with outlandish pet fees? Live on your own terms as a homeowner! We offer a wide range of flexible mortgage options, personalized service, competitive rates, quick processing, and user-friendly online tools to get you there.

When you apply for a mortgage, we look at your Debt-to-Income Ratio (DTI). It's a percentage that shows how much of your income goes towards paying debts. The DTI is calculated by dividing the total monthly debt payments by the gross monthly income and multiplying by 100.

The lower the DTI, the better. Ideally, lenders prefer a debt-to-income ratio lower than 36%, with no more than 28% of that debt going towards servicing a mortgage or rent payment.

28/36 Explained:
Monthly Housing Expenses: Don’t exceed 28% of your gross monthly income.
Monthly Debt payments combined: Don’t Exceed 36% of your gross monthly income.

For instance, if your household earns $6,000 per month, your ideal housing budget should be $1,650 or less. However, if your total monthly debt already amounts to 12% of your income, you need to adjust. To comply with the 36% limit, you should aim for 24% or less on housing. If you find housing for $1,300 a month (about 22% of your income) and your total debt is at 34%, you are within the 28/36 rule. With no additional debt, you can even take on up to 36% of your income in mortgage payments without posing too much risk to the lender, or yourself.

Location is everything, and there are too many factors for one person to decipher. Just like a realtor offers guidance on things such as the size of your family, schools, commute, and lifestyle, a loan officer helps you weigh out the costs.

Property taxes vary by jurisdiction. We can determine the amount of your property taxes by assessing the property's value with considerations for exemptions, deductions, and other assessments.

Location affects your homeowners' insurance by assessing the risk factors associated with that specific geographic area, including the likelihood of natural disasters, crime rates, and local building costs.

Appraisal and Property Value: The location influences your home's market value, impacting the loan amount and potential interest rate.

It’s a lot, so do yourself a favor by partnering with a local agent and mortgage lender to plant your roots where you’ll flourish.

5.0 star review received on Experience.com for Lori Serpas by Dustin P - Miss Lori always kept us up-to-date. She was easy to get in touch with, and answered any questions we had. I would recommend her to anyone she was so sweet and kind and I can’t thank her enough.

New ★★★★★ 5 Star Experience.com Review by Dustin P Click to see all 225 reviews of Lori Serpas, Loan Officer| NMLS # 297932