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    We want to make your home financing as easy as it can be. With Finance Home America Mortgage, you can relax while we handle the details.

    You can get a loan before you even select a home. A Finance Home America 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.

    • Application
    • 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.

    • Processing
    • 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.

    • Underwriting
    • 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.

    • Closing
    • 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

    What is the difference between a fixed-rate and an ARM mortgage?

    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.


    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.

    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.



    Finance Home America, a division of Eustis Mortgage Corp., is a full-service professional mortgage banker offering a host of diverse, flexible mortgage packages for customers with a variety of backgrounds and needs. Whether you’re interested in purchasing a new home, refinancing your current home or renovating your existing home, Finance Home America is here to help you find the loan options that fit your individual needs. We make the home loan experience simple by providing you with personalized service from our mortgage exports and ensuring that you are empowered with knowledge from a variety of resources.

    Eustis Mortgage Corp (“EMC”), located in New Orleans, La, has been in business since 1956. EMC is licensed in LA, TX, MS, and AL. Most lenders have similar products, pricing, technology and systems; however, we think that many leave the business because they do not have long term perspective. This long-term perspective helps us differentiate between the latest fad and a true change in the industry that we embrace, manage, and use to create value for our customers and staff. We have a strong and genuine belief in the “building customers for life” principle of business and referrals from previous customers and local real estate professionals have always delivered the majority of our production.

    All of the processing, underwriting, and closing is performed in Houston Tx with a staff that has been together for over 15 years. Unlike most Mortgage Bankers, our operations staff is available to meet without borrower(s), realtors, and builders to discuss individual loans and to keep abreast of the many changes occurring in our business. We conduct training classes to our clients relating to a vast array of topics; from product guidelines, sharing marketing strategies and designing marketing material to assist our clients in their individual business endeavors.

    We are Finance Home America. You’re more than a number to us. You are the reason we are in this business.


    We lead by full engagement, we lead by example, we lead by empowering employees. Our leaders help each other reach their full potential Our passion for serving guarantees that we always develop the next generation of leaders to take care of our clients.


    As a company, we must always be the driver of change we want to see in the world. The thought process of 'because it has always been done that way' stops at the doors of our office. Instead, we will continuously challenge our process and technology. Always striving to make our clients experience better and providing avenues for our employees to grow.


    The needs of our clients are the most important part of our organization. Our learn puts aside the need to be right to make sure we get it right for the client every time. The focus gives us the ability to WOW our clients and turn them into raving fans.


    We are a company that welcomes diverse backgrounds and experiences. That diversity will unite us together to allow us to achieve our mission.


    Helping clients realize the American dream is our purpose, but we won't stop there. We realize that we have a responsibility to do more. This company will inspire our people to change the world. Our history shows this, and our future will embrace it.

    We've been in the mortgage business since 1956 and many of our clients have been coming back again and again since we opened our doors over 60 years ago. They know they can always rely on us for the information and service they expect and deserve. And you can, too.


    Regional Manager
    Cell: (713) 504-1988

    Jerry entered the mortgage industry in 1993, when he opened the wholesale origination channel for Aegis Mortgage Corp. In this role as National Sales Manager, Jerry helped Aegis establish operations in over 20 states while consistently earning top production awards throughout his 7 years with the company.

    Jerry subsequently joined Fleet Bank at the Southwest Regional Manager for Wholesale Lending and remained in that role until Fleet sold their production platform. Subsequently, Jerry formed a partnership with Sebring Classic Mortgage with Jerry serving as President and Partner. Upon the closure of Sebring Capital, Jerry formed Classic Home Financial which continues to operate for over 10 years. During this period, Finance Home America was established as the retail changed of Classic Home Financial operating throughout Texas.

    In March 2015 Jerry joined the Eustis Family of Companies by merging the Finance Home America operations with Eustis. Jerry remains a principal of Finance Home America serving as President. His focus has been the establishment of a wholesale channel throughout the Eustis’ operating area. In addition, Jerry has led the creation of a retail channel in Texas that compliments the existing Eustis retail network.

    Prior to beginning his mortgage career, Jerry owned and operated Borden milk distributorship, was a professional Bass Fisherman, sold fishing products and raised 2 children. Jerry is a strong supporter of Texas Sentinels, an organization founded to help our wounded veterans. He still enjoys hunting and fishing and now has four grandchildren to spoil and then send home. He is married to Mylena Alred, who has been his partner in the mortgage industry since early in his career.


    Regional Manager
    Cell: (713) 504-1988

    Mylena began her mortgage banking career in1982, working for Lomas & Nettleton in Dallas, TX. Throughout her career, she has worked as a processor, licensed Loan Officer, closer, and underwriter. She obtained her FHA underwriting CHUMS in 1987 as well as her VA designation, and continues to underwrite all loan types.

    Mylena began working in the wholesale arena in 1988 when she joined Greenwich Capital Mortgage. Subsequently, she helped form the wholesale channel of New America, joining forces with the same group she had worked with in Greenwich. In her role as Operational Manager, Mylena participated in the growth and expansion of New America over the next 4 years.

    In March 2015, Mylena joined the Eustis family of companies by merging the Finance Home America operations with Eustis. Mylena remains a principal of Finance Home America serving as Senior Vice President, Operations Manager. Mylena is actively involved in the continued growth of Finance Home America in both the retail and wholesale channels.

    Mylena is recognized throughout the industry for her operations expertise. She is married to Jerry Alred, her partner in Finance Home America. She has four grandchildren; 2 spoiled labs; enjoys her beach home in the Galveston area and still has a passion for the mortgage industry. She looks forward to many more years helping homeowners obtain their dream of homeownership while enjoying her job and working with exceptional people.


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