At Vista Mortgage Corp., we treat each customer as an individual, not a number. We don't place you into a loan profile formula created by the banking industry. We use "common sense" and will help you obtain the best loan possible. We represent a wide range of "A" rated lenders with first quality rates to private "hardship" lenders.
We work with more than 100 investors. This allows us to get you the best rates on all types of loan programs including: 30yr mortgage, 20yr mortgage, 15yr mortgage, 10yr mortgage, 1yr ARMS, 3yr ARMS, 5yr ARMS, Conventional, Jumbo, Home Equity Lines, VA and Commercial. Whether your situation calls for Full Documents, No Documents, Non-Owner Occupied (Investor) or Multi-Family, we'll fit your needs!
We work with more than 100 investors. This allows us to get you the best rates on all types of loan programs including: 30yr mortgage, 20yr mortgage, 15yr mortgage, 10yr mortgage, 1yr ARMS, 3yr ARMS, 5yr ARMS, Conventional, Jumbo, Home Equity Lines, VA and Commercial. Whether your situation calls for Full Documents, No Documents, Non-Owner Occupied (Investor) or Multi-Family, we'll fit your needs!
Services
If you're like most people, purchasing a home is probably one of the biggest investments you'll ever make in your lifetime. If you're considering buying a home, you're likely aware of the complexity of the endeavor. Because of the numerous factors to consider when purchasing a home, it's important to prepare as best you can.
To apply for a loan, you will have to provide the lender with detailed documentation of your financial history. The lender will request a credit report from a credit agency and will verify the information provided in your loan application. Evidence of any other assets such as bonds, stocks, or money saved in retirement programs i.e.
Refinancing is often used to lower your interest rate. If rates have dropped since you last financed your home, you may want to consider refinancing. Other common reasons to refinance include paying off a balloon payment, converting an adjustable rate loan to a fixed rate loan or to extract cash equity in your home (cash out).
Cashing out refers to the refinancing of a loan where the borrowers will borrow money on their own home. If a home is appraised at $100,000 and the borrower's outstanding mortgage loan is $60,000, it is possible to enter into an 80% cash-out refinance transaction for a loan of $80,000 (80% of $100,000).
This calculator will help you to decide whether or not you should refinance your current mortgage at a lower interest rate. Not only will this calculator calculate the monthly payment and net interest savings, but it will also calculate how many months it will take to break even on the closing costs.
Reviews (10)
Christina Eberhardt
Dec 04, 2021
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I honestly can't say enough good things about working with Mike Deshotels. My loan had been pre-approved by two different lending companies and then declined close to closing both times. I had used Mike on a past house but because I had moved out of the area it didn't dawn on me to call him up until my mother said something to me. And sure enough... best call I ever made. He got my loan through in NO time and I'm even closing two days early now! I will NEVER try another lender without going to Mike first. Mike, you are amazing and I literally couldn't have done this without you. Thank you!!!
Gdisco
Jul 16, 2021
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Mike at Vista Mortgage has over 30 years of experience, so his professionalism made the process of applying for a loan go very smoothly for me. I asked plenty of questions, and he is always patient and kind with his responses. His availability to help definitely eased my nervousness about buying a home. His vast experience sped up the loan process so that I could purchase my home quickly, even during this current housing market. I highly recommend that you use Vista Mortgage for all of your mortgage needs. I am extremely happy!!
Jenny Reitz
Jul 16, 2021
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I can't recommend Mike and Vista Mortgage highly enough. They did such an incredible job in our home buying process. There were a lot of twists and turns along the way and Mike and the team accounted and prepared for all of them. If you're looking for a home loan, Vista Mortgage is the way to go. We are so grateful for them!
Jeannie Long
Jun 01, 2021
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Chantoinae Phillips
Apr 25, 2021
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Mike Deshotels is amazing, thorough, and logical. He gives you realistic lending options and explains every unclear concept to ease all uncertainty. His prequalification process basically prepares you for the underwriting procedures during the lending process and is so smooth and seamless AND quick because of the pre-work he does to get you to the process. Mike makes sure to explain to you how all assets and liabilities are calculated and insures that once you've bought the property, you will not be "house poor". He would always say that to me lol. He treated me as if he genuinely wanted to see
John Lester
Mar 07, 2021
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Matthew Vaughan
Feb 05, 2021
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Paula Davis
Aug 20, 2020
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Griselda Soto
Aug 03, 2020
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Forever thankful for everything Mike did for us! We contact him 1 month before our house was done after having some issues with our first lender . I had little hope but Mike worked on things fast and made sure everything was taken care of for our closing. He made the process very clear and easy . Took the time to answer all my question via phone and emails even after hours! Highly recommended!
Dawn Sumrall
May 28, 2019
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