Legacy Mutual Mortgage puts you first

You Are Our #1 Priority

Legacy Mutual Mortgage likes to think of its customer as more than just a transaction and our referral partners as more than just another realtor. Legacy is built on some simple, yet paramount, core values:

  1. Do the right thing.
  2. Show people you care.
  3. Do your personal best.

What this translates to for Legacy employees, referral partners, and customers is a company that operates with the highest of integrity, respect, and a culture of customer service that is not only expected but required.

We Offer

Better Financing Solutions

USDA Loans Icon

USDA Loans

  • No Downpayment Required
  • Very low mortgage insurance costs
  • Area Restricted
  • Income Limits
  • Loan amounts as high as income will allow

USDA Loans

The US Department of Agriculture USDA provides low down payment options to qualified borrowers, at very low interest rates, and with very low mortgage insurance premiums. If you are buying a home in an Rural Development -eligible area, and meet the program requirements, this loan is perfect for you.

Apply Now

Veteran's Affairs Loans

  • For active duty military, veterans, and their spouses.
  • No Downpayment & No monthly mortgage insurance required
  • Credit Scores down to 580
  • With enough eligibility, VA benefit can be used multiple times
  • Quick & Easy refinance available on current VA loans

Veteran's Affairs Loans

The Department of Veterans Affairs (VA) offers financing on primary residences for Veterans. The VA determines eligibility and issues a certificate to qualifying applicants to submit to their mortgage lender of choice. It is generally easier to qualify for a VA loan than conventional loans.

Apply Now

FHA Loans

  • Most flexible Qualifying Criteria
  • Credit Scores down to 580
  • 3.5% Downpayment Required (even on multifamily properties)
  • Downpayment Assistance options available
  • Loan amounts up to $420,680 in most areas (single family)

FHA Loans

FHA Loans are insured by the Federal Housing Administration (FHA), a branch of the U.S. Department of Housing and Urban Development, or HUD. FHA is often the best option for people who need a little extra flexibility when qualifying for a new home mortgage. You do NOT need to be a first time buyer - anyone who is buying a new home to use as their Primary Residence, or Second Home is eligible.

Apply Now

Conventional Loans

  • Loan Amounts up to $647,200 in most areas
  • No mortgage insurance with 20% down
  • Downpayment requirements as low as 3%
  • Mortgage insurance can be canceled with enough equity
  • Construction loan options

Conventional Loans

Conventional loans are the most common and widely available mortgage option. For borrowers with good credit, balanced income, debt and some down payment, they are often the least complicated way to get the most flexible mortgage options.

Apply Now

Proven process & support to closing & beyond 

STEP 1: PRE-APPROVAL

The first step in the mortgage process is to get preapproved. It is our initial job to gather from you your credit, income, and asset paperwork in order to place you in the best mortgage product.

STEP 1: PRE-APPROVAL

We make sure you will approve for the mortgage you are seeking. We want to make sure your 2 most important questions are answered. How much is buying a home going to cost me? And what price range should I shop to satisfy my budget.

STEP 2: APPLICATION

After you have found the home of your dreams and a seller accepts your offer, it is our job to put together the formal loan paperwork to include all your information provided during the preapproval process along with the specifics of your sales contract.

STEP 2: APPLICATION

One of the more important disclosures you will receive is called a loan estimate which will break out for you as close as we can possibly get to what your mortgage payment and cash to close will be.

STEP 3: PROCESSING

Our highly organized and efficient processors will work with you to prepare your loan to be approved by our underwriting department. They have a tough job with the scrutiny they are under and the paperwork required, but keep in mind their ultimate goal is to make you look as good as possible to our underwriting department.

STEP 3: PROCESSING

Your Loan Processor will help organize the completion of your appraisal and title work as well as make sure your contract dates are reached and you happily close on your home on time.

STEP 4: UNDERWRITING

An underwriter is ultimately the one who approves your loan. They have a lot of boxes to check when it comes your finances and the property itself.

STEP 4: UNDERWRITING

They work quickly and efficiently to approve loans within 24-48 hours to make sure your loan is cleared with ample time to prepare for closing.

STEP 5: CLEAR TO CLOSE

When the underwriter issues to us a clear to close to us, it is time to prepare for closing. Our closing department balances out for you all your final closing details with a title company or attorney’s office.

STEP 5: CLEAR TO CLOSE

You will have the ability to electronically pre-view and sign a majority of your closing paperwork before the actual day of closing. On the day of closing, you will sign the more important forms by hand and then receive the keys to your new home!

Resources To Get You Started

See Your Estimated Payment

Loan Calculator

This is only Principal & Interest Estimate monthly payment ONLY. This payment doesn’t include Taxes or Insurance. Your entire payment will include Principal, Interest, Taxes and Homeowners Insurance and may include Mortgage Insurance (if applicable)

Apply At Your Convinience

Online Application

One of our experienced Loan Originators will evaluate your credit, income, and assets to determine what ranges of home prices you qualify for. Once this process is complete, you will receive a Pre-Approval letter that solidifies you as a strong buyer, to submit with your offers. Sellers are more likely to accept offers from Buyers who provide a pre-approval letter because they know your documents have been reviewed by a lender and it clearly states that you are capable of satisfying all financing aspects of the purchase contract.

What our clients say about us?

Michael T C
The easiest and smoothest refi I ever did! They took care of everything and I had to do minimal preparation or paperwork on my end! Highly recommended!
Michael T C
Lakeland, FL
Brian C
You are Amazing at what you do and you make it so simple for all your clients. This process was a walk in the park thanks to you! Your definitely the G.O.A.T in this Industry in my Book. WONDERFUL JOB!!!
Brian C
Dundee, FL
You are Amazing at what you do and you make it so simple for all your clients. This process was a walk in the park thanks to you! Your definitely the G.O.A.T in this Industry in my Book. WONDERFUL JOB!!!
Brian C
Brian C
Dundee, FL
Deedra L G
This mortgage group has a team that truly takes care of their clients. They are personable, understanding, informative and solution oriented. They're just good at what they do and I couldn't have asked for a better mortgage company to work with. They're more than GREAT, they are AWESOME!
Deedra L G
Lakeland, FL
This mortgage group has a team that truly takes care of their clients. They are personable, understanding, informative and solution oriented. They're just good at what they do and I couldn't have asked for a better mortgage company to work with. They're more than GREAT, they are AWESOME!
Deedra L G
Deedra L G
Lakeland, FL
Lisa R
I liked that we were able to sign our documents remotely, that we were kept abreast of the loan processes, and that everyone we spoke with was friendly and helpful.
Lisa R
Davenport, FL
I liked that we were able to sign our documents remotely, that we were kept abreast of the loan processes, and that everyone we spoke with was friendly and helpful.
Lisa R
Lisa R
Davenport, FL
Courtney G K
We had to switch lenders 2 weeks into our 30 day closing process and your team made it absolutely seamless for an ON TIME closing!!! 11/10.
Courtney G K
Lakeland, FL
We had to switch lenders 2 weeks into our 30 day closing process and your team made it absolutely seamless for an ON TIME closing!!! 11/10.
Courtney G K
Courtney G K
Lakeland, FL
Robertha S
Your company walks you through a process that can be very daunting and overwhelming. You take the complex and make it simple. In addition, extra effort is made to make what seems like a dream at first become a reality. The promptness, professionalism, and personal contact with your lender was incredibly helpful. Thank you for my new home.
Robertha S
Lakeland, FL
Your company walks you through a process that can be very daunting and overwhelming. You take the complex and make it simple. In addition, extra effort is made to make what seems like a dream at first become a reality. The promptness, professionalism, and personal contact with your lender was incredibly helpful. Thank you for my new home.
Robertha S
Robertha S
Lakeland, FL
Michael T C
The easiest and smoothest refi I ever did! They took care of everything and I had to do minimal preparation or paperwork on my end! Highly recommended!
Michael T C
Lakeland, FL
The easiest and smoothest refi I ever did! They took care of everything and I had to do minimal preparation or paperwork on my end! Highly recommended!
Michael T C
Michael T C
Lakeland, FL
Brian C
You are Amazing at what you do and you make it so simple for all your clients. This process was a walk in the park thanks to you! Your definitely the G.O.A.T in this Industry in my Book. WONDERFUL JOB!!!
Brian C
Dundee, FL