One Step Closer To Home

Let’s Get You A Mortgage You Can Manage

Gary Ashcraft NMLS: #1588530

Homespire Mortgage Corporation NMLS: #183215

Hi. I'm Gary and I'm here to help.

Buying a home is one of the greatest financial decisions one will make in their lifetime. I’ve spent my career in the healthcare industry for over 25 years advising clients on the best solution for their health care needs and now I am focused on helping clients find the right home loan for their financial situation. From application to close, I will guide you through the entire loan process and work hard to help you achieve your goals of homeownership. I pride myself on giving excellent customer service and making myself available as much as possible to speak with clients and answer any questions.

Born in Arizona and raised in West Virginia, I currently reside in Florida with my 12 year old daughter, who is the absolute light of my life! I am excited to work with you in helping you reach your dreams!

Homespire Mortgage

NMLS #183215

The Homebuying Process
Buying a Home
First time Homebuyers
Home Loan Options

  • Refinancing
  • Homeloans
  • Mortgage Center

Mid Florida Investors Group

Rental Property Management

Occasional Rental Unit

  • Foreclosure Assistance
  • Court Document Prep
  • Notary Public
  • Credit Repair

Property Listings

Creekside Village

Creekside Village is set within the well-known Bryce Resort community, where amenities range from an 18-hole golf course to downhill ski slopes. In summer, visitors enjoy tennis, miniature golf, swimming, paddleboating, fishing, and ….

Cozy Apartment Near Downtown Eustis

Great In-law suite close to downtown Eustis, FL in a great well maintained older house built in 1926. 1 bedroom and 1 bath with all the amenities. Has full kitchen, washer and dryer, sitting area, pull out sofa bed, pool and private patio. Unit will sleep four very well.

Rehab Projects

Before After

607 Dorothy Circle Eustis, Fl 32726

607 Dorothy Circle Eustis, Fl 32726 

Price Sold: $163,000 

Frequently Asked Questions

While a higher credit score gives you a better chance to qualify for a home, there are plenty of programs that work with not so perfect credit.  Some might require a higher down payment and have reserve requirements but usually there is a program that will fit anyone’s particular financial situation.

Your credit score, or FICO score,  is affected by so many different factors.  The biggest things that negatively affect your score are late payments, collections, foreclosures, bankruptcy and having high credit balances in regards to your credit limit.  Best way to keep you score up is to make sure you credit card use is lower that 30 percent of each credit limit and to make timely payments and not let any account go into collections.  Unfortunately I have seen collections for a little 50 dollars and the amount isn’t really a factor, a collection is a collection and it’s a shame to take such a hit to your score for just 50 dollars.

Well this couldn’t be further from the truth.  While have a larger down payment has its advantages there are plenty of program that let you put down a little as 3.5 percent, 3 percent or in the case of a USDA or VA loan, those programs allow you to put no money down to qualify.  Just keep in mind there are always closing costs with any loan program so you will need to have a little money saved up for closing costs but there are always ways the lender or seller can help.

Stable employment is a big concern while qualifying for a loan.  Any lender will want to make sure you are gainfully employment and its stable so you will be able to earn money to repay the loan.  A good rule is 2 years but if you just graduated college or a trade school, there are exceptions to the 2 year requirement.  Also you can change jobs during the 2 year requirement as long as its in the same trade profession and the new employment will be stable. 

While renting has its advantages for some people, paying rent to someone else benefits the landlord not you.  With owning your home you have a property that is 100 percent yours. Also you get many tax advantages from owning your own home as well as an asset the will appreciate over time and you will build equity to help your financial future not that of your landlord’s.  I know with renting you are usually not required to do maintenance and help with the up keep of a home like you would with being a homeowner, but the positive benefits of being a homeowner will always outweigh the benefits of renting.