Business Details
25 Years
experience
Your Trusted Mortgage Partner in Tyler, TX
Legacy Mortgage Group was founded in 2001 with a mission to transform the mortgage experience for homeowners in Tyler, Texas, and beyond. Our team of licensed professionals brings decades of combined expertise to the table, ensuring clients receive personalized guidance through every step of the home loan process. We specialize in accessing competitive rates from over 200 national lenders, offering conventional, FHA, VA, USDA, jumbo, and first-time homebuyer loans tailored to individual financial situations. Our commitment to exceptional service is reflected in our 5-star Google rating from over 350 reviews, with clients consistently praising our transparent communication and stress-free closings. As a locally owned business, we prioritize building lasting relationships with our clients, treating each customer like family while maintaining the efficiency of a streamlined digital process.Our NMLS-certified team members work tirelessly to secure the best possible terms for every client, leveraging their industry knowledge to simplify complex mortgage decisions. We operate with integrity as our foundation, ensuring all transactions comply with state and federal regulations while maintaining membership in the Texas Recovery Fund for added consumer protection. From initial consultation to final paperwork, our goal remains unchanged since our founding: to glorify God by providing an exceptional mortgage experience that empowers homeownership.
Services
Conventional Loans
VA Loans
FHA Loans
USDA Loans
Jumbo Loans
First-Time Homebuyer Loans
Down Payment Assistance
Details
- Year established: 2001
Highlights and features
- We offer ultra-low mortgage rates guaranteed through nationwide lender networks
- Our team maintains a 5-star rating from over 350 verified client reviews
- We provide efficient closings with streamlined processes developed over 20+ years
- Our services are completely free to clients with lender-paid commissions
- We specialize in matching clients with optimal loan products from 8+ loan types
Associations and certifications
- NMLS 355969
What people say
Best home buying experience
Exceptional communication
Lowest mortgage rates
Genuine care
Painless process
Services
Conventional Loans
Our conventional loan program offers competitive rates with flexible terms for borrowers with strong credit profiles. These mortgages follow Fannie Mae and Freddie Mac guidelines, providing options for primary residences, investment properties, and second homes. Our experienced loan officers help clients navigate down payment requirements and mortgage insurance considerations to find the most suitable financing solution.
VA Loans
We specialize in VA-guaranteed loans for eligible military personnel, veterans, and surviving spouses. These loans offer 100% financing with no down payment requirements, competitive interest rates, and no private mortgage insurance. Our dedicated team assists clients through the VA loan process, ensuring compliance with Department of Veterans Affairs regulations while maximizing benefits for service members.
FHA Loans
Our FHA loan program provides accessible homeownership opportunities with low down payment options and flexible credit requirements. These mortgages, insured by the Federal Housing Administration, are ideal for first-time homebuyers and those with limited credit history. We guide clients through the FHA loan process, explaining mortgage insurance premiums and property requirements to ensure informed decisions.
USDA Loans
We offer USDA Rural Development loans for eligible properties in designated rural areas. These 100% financing options include competitive interest rates and favorable terms for qualified borrowers. Our team verifies property eligibility and assists with income requirements to help clients achieve homeownership in qualifying locations without traditional down payments.
First-Time Homebuyer Loans
Our first-time homebuyer program combines specialized loan products with down payment assistance options. We provide comprehensive guidance on available grants, closing cost assistance, and educational resources to simplify the purchasing process. Our counselors explain program requirements and help clients qualify for favorable terms through state and federal initiatives designed for new homeowners.
People
Derek Jones
Owner, RMLO
With over 20 years of mortgage industry experience, Derek founded Legacy Mortgage Group in 2001 after identifying the need for more transparent loan processes. He holds NMLS #351473 and personally oversees loan officer training to maintain our high service standards.
Scott Roycroft
Loan Officer
NMLS #1642150 Scott specializes in finding optimal loan terms for clients, ensuring smooth legal processes during closings. With extensive experience in mortgage compliance, he provides personalized guidance to help clients understand their financing options.
Sharon Harty
Loan Officer
As NMLS #2056325, Sharon focuses on behind-the-scenes coordination to ensure seamless loan experiences. Her attention to detail and commitment to client satisfaction make her a trusted advisor for homebuyers navigating the mortgage process.
Amber Burt
Loan Officer
NMLS #2232909 Amber helps clients find affordable mortgage solutions tailored to their financial situations. With expertise in down payment assistance programs, she guides first-time buyers through available options to achieve homeownership goals.
Lee Reynolds
Loan Officer
Lee, NMLS #1233787, brings 15+ years of financial industry experience to help clients realize their homeownership dreams. His knowledge of local real estate markets and mortgage products ensures clients receive well-informed guidance.
Questions
How do you get the best mortgage rates in Texas?
As mortgage brokers with access to 200+ national lenders, we shop your loan to find the lowest available rates rather than being limited to one institution's offerings.
How much house can I afford?
Typically 2-3 times your annual income, but we analyze your employment history, credit, debts, and down payment ability to determine exact affordability.
Do I pay your commission?
No, our services are free to clients. Lenders pay our preset commission, so you never have any additional costs.
What does my mortgage payment include?
Principal, interest, taxes & insurance (escrowed or paid separately), and PMI if applicable. We explain each component during your loan consultation.
Which mortgage type is best for me?
We evaluate your financial situation, homeownership goals, and market conditions to recommend fixed-rate, adjustable-rate, or specialized loan programs.
How are you different from banks?
We offer broader lender options, lower rates through competitive shopping, and personalized service with loan officers available evenings and weekends.