Academy Mortgage

Trying to get approved for a mortgage? Here's a tip: DON'T max out or overcharge on your credit card accounts. It’s ALWAYS a bad idea. For a complete list of DO's and DON'Ts, contact me today! #1stCHOICELender

Trying to get approved for a mortgage? Here's a tip: DO keep working at your current employer. Now’s not the time for that professional move; let’s revisit AFTER I get you into a home. For a complete list of DO's and DON'Ts, contact me today! #1stCHOICELender

Trying to get approved for a mortgage? Here's a tip: DON'T join a new fitness club. Those New Year’s resolutions will have to wait. For a complete list of DO's and DON'Ts, contact me today! #1stCHOICELender

QUESTIONS WHEN SHOPPING FOR A MORTGAGE When shopping for a mortgage, you will find that most will be pretty close to each other in rates and fees. Rates mean nothing if your loan is not approved or can’t close on time! Today, with all the uncertainty and strict guidelines, you really need to work with a lender who can get your loan approved and closed quickly and efficiently. How do you find such a lender? Here are some questions to ask:... Are you lending your own money? As a direct lender, Academy Mortgage controls the process from application through closing and funding. We lend our own money, so we make the decision to lend. How many people will be involved in the loan process? At Academy, it’s the loan officer, processor, and underwriter. That’s it. You will always know what is happening with your loan. Who will do the appraisal and how will it be assigned? Academy uses experienced, local appraisers whom we assign on a rotational basis. Many other lenders use third-party appraisal management companies that put the appraisal out to bid; in such cases, the appraiser with the lowest bid, regardless of experience or local knowledge, often gets the assignment. How fast can you close? Because we are a direct lender, Academy can adjust priorities if necessary. This is particularly important when purchasing short sales where the time frame to close is short after the servicer of the existing loan agrees to the short sale. Can your loan officers work directly with the underwriters? Academy has in-house underwriters who answer questions, resolve issues, and understand that every loan has individual characteristics that DESERVE PERSONAL ATTENTION. Who prepares the closing package and arranges funding? Academy has closers in our branches who make sure your loan closes on time and without surprises. Many other lenders have centralized closing departments that are unfamiliar with the file and have multiple conflicting priorities with getting packages out. How many days in advance do you typically have the package to the settlement attorney? Academy strives to get packages out at least 48 hours prior to closing. Many other lenders end up sending packages at the last minute, which leads to a lot of stress. Settlement attorneys LOVE Academy because we make their jobs easy. They have a single point of contact (the closer) to get the package, approve the HUD, and resolve any last minute issues. Today, it’s all about execution and accountability. Purchasing a home may be one of the largest financial decisions you will ever make, so you need to work with a lender who will put your needs first and get things done fast! MAC0214-947579506

Trying to get approved for a mortgage? Here's a tip: DO let me know if you will be receiving gift money before it is deposited in your account. For a complete list of DO's and DON'Ts, contact me today! #1stCHOICELender

To all my fellow procrastinators out there, you get this. #justforfun

Today's buyers consider quite a bit when looking at available homes.

Trying to get approved for a mortgage? Here's a tip: DON'T max out or overcharge on your credit card accounts. It’s ALWAYS a bad idea. For a complete list of DO's and DON'Ts, contact me today! #1stCHOICELender

The housing market continues to improve with the arrival of spring.

Trying to get approved for a mortgage? Here's a tip: DO keep working at your current employer. Now’s not the time for that professional move; let’s revisit AFTER I get you into a home. For a complete list of DO's and DON'Ts, contact me today! #1stCHOICELender

Should you buy a home closer to a Walmart or Target?

Trying to get approved for a mortgage? Here's a tip: DON'T join a new fitness club. Those New Year’s resolutions will have to wait. For a complete list of DO's and DON'Ts, contact me today! #1stCHOICELender

Being a first-time home buyer can be full of so many steps and things to do, it can be hard to keep it all straight. Read these real-life tips for help from the pros!

From thermostats to drafty windows, get tips for saving energy and money around the house. #greenliving

Forget skipping your daily latte - that tired tip will get you nowhere. Fast-track your way to homeownership with these tips for saving big.

A low delinquency rate means individuals who have home mortgages are more capable of staying current on those loans, suggesting a strong economy, job situation and healthy housing market overall.

QUESTIONS WHEN SHOPPING FOR A MORTGAGE When shopping for a mortgage, you will find that most will be pretty close to each other in rates and fees. Rates mean nothing if your loan is not approved or can’t close on time! Today, with all the uncertainty and strict guidelines, you really need to work with a lender who can get your loan approved and closed quickly and efficiently. How do you find such a lender? Here are some questions to ask:... Are you lending your own money? As a direct lender, Academy Mortgage controls the process from application through closing and funding. We lend our own money, so we make the decision to lend. How many people will be involved in the loan process? At Academy, it’s the loan officer, processor, and underwriter. That’s it. You will always know what is happening with your loan. Who will do the appraisal and how will it be assigned? Academy uses experienced, local appraisers whom we assign on a rotational basis. Many other lenders use third-party appraisal management companies that put the appraisal out to bid; in such cases, the appraiser with the lowest bid, regardless of experience or local knowledge, often gets the assignment. How fast can you close? Because we are a direct lender, Academy can adjust priorities if necessary. This is particularly important when purchasing short sales where the time frame to close is short after the servicer of the existing loan agrees to the short sale. Can your loan officers work directly with the underwriters? Academy has in-house underwriters who answer questions, resolve issues, and understand that every loan has individual characteristics that DESERVE PERSONAL ATTENTION. Who prepares the closing package and arranges funding? Academy has closers in our branches who make sure your loan closes on time and without surprises. Many other lenders have centralized closing departments that are unfamiliar with the file and have multiple conflicting priorities with getting packages out. How many days in advance do you typically have the package to the settlement attorney? Academy strives to get packages out at least 48 hours prior to closing. Many other lenders end up sending packages at the last minute, which leads to a lot of stress. Settlement attorneys LOVE Academy because we make their jobs easy. They have a single point of contact (the closer) to get the package, approve the HUD, and resolve any last minute issues. Today, it’s all about execution and accountability. Purchasing a home may be one of the largest financial decisions you will ever make, so you need to work with a lender who will put your needs first and get things done fast! MAC0214-947579506

Trying to get approved for a mortgage? Here's a tip: DO let me know if you will be receiving gift money before it is deposited in your account. For a complete list of DO's and DON'Ts, contact me today! #1stCHOICELender

To all my fellow procrastinators out there, you get this. #justforfun