The LOWER Team

I am, like many, rendered speechless by the continuous sacrifice and level of service so freely given by first responders, doctors, and other medical professionals, particularly during these difficult times. At Academy Mortgage, we want to extend a heart-felt THANK YOU to our heroes. For any questions or for additional details on this offer, please reach out!

50 IRRESTISTABLE FALL DESERTS! Finish your autumn feast on a sweet note with one of our delicious desserts. From decadent, chocolatey brownies to scones, cookies, and pies that bring together everyone's favorite fall flavors. https://www.hgtv.com//30-irresistible-fall-desserts-pictur

Academy Mortgage recently surprised our 2,100 team members nationwide with the announcement that our company has designated Election Day a company holiday this year. We want to give every Academy employee the opportunity to vote without having to worry about work, said CEO James Mac Pherson. We know that there are a lot of issues on our team members’ ballots that are important to them. Voting is a chance for them to make a difference and Inspire Hope by being a participant... in the democracy of our great nation, where we all have the ability to pursue our dreams. Academy encourages everyone to make a difference and ensure your voices are heard by voting in this year’s election. #voting #holiday

Earnest Money is the money you pay to show you’re serious about the purchase. Earnest money is generally 3%-5% of the home’s cost. The money goes into an escrow account until financing is arranged; at that point, it gets credited to the purchase price. If the sale doesn’t go through, the seller generally gets to keep the money.

34 ELEVATED WAYS TO DECORATE YOUR PORCH THIS FALL Sometimes a store-bought wreath just won't cut it so here are some clever ways to dress up your front porch! https://www.housebeautiful.com//fall-porch-decorating-id/

We’re honored to be featured in a special supplement that was distributed recently by HousingWire, entitled "Housing Gives Back." Due to print limitations, only a few of our team members' inspiring stories are included, but as an organization, we’re inspired and encouraged when we see our entire team's daily efforts to fulfill our vision to Inspire Hope, Deliver Dreams, and Build Prosperity. It's this commitment that we believe sets the Academy family apart. Check out the whole article here https://www.housingwire.com//academy-mortgage-inspires-ho/. Looking to join a team that gives back to your community? Contact me today! #academystrong #nowhiring

We were honored to assist 22 families last month with their mortgage needs!

Closing Costs are fees for the services and expenses required to finalize a mortgage. These may include title insurance, escrow fees, lender charges, transfer taxes, recording fees, and the lender’s origination fee for loan processing, underwriting, and funding. Closing costs are typically about 2%-5% of the loan amount.

Escrow is a neutral third party that handles money for buyers and sellers, such as earnest money, homeowners insurance, and property taxes.

Whether it’s your first holiday in your new home or you’ve been celebrating there for years, decorating for the holidays is a great way to add your personal touch to your place. Check out this article about 4 great, simple ways to decorate your home for Halloween!