Alice Thomas

NMLS# 445073

Loan Officer

Alice Thomas
Loan Officer

NMLS# 445073
State Lic: ID # MLO-18331;
308 12th Ave RD
Nampa, ID 83686
Branch: (208) 498-1780
Mobile: (208) 890-9394
Fax: (208) 498-1787

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Alice explained everything in the process very clearly and made the process smooth. Everybody at the office was very professional.Justin E. Keller
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It’s all about service at Academy Mortgage, and our company has been meeting the needs of homebuyers across the United States since 1988. I joined Academy because of its strong reputation for integrity, its unwavering commitment to responsible lending practices, and for its broad portfolio of mortgage solutions and tools.

Whether you are purchasing a home for the first time or branching out to an investment property, I am here to assist you.

I have been originating loans for over 15 years. Prior to originating, I worked in mortgage loan servicing field and as an escrow closer. I have knowledge of the real estate process from loan origination through closing and also the servicing side. I have helped many individuals and families attain the dream of homeownership. Whether you want to buy a new home or refinance an existing mortgage, I will provide a customized solution for you at competitive rates. No brokering, no middleman, no hassle, no surprises.

Academy is a direct lender, which means my Branch and Regional Offices are equipped to complete the entire loan process in-house. What does that mean to you - processing, underwriting, closings, and funding are handled locally. As a result, we have a proven track record of closing loans as quickly and efficiently as possible.

I will be in control of your loan file from start to finish, and I will be up-to-date on the status of your loan at all times. I understand the importance of maintaining continuous communication throughout the loan process and commit to providing you accurate, timely, and honest mortgage advice.

I invite you to put us to the test. Let me show you how simple and easy securing a mortgage can be.

Aside from working, I love living in Idaho, enjoying its many outdoor activities such as hiking, skiing, and biking. I have 2 grown sons and 3 adorable grandchildren.


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NMLS# 445073

State Lic: ID: MLO-18331;

Corp Lic: ID: MBL-671;


Interest rates for home loans decrease in the wake of Fed decision

Interest rates for the average U.S. home mortgage slid lower during the week ending Sept. 24, according to Freddie Mac's Primary Mortgage Market Survey. As rates have fallen, the number of homeowners interested in refinancing their current mortgage and those looking to purchase property have increased. 

"Global growth concerns and lackluster inflation convinced the Fed to defer a hike in the Federal funds rate. In response, Treasury yields fell about 9 basis points over the week, with some larger day-to-day swings along the way," said Sean Becketti, Freddie Mac's chief economist. "In response, the interest rate on 30-year fixed rate mortgages dropped by 5 basis points to 3.86 percent. Mortgage rates have remained below 4 percent for 9 consecutive weeks and have remained range-bound between 3.8 and 4.1 percent since May. These low mortgage rates have supported strong home sales, and 2015 is on pace to have the highest home sales total since 2007."

Home loan interest rates dip. According to the survey, 15-year fixed-rate mortgages averaged 3.08%, which was down from the previous week's average of 3.11%. When compared on a year-over-year basis, the average rate is 0.28 percentage points lower. 

The average 30-year FRM slid to 3.86% after the previous week's average of 3.91%, and this week's average 30-year FRM is also lower than the 4.2% seen at this time a year ago. 

Both the 5-year Treasury-indexed hybrid and 1-year Treasury-indexed adjustable-rate mortgages decreased on week-over-week basis. 

Mortgage applications rise. The Mortgage Bankers Association's weekly survey for the week ending Sept. 18 indicated applications for mortgages rose 13.9% from the previous week. The share of refinancing applications rose to 58.4% from the previous week, and the share of adjustable-rate U.S. home mortgages ticked up to 6.9% of all applications. 

"We saw significant rate volatility last week surrounding the FOMC meeting, and rate declines toward the end of the week likely drove applications from both prospective home buyers and borrowers looking to refinance," said Mike Fratantoni, the MBA's chief economist. "The 30-year fixed rate remained unchanged over the week even though there was substantial intra-week fluctuation, but we saw rate decreases in other loan products like the 15-year fixed, 5/1 ARM, and 30-year jumbo."

Academy Mortgage is one of the top independent purchase lenders in the country as ranked in the 2014 CoreLogic Marketrac Report. Contact me to find a loan, get a rate, or calculate your payment today.