Dan Snyder

NMLS# 314445

Branch Manager, Producing

Dan Snyder
Branch Manager, Producing

Mortgage Loan Officer
NMLS# 314445
State Lic: CA # CA-DOC314445; AZ # 0915362;
309 Lake Havasu Ave South
Suite 100
Lake Havasu City, AZ 86403
Direct: (928) 302-2601
Fax: (888) 990-5757
Mobile: (928) 208-2081
dan.snyder@academymortgage.com

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Dan Snyder, Mortgage Loan Officer and Branch Manager, for Academy Mortgage in Lake Havasu City is committed to providing mortgage lending solutions built on solid advice and excellent customer service. Dan has been a mortgage originator for over 12 years and continues to strive to put to his client’s interests first. Through this, Dan and his team have earned a loyal base of customer support and a solid foundation of referral business within the Real Estate Community.

Dan is also a member of and Past President of Havasu Toastmasters and current member of the Women's Council of Realtors. He also enjoys working out, snow skiing and camping and is an enthusiastic NASCAR fan.

With Academy Mortgage, you will find a culture built on the desire to make a difference. We are dedicated to providing outstanding personalized service and are focused on building quality relationships. Advice and service do make a difference and we would be honored to serve you.

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Mortgage Education

View these helpful tips for becoming a homeowner.
Dan is always on "top" of the transaction and takes the necessary action to keep the process moving when he senses potential problems. Always feel comfortable when working with Dan! Judy

NMLS# 314445

State Lic: CA: CA-DOC314445; AZ: 0915362;

Corp Lic: CA: 4170013; AZ: BK-0904081;

Licensed by the Department of Business Oversight Under the California Residential Mortgage Lending Act;

Tips for a Simple Loan Approval

If you encounter a special situation, it is best to mention it to us right away so we can help you determine the best way to achieve your goals.

DO’s

DONT’s

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10 Steps to Homeownership

From pre-approval to closing, Academy will help you along the road to homeownership. You can count on us for responsible, honest, and ethical service in every step of the process.

  1. Loan pre-approval. Pre-approval allows you to search for a home that you can afford based on your credit, income, and assets. An application and supporting financial documents must be submitted to your Loan Officer, including pay stubs, tax returns, and account statements.
  2. Home search Once pre-approved, start shopping with your real estate agent! When you decide on the right home for you, the terms of sale are negotiated and your agent presents your offer to the seller.
  3. Formal loan application and product selection. After the seller accepts your offer, formally apply for home financing and select the ideal loan product to meet your needs.
  4. Appraisal and home inspection. As your application is being processed, an appraisal is ordered to identify any discrepancies between the sale price and appraised value. Properties are also inspected for water and termite damage and other safety hazards.
  5. Processor’s and underwriter’s review. A loan processor reviews the entire loan file and sends all pertinent information to an underwriter who makes the final decision to approve the loan.
  6. Final loan approval. If you have a good credit score and debt-to-income ratio, your loan will likely be approved. Keep in mind that there may be financial conditions or property conditions that need to be met before final loan approval.
  7. Closing. Final loan and escrow documents are prepared and signed by you (the buyer) and the seller.
  8. Funding. A wire or check for the amount of the loan is sent to the title company.
  9. Close of escrow. Documents that transfer titles are recorded with the county.
  10. Confirmation of recording. The title company authorizes the escrow company (or closing agent) to draft a check to the seller.

Ultimately the final step . . . MOVE INTO YOUR NEW HOME!

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BUYING VS. RENTING

For many, the benefits of buying a home outweigh the advantages of renting. With mortgage interest rates at historic lows and rents on the rise, now is an affordable time to finance a mortgage with a fixed monthly payment lower than rent.

If you plan to stay in your home for more than six years, buying a home could save you thousands of dollars over renting. And don’t forget about the noisy neighbors upstairs.

The Benefits of BUYING

TAX SAVINGS
Mortgage loan interest is deducted from your state and federal income taxes and a portion of your property taxes may also be deducted.

STABILITY
Fixed mortgage payments (principal and interest) will not change during the loan term whereas rent payments may increase annually.

BUILD EQUITY
Owning a home long term allows equity to build and thus your home investment to grow.

The Benefits of RENTING

FLEXIBILITY
Renting may be the preferred option for those planning or needing to make a move in less than six years.

LITTLE OR NO MAINTENANCE
Renters are often able to rely on landlords and property managers to pay for and make necessary home repairs.

UTILITIES MAY BE COVERED
Some utility expenses may be included in monthly rent payments.

Contact me today to start realizing the benefits of homeownership.

Please consult a tax professional about your specific situation and the tax savings benefits of homeownership.

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