Working with the Joe Edwards Team for years & millions and millions of dollars in transactions he has always been dependable and followed thru on what he says, which is PIVOTAL in making any deal a successful transaction. His professionalism and ability to problem solve has made him my Go to Guy for my personal loans as well as my clients. Thank you Joe & Colin for always going above and beyond to help make things go as smoothly as possible.
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You have come to the right place for all of your lending needs. I am a licensed mortgage consultant who has been in the financial industry since 2005. During my tenure in the mortgage industry a lot has changed. I pride myself with keeping up to date with the latest lending guidelines and programs that will help maximize the needs of my clients and industry partners. I work all walks of life, if you are a first time homebuyer, a veteran, or a Real Estate investor you are talking to the right mortgage professional. I have pulled and analyzed thousands of credit reports which made me the credit expert I am today.
Don’t get lost in the shuffle of working with a large bank and don’t let outside broker financing jeopardize your home mortgage. The average closing time for a mortgage loan is 45 days, but at Academy Mortgage it is 14 days. How do we do it? We are the mortgage banker (lender), we underwrite, draw docs, and fund FHA, VA, USDA, Jumbo and Conventional loans right here in our Chandler office. If I have a question about your loan I can walk down the hall and get the question answered in person, not wait days for a response.
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Read these articles to educate yourself on the mortgage process and industry.
The housing market continues to improve with the arrival of spring. More individuals are gaining interest in applying for a U.S. home mortgage and fulfilling the American Dream. The U.S. Census Bureau and U.S. Department of Housing and Urban Development reported the sales of newly constructed single-family houses increased by 2% in February.
A press release from the National Association of Home builders responded to the report and emphasized the implications of this rising interest in newly constructed houses.
"The February bounce back in sales is in line with our builders' reports that the housing market continues to recover at a slow but steady pace," said Ed Brady, chairman of the NAHB and a home builder and developer.
Sales rise for single-family homes. When compared on a month-over-month basis, the total sales of single-family homes that were recently constructed increased slightly to 512,000 homes, which indicates there is a rising demand for real estate.
However, on a year-over-year basis, home sales dipped 6.1%. This may be due to the climbing interest rates for home mortgages in the U.S.
When broken down on a regional basis, home sales rose the most in the West. Transactions increased 38.5% from January's estimate. The South, Midwest and Northeast experienced drops of 4.1%, 17.9% and 24.2% respectively.
Available new homes were at a 5.6-month supply at the current sale pace, equating to approximately 240,000 properties. The median price of new homes sold in February was $301,400.
"While builders contend with industry headwinds such as labor shortages, relatively low mortgage interest rates and solid job growth should keep the housing market moving ahead as we enter the spring buying season," noted NAHB Chief Economist Robert Dietz.
House hunters can rejoice. With a 5.6-month supply of homes available, interested buyers can feel more confident they will find a home that matches their family's needs when it's time to start their search. The busy buying and selling season will bring more availability, which also suggests better affordability.
When more consumers enter the housing market, it bodes well for the future of the industry. The spring season will likely be successful with historically low rates, more available inventory and higher demand.
Academy Mortgage is one of the top independent purchase lenders in the country as ranked in the 2015 CoreLogic Marketrac Report. Visit www.academymortgage.com to find a loan, get a rate, or calculate your payment today.
According to the National Association of Home Builders, new home sales for single-family units grew 10.8% month over month to 544,000. This brought the 2015 total of new single-family homes sold to 501,000, a 14.5% increase over the previous year. This was the highest level in eight years.
"The December sales report is a great end to a very strong year," said Ed Brady, NAHB chairman and an Illinois-based home builder and developer. "As we move forward in 2016, we should see the housing market continue to make lasting gains."
New home construction has brought this category of housing inventory to 5.2-month supply for December, at 237,000 units. As a whole, home inventory is better than it has been since October 2009.
Brady added that the improving economy and low interest rates have encouraged prospective homebuyers to find a U.S. home mortgage sooner rather than later. ABC News stated that, while home sales still have a ways to go before they hit the 52-year average of 655,200 sales again, there are plenty of reasons to be happy about 2015's progress and the potential for 2016. With unemployment currently at 5%, as of December, more people are able to afford a new home.
Academy Mortgage is one of the top independent purchase lenders in the country as ranked in the 2014 CoreLogic Marketrac Report. Visit www.academymortgage.com to find a loan, get a rate, or calculate your payment today.
For interested buyers, knowing credit for home loans is available is a big factor in whether individuals make a move toward becoming a homeowner. According to the Mortgage Bankers Association, credit availability remained unchanged in February. The Mortgage Credit Availability Index, which showed the congruency between January and February, is a report that analyzes data from a business information standpoint.
"Credit availability was flat over the month," said Lynn Fisher, the MBA vice president of Research and Economics. "Slight declines in conventional programs aimed at low-to-moderate income borrowers were offset by increasing availability of government-backed programs."
The MCAI shows no change in February. The Index remained at 123.8, and was benchmarked to 100 in March 2012. When the MCAI increases, it suggests loosening credit standards. When it decreases, it indicates lending standards are tightening.
Low down payment options become more popular. Down payments are typically the most substantial obstacle interested homeowners must hurdle prior to making the financial commitment to real estate. However, with more lenders offering conventional loans with low down payment options, more individuals can afford real estate investments, noted The Mortgage Reports.
"More than half of the investors in our credit availability data set are now offering some form of a conventional low down payment loan program which is targeted at lower income borrowers and first time home buyers and generally allows a down payment as low as 3 percent." said Fisher, according to the MBA.
With credit availability steady at 123.8 and a high interest among consumers in applying for U.S. home mortgages, the housing market will likely continue to strengthen moving into the busy spring season.
Academy Mortgage is one of the top independent purchase lenders in the country as ranked in the 2015 CoreLogic Marketrac Report.. Contact me to find a loan, get a rate, or calculate a payment today.