Robert Wasieko

NMLS# 243140

Sales Manager

Robert Wasieko
Sales Manager

NMLS# 243140
State Lic: AZ # 0917493;
1750 East Northrop Blvd.
Suite 230
Chandler, AZ 85286
Direct: (480) 265-4887
Fax: (480) 269-9052
Mobile: (480) 257-9080
bob.wasieko@academymortgage.com

We had been working with NACA for over 2 years and nothing got done. I met with my old neighbor and she referred me to Academy Mortgage. My wife and I had our keys to our new home 3 weeks later.Michael Wady
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Robert began his career in the Arizona real estate industry in 1987, and since 1997 he has been a full time Mortgage Loan Officer. He has assisted hundreds of families with their mortgage loans and has a long list of satisfied customers and referral partners who can attest to his professionalism, honesty and integrity.  According to Robert, "Many families come to me frustrated by or wary of the mortgage process due to their past experiences or by things that they have heard from friends and family."  My advice to everyone seeking a mortgage these days is the same; relax!  You are in good hands with Academy Mortgage. 

Call Bob on his mobile phone or email him 24/7.  He's well known for answering calls and emails at all hours.  His staff at Academy Mortgage is a virtual all-star team comprised of the top loan processors and underwriters in the industry. The entire Wasieko Team prides itself on fast response times, accurate information and exceeding your expectations. 

 

 

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NMLS# 243140

State Lic: AZ: 0917493;

Corp Lic: AZ: BK-0904081;

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Life giving you TRID? Make TRIDade!

Making the best of TILA/RESPA Integrated Disclosures In the ceaselessly shifting landscape of the mortgage world, only one constant remains: changes in governmental regulation are inevitable. Among such regulation recently is TRID: TILA (Truth-in-Lending Act) / RESPA (Real Estate Settlement Procedures Act) Integrated Disclosures. An abbreviated collection of common industry acronyms, TRID was created and implemented to protect consumers during the mortgage loan application process, but, as with many government creations, TRID has revealed new headaches all its own. Despite its issues—such as new mandatory review periods, extended timeframes, and acclimation to new forms after many years of using the GFE and other familiar documents—industry professionals continue to adapt and improve as they refine their processes under the new regulations. Academy Mortgage has experienced the practical, real-world impacts of TRID since operating under the new regulation, learning some valuable lessons in the process. But with the company’s history of embracing regulatory reform, Academy was proactive in planning for TRID. “Academy took the challenge and tackled TRID regulatory requirements head on,” says Renee Waltemeyer, Operations Process Manager. “A project team was assembled from the many facets within our organization that was instrumental in defining and developing the changes that have come with the TRID regulation.” One example of Academy’s proactive approach to complying with TRID has been the company’s response to the mandatory review periods, a common complaint in the industry. Academy has implemented an innovative system to deliver required disclosures electronically, complete with an E-Consent (electronic signature) component. “Academy didn’t jump in line with some of the more conservative approaches of U.S. mail for Loan Estimate and Closing Disclosure document delivery,” says Dan Wolfe, Senior Manager of Compliance Operations. “It is the 21st century, and a large majority of our customers look for electronic communication regarding the details of their transaction. Taking this approach has saved our customers and partners several days, based on how the rule is written.” Academy has developed several systems and processes to help manage the impact of TRID: Calendars and Reports Academy’s method includes a loan calendar, which applies TRID deadlines and displays upcoming vital dates, be they anticipated completion dates or due dates. Another method Academy employs entails pipeline reports to assist those involved in managing the time-sensitive aspects of TRID. Proper Training Academy recognized that professional and timely training of all employees was critical to keep them abreast of crucial policies and procedures that would impact their performance and compliance with the new regulation. This training was provided through multimedia and video tutorials that clearly conveyed the most vital messages regarding the TRID initiative. Academy extended this training to its business partners as well. “Academy acknowledged early in the process that in order to be successful with TRID, it was necessary to collaborate and educate our business partners,” says Waltemeyer. “Real estate agents, builders, title companies, and third-party vendors are impacted just as much as lenders are with this new regulation.” Marketing to Educate Academy produced a wide variety of TRID marketing materials that clearly explained TRID to loan applicants to help avoid any misunderstandings or surprise complications. These tools have proved useful to Loan Officers and business partners in maintaining sales and relationships during the transition to new procedures. “Change is difficult, but with proper foresight and planning, it doesn’t have to be,” says Waltemeyer. “Academy has implemented the changes required by TRID while maintaining our values, reputation, and integrity.” ×

Mortgage applications decrease slightly for the week ending Oct. 23

The Mortgage Bankers Association recently released its weekly survey for U.S. home mortgages, and the total number of applications for loans decreased 3.5% when compared on a week-over-week basis.

Applications drop week-over-week. The data reflecting the 3.5% decrease was seasonally adjusted. The survey indicated that on an unadjusted basis, applications rose 7% from the previous week.

The refinancing share of all mortgage application remained at 59.5% for the second week in a row, and 6.6% of all applications were adjustable-rate mortgages.

Home loan applications insured by the Federal Housing Administrated fell to 13.7%, and applications for loans through the U.S. Department of Veteran Affairs fell to 12.3%. However, the U.S. Department of Agriculture's share of home loan applications rose slightly to 0.7%.

Fewer applications may improve affordability. The slightly lower number of individuals applying for home loans may indicate a drop in demand, which may help with affordability. For quite some time, high demand has driven home values up substantially. Less interest in purchasing homes may provide those who want a house but need to find a more cost-effective option with a chance to find the home of their dreams, without the threat of bidding wars.

In addition to the potential improvement in affordability, more job availability will likely help support housing market activity.

Major cities see improving job situations. According to The Wall Street Journal, larger metropolitan areas are seeing increasing job opportunities and decreasing unemployment rates. A healthier job market is especially beneficial for those looking to invest in a home but need a little more money to fund the purchase.

The Minneapolis-St. Paul and Salt Lake City, Utah, metro regions experienced the lowest unemployment rates in September.

Reduced unemployment coupled with historically low interest rates bring the dream of homeownership a little closer to many individuals. In addition, low down payment options trough government-sponsored enterprises like Freddie Mac and Fannie Mae allow for more flexibility when it's time to apply for a home loan.

With improved job security and less competition for housing, many individuals looking for affordable homes will be able to enter the housing market and invest in real estate of their own.

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.

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New home construction improves in 2015

New homes sales closed out 2015 with the highest purchase rate in 10 months, ABC News reported.

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.

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