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

I can always count on Bob to take my calls and answer my questions. I know my clients are in great hands when I send them to Bob Wasieko at Academy Mortgage. Karyn Nelsen
Payment Calculator
$
Yrs.
%
Calculate
$

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. 

 

 

VIDEOS

Watch helpful videos to learn more about Academy.

NMLS# 243140

State Lic: AZ: 0917493;

Corp Lic: AZ: BK-0904081;

×
×
×

Foreclosures decrease to lowest level since November 2007

As the national job situation and economy continue to strengthen, foreclosures are decreasing thanks to more individuals having improved their personal financial standings. According to HousingWire, CoreLogic, a leading financial, property, and consumer information and analytics company, recently released its foreclosure report for November 2015. The report indicated the total inventory of foreclosed homes decreased by 21.8% when compared on a month-over-month basis. 

Foreclosures become less common. The overall volume of foreclosures fell to its lowest level since November 2007. Completed foreclosures also saw an impressive drop. When compared on a month-over-month basis, in fact, completed foreclosures decreased 71.6% in November 2015 from their peak in September 2010.

Nationally, the number of completed foreclosures fell to 33,000 in November 2015 from 41,000 the previous month. 

"After peaking at 3.6% in January 2011, the foreclosure rate currently stands at 1.2% - a remarkable improvement," said Dr. Frank Nothaft, chief economist for CoreLogic. "While there are still pockets of areas with high foreclosure activity, 30 states have foreclosure rates below the national average which is evidence of the solid improvement."

According to Inman, foreclosure rates are a good indicator of the quality and thoroughness of the underwriting process for home loans. A reduction in the overall amount of foreclosure inventory bodes well for the success of the lending industry as a whole. 

In addition, current economic conditions are supporting consumers all over the U.S. Individuals possessing more financial security and living in a better market are less likely to lose their homes. 

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 a payment today.

×

Delinquencies remain low for mortgage loans

A low delinquency rate means individuals who have home mortgages are more capable of staying current on those loans, suggesting a strong economy, job situation and healthy housing market overall. According to the Mortgage Bankers Association, delinquency rates for both multifamily and commercial mortgages continued to decrease in the fourth quarter. 

Delinquency rates drop. The MBA noted mortgages through banks and thrifts decreased 0.09 percentage points to 0.73% when compared on a quarter-over-quarter basis. 

"The performance of commercial and multifamily mortgages remains strong, with continued improvement in the delinquency rates of loans held by banks and in commercial mortgage backed securities (CMBS)," said Jamie Woodwell, the MBA's Vice President of Commercial Real Estate Research. "Strong property fundamentals and values, coupled with still low interest rates, are likely to continue the positive trend."

Strong employment opportunity bolsters housing market. One of the main reasons the real estate industry is experiencing positive growth is the sustained progress in the current job market. According to the Bureau of Labor Statistics' Employment Situation Summary, nonfarm payroll rose by 242,000 positions in February

In addition, the unemployment rate remained at 4.9%, unchanged from the previous month. When compared to the previous year, unemployment decreased by 0.6 percentage points. 

Job growth occurred in many industries, including: 

Health care and social assistance increased employment by the highest amount of any individual sector in February. This industry has consistently increased employment opportunities in the U.S., evidenced by the addition of 57,000 new jobs over the past month.

With more jobs available, individuals are more likely to not only be employed, but also spend money and encourage further economic growth. Current homeowners are also more capable of staying up to date on a U.S. home mortgage when the employment situation continues to improve. 

In addition, job security makes it easier for interested buyers to invest in more substantial purchases, such as real estate. A higher number of individuals entering the housing market will further strengthen its continual improvement. Moving into the spring, professionals working in the real estate industry can expect a higher number of interested buyers. More demand will also increase the value of properties being sold, which is good news for those looking to sell their homes. 

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.

×

Mortgage applications rise again for the week ending Jan. 22

The lending environment is leading to a higher number of individuals who are applying for a U.S. home mortgage and beginning their search for the perfect house. CNBC indicated this week marks the third consecutive surge in home loan applications. 

"As a result of more financial market volatility and continued flight to quality by investors, mortgage rates have decreased 18 basis points since the first week of January 2016," said Joel Kan, an economist, according to CNBC. "With a 30-year fixed rate of 4.02 percent in the most recent week, the refinance index was at its highest since the week ending October 1, 2015, a week when rates were 3.99 percent, and there was a rush of applications before the Know Before You Owe rule implementation deadline."

These factors continue to encourage a higher number of applications for home loans among today's consumers. 

Survey shows a rise in mortgage applications for the week ending Jan. 22. According to the Mortgage Bankers Association's weekly survey, the volume of applications for home loans swelled by 8.8% when compared to the previous week. With low interest rates, many individuals who have remained on the fence when it comes to entering the housing market are finally deciding to kickstart their search. 

In addition, current homeowners looking to refinance their mortgages are jumping at these historically low interest rates. In fact, the Refinance Index rose an impressive 11% over the Martin Luther King holiday weekend. The total share of refinance applications only fell slightly, from 59.1% of all activity to 59%. 

The share of home loan applications submitted through the Federal Housing Administration fell to 12.7% of all application activity, compared with 13.7% from the previous week. 

Home loan applications through the U.S. Department of Veterans Affairs accounted for 11.1% of all applications, which is up from the week prior's share of 10.8%. Home loan applications insured by the U.S. Department of Agriculture remained unchanged at 0.7%. 

With the recent uptick in mortgage application activity, individuals working in the real estate and lending industries can expect the market to strengthen moving further into the new year. 

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.

×