Alex Kirkland

NMLS# 408053

Loan Officer

Alex Kirkland
Loan Officer

NMLS# 408053
State Lic: CA # CA-DBO408053; GA # 46553; NM # 408053; AZ # 0924325; ID # MLO-18970; TX # 408053; CO # 100503348; OR # 408053; WA # MLO-408053; IL # 031.0045562; OH # MLO-OH.408053;
1750 East Northrop Blvd
Suite 230
Chandler, AZ 85286
Direct: (480) 744-5381
Fax: (480) 619-6222
Mobile: (480) 744-5381
alex.kirkland@academymortgage.com

Welcome!

It’s all about service at Academy Mortgage, and our company has been meeting the needs of home-buyers across the United States since 1988. I joined Academy because of its strong reputation for integrity-based mortgage lending, its unwavering commitment to responsible lending practices, and for its broad portfolio of mortgage solutions and tools.

Since joining Academy, I have helped many individuals and families attain the dream of home-ownership. 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 that my Branch and Regional Offices are equipped to complete the entire loan process in-house—all loan 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.

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I absolutely love Academy Mortgage. Joe Hesch is our go to guy but because we moved out of state we went through Alex Kirkland who was also fantastic. Timothy Colling

NMLS# 408053

State Lic: CA: CA-DBO408053; GA: 46553; NM: 408053; AZ: 0924325; ID: MLO-18970; TX: 408053; CO: 100503348; OR: 408053; WA: MLO-408053; IL: 031.0045562; OH: MLO-OH.408053;

Corp Lic: CA: 4170013; GA: 20505; NM: 01451; AZ: BK-0904081; ID: MBL-671; TX: 3113; CO: 3113; OR: ML-2421; WA: CL-3113; IL: MB.6760661; OH: MB.803997.000;

Licensed by the Department of Business Oversight Under the California Residential Mortgage Lending Act; Georgia Residential Mortgage Licensee; Figure: 7 TAC §81.200(c) CONSUMERS WISHING TO FILE A COMPLAINT AGAINST A MORTGAGE BANKER OR A LICENSED MORTGAGE BANKER RESIDENTIAL MORTGAGE LOAN ORIGINATOR SHOULD COMPLETE AND SEND A COMPLAINT FORM TO THE TEXAS DEPARTMENT OF SAVINGS AND MORTGAGE LENDING, 2601 NORTH LAMAR, SUITE 201, AUSTIN, TEXAS 78705. COMPLAINT FORMS AND INSTRUCTIONS MAY BE OBTAINED FROM THE DEPARTMENT'S WEBSITE AT WWW.SML.TEXAS.GOV. A TOLL-FREE CONSUMER HOTLINE IS AVAILABLE AT 1-877-276-5550. THE DEPARTMENT MAINTAINS A RECOVERY FUND TO MAKE PAYMENTS OF CERTAIN ACTUAL OUT OF POCKET DAMAGES SUSTAINED BY BORROWERS CAUSED BY ACTS OF LICENSED MORTGAGE BANKER RESIDENTIAL MORTGAGE LOAN ORIGINATORS. A WRITTEN APPLICATION FOR REIMBURSEMENT FROM THE RECOVERY FUND MUST BE FILED WITH AND INVESTIGATED BY THE DEPARTMENT PRIOR TO THE PAYMENT OF A CLAIM. FOR MORE INFORMATION ABOUT THE RECOVERY FUND, PLEASE CONSULT THE DEPARTMENT'S WEBSITE AT WWW.SML.TEXAS.GOV.; www.nmlsconsumeraccess.org;

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Low interest rates appeal to investors and potential homeowners

Real estate may still be one of the best ways to build overall wealth. The historically low interest rates on U.S. home mortgages could provide individuals with a particularly appealing investment opportunity. 

Low interest rates encourage people to purchase homes.  According to U.S. News & World Report, 2015 will be a good year to invest in real estate. However, before potential homeowners rush to purchase a house, they need to know how long they plan to keep the home and have a solid grasp of their current and anticipated financial situations, as well as the local housing market.

Mortgage News Daily reported that the MND Daily Rate for 30-year fixed rate mortgages on Feb.10 was 3.77%, and 3.06% for a 15-year FRM.  These lower interest rates may appeal to potential investors and homeowners.

Mortgage applications increased in January 2014. Lower rates and greater affordability may have increased the number of applications for mortgages. According to the Mortgage Bankers Association, applications for home loans for the week ending Jan. 30 increased 1.3% from the previous week.

"Following several weeks of already elevated refinance activity due to falling interest rates, Federal Housing Administration refinance applications increased 76.5% in response to a reduction in annual mortgage insurance premiums, which took effect Jan. 26," said Lynn Fisher, vice president of research and economics for MBA. "Conventional refinance volume was up only 0.5% for the week."

Fisher also noted that applications for FHA home loans increased 12.4% since the previous week. The growth in applications may be due to the increased affordability of homeownership. In addition, millennials, baby boomers and boomerang buyers may be entering the market. 

Buying real estate serves as an investment. The affordability of the housing market may encourage investors to enter the housing market. According to The Atlantic, some families are purchasing homes to leave property for their children. While the money spent on rent does not go toward ownership, a mortgage allows homeowners to spend their money on real estate, which will become their property. 

Purchasing a home can provide families more services, better school districts and nicer neighborhoods when compared to renting an apartment or other residence. In addition, owning a home allows individuals to save money through accrued equity.

"It is a forced saving mechanism, and if you don't have to think about saving, it goes better," said the Urban Institute's senior research associate, Brett Theodos?.

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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Hybrids lead as the most popular ARM lending option

Freddie Mac's 31st Annual Adjustable-Rate Mortgage Survey of prime loan offerings indicated that hybrid ARM options were offered by all participating lenders, according to its press release. These types of loans are particularly popular among potential homeowners due to a variety of advantages. 

Hybrid ARMs adjust each year following a period, typically three to 10 years, of an established fixed rate.

Hybrid ARMs offer substantial benefits to borrowers. The M Report noted that individuals that want to apply for a U.S. home mortgage and decide on a hybrid ARM loan option can save thousands of dollars.

"Hybrid ARMs include an extended initial period where the interest rate is fixed and lower than for a 30-year fixed-rate loan," said Freddie Mac's VP and Chief Economist Frank Nothaft. "Because consumers who choose an ARM often are taking out a higher-balance loan, their payment savings can add up over the first few years of the loan."

In addition, the market's currently low interest rates appeal to borrowers. 

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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Trulia-Uber integration available to potential homebuyers

Trulia, a real estate website, and Uber, a privatized ride-hailing service, partnered up to assist homebuyers with the transportation during home viewings. Trulia Mobile now offers the option to request a ride with Uber when looking at homes.

Trulia and Uber announce integration. Uber announced that the partnership with Trulia can help alleviate the stress associated with finding home listings and ultimately free up valuable time when visiting different houses. Uber now can provide potential homeowners with readily available transportation options and absorb any concerns about finding parking.

Requesting transportation through Trulia Mobile streamlines the process. A ride to visit a listing is readily available to anyone using the Uber mobile app. Uber offers up to $20 dollars in free transportation for any new users, and Trulia offers a chance to win additional free rides instantly.

"Trulia's new collaboration with Uber is an example of how Trulia simplifies the search for your next home," said Head of Consumer Product at Trulia Jonathan McNulty, according to HousingWire. "Uber is an innovative company that's now empowering our users to take the next step, from viewing homes online to touring in person."

Creating a simple option for potential homebuyers as well as embracing the technological advancements available today may encourage home tours and consequently increases in U.S. home mortgage applications and purchases. Wired noted millennial's major role in the advancement of interactive technology, and providing this generation with seamless technological and mobile experiences is crucial. The Trulia-Uber integration provides this demographic with a quick and convenient way to view listings.

This option is available to any city Uber currently services.

Academy Mortgage is one of the top independent purchase lenders in the country as ranked in the 2013 CoreLogic Marketrac Report. Visit www.academymortgage.com to find a loan, get a rate, or calculate your payment today.

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