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;
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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ARTICLES

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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;

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;

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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FHA loan savings vary across regions

Expenses decreased for loans provided by the Federal Housing Administration to make homeownership more accessible to Americans. According to a press release from the White House, potential borrowers can save $900 annually on their mortgage payments with the adjusted FHA loan pricing.

The potential reduction in cost may appeal to a number of interested buyers. However, a possible homeowner should first be aware of where house payment savings are most apparent and whether he or she would benefit from an FHA loan before applying for a U.S. home mortgage.

Homebuyers must know the average price of a home in their markets. The savings associated with an FHA loan will fluctuate depending on which housing market a home is located in. RealtyTrac, a realty information company, created a map that shows both the annual savings after the reform as well as where an individual with a median income would spend 28% or less of his or her salary to afford a median-priced home.

Los Alamos, New Mexico, for example proved to be a beneficial area to invest in housing by utilizing an FHA loan because annual savings could add up to $1,124 and home affordability, or percentage of income spent on median-priced housing, sits at 16.15%. Anchorage, Alaska, teeters just above 28% at 28.5% but offers $1,351 in annual savings.

Ouachita, Louisiana, offers only $670 in annual savings and 28.6% in home affordability. Adams, Mississippi, might show an average annual savings of $1,351 but with an 81.98% affordability rate, an FHA loan in region like this may not provide you with the best deal.

Potential buyers should be familiar with their local housing markets and know the benefits an FHA loan may provide before beginning the application process.

Some applicants benefit from FHA loans. The Columbian reported that a potential borrower able to provide a down payment of 5% or less coupled with a credit score ranging from 620 to 719 would find FHA loans more cost effective than a conventional loan. However, a higher credit score and the financial stability to provide a larger down payment might mean a conventional loan is a better option due to upfront premium fees that are still associated with an FHA loan. 

A mortgage provided through the FHA can help first-time homebuyers who may be intimidated by down payment and credit score requirements. According to the U.S. Department of Housing and Urban Development, the first step down the road of homeownership requires organization. A potential homeowner should determine what his or her financial capabilities are and research opportunities and resources available to him or her. HUD provides many buyers with access to housing counselors who can help individuals navigate through the process of purchasing a new home.

Awareness and understanding of local housing markets, anticipated savings and possible home loan options can help alleviate extra costs associated with homeownership.  

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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Consumers' confidence may help increase jobs

Consumers' increased confidence in the housing market may help boost not only the market but also the number of employment opportunities available. As people become more optimistic and more likely to purchase a new home, jobs in the housing sector will likely need to jump up accordingly.

Growth in consumers' financial optimism bodes well for real estate. According to a press release from Fannie Mae, a government-backed lender, respondents to the January 2015 National Housing Survey indicated that their incomes were notably higher when compared to a year ago. In addition, the proportion of individuals who believed their financial situations would improve further within the next year increased to 48%.

The share of individuals who believed it was a good time to purchase a new home jumped to 67%, and people who thought now was the time to sell increased to 44%. 

"Consumers are as positive about their personal finances at the start of 2015 as they have been since we launched the National Housing Survey in 2010, and this optimism seems to be spilling over into housing market attitudes," said Fannie Mae's Senior Vice President and Chief Economist Doug Duncan. "Consumers are more optimistic about the environment both for buying and for selling a home today, and the share who plan to own on their next move has jumped back up, reversing a three-month trend toward renting."

Duncan also noted that the results complemented lenders' confidence in U.S. home mortgages. The future of the housing market looks particularly bright, and an improving economy and job situation are expected to further bolster the housing market in 2015. 

Increased jobs available in housing sector. According to the Labor Department, employment related to housing has expanded. In January, residential construction jobs jumped 12,500 month over month.  That represents the most significant monthly growth in 13 years.

As the housing market experiences more activity, demand for jobs related to housing also expanded. The following jobs also saw increases in January:

"If there is an industry that has an opportunity to surprise, it is residential real estate," said Head of U.S. Economics at Renaissance Macro Research Neil Dutta?, Bloomberg Business reported. "We see strong growth in housing and construction-related industries for both white-collar and blue-collar workers."

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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