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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Alex Kirkland was very easy to work with and always very polite. He was thorough in his knowledge of the loan products available to me and was very quick to answer emails and phone calls. I never felt like I was left hanging at all. Alex...he's good people. Robert Birosh

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.; Illinois Residential Mortgage Licensee;

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Rising rental rates may encourage homeownership

Buying a home might become a more appealing option for individuals. Experts expect rental rates to remain higher for a while, and purchasing real estate may prove to be a more affordable living arrangement.

Rental rates continue to increase. According to a press release from Zillow, an online real estate company, 51% of polled experts do not believe the affordability of rental units will improve for two or more years.

"Solving the rental affordability crisis in this country will require a lot of innovative thinking and hard work, and that has to start at the local level, not the federal level," said Stan Humphries, Zillow's chief economist. "Housing markets in general and rental dynamics in particular are uniquely local and demand local, market-driven policies."

The rising costs associated with renting may persuade more individuals to consider owning a home as a more affordable option. 

Homeownership more affordable than renting. Historically low interest rates on U.S. home mortgages, low down-payment options and the Federal Housing Administration's decision to lower mortgage insurance premiums may increase the attractiveness of buying real estate. The demand for rental properties is driving up rental prices, and changes to the cost of homeownership decreases those expenses.

Zillow noted that many current renters are becoming increasingly frustrated with the rising cost to rent. The hikes are encouraging some individuals to enter the housing market and purchase a home. Their potential contributions to the real estate market may continue to strengthen the continual recovery from the housing crisis in 2008. 

"Vacancy rates on rental units in the fourth quarter were down to 7 percent, the lowest in more than 20 years," said Nationwide Insurance's Chief Economist David W. Berson.

Realtor.com recommended comparing the costs between renting and buying before deciding which option is best for your local housing market. In some instances, renting is more costly. However, before buying, take a look at the local school district and the current graduation trend. Also, take notice of whether new businesses and restaurants are coming to a neighborhood or leaving. This can indicate whether purchasing a home in a certain area would be a quality investment.

Increasing rental expenses and more favorable homeownership conditions may persuade more people to purchase homes and bolster the housing market. 

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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2015 may be the year to buy a home

This may be the year to purchase a new home. In the nation's 100 largest metros, buying is more affordable than renting. Many individuals will benefit more from applying for a U.S. home mortgage than they will by signing another lease for an apartment.

Renting can cost twice as much as buying a home. Average buyers spend 15.3% of their monthly incomes on a housing payment, while the average cost of renting is 29.9% of renters' monthly salaries. This is a historically large gap between the two figures. Between 1985 and 1999, a renter or buyer's monthly income allotted toward housing showed a difference of only 2.8 percentage points.

Consider buying a home in specific markets. Markets with lower average home prices and anticipated sales growth are particularly favorable locations for investing. Some of these regions and their expected sales growth include: 

Both Atlanta and Dallas boast an average home price below $200,000, and Denver, Minneapolis and Phoenix all have average home values below $300,000. Strong housing markets with an anticipated growth in demand and new jobs may lend to population growth in the region. 

Jonathan Smoke, the chief economist for the National Association of Realtors, noted that "markets on this list range from big cities with older housing stock to big and mid-size cities with substantial levels of new construction to up-and-coming markets appealing to young professionals for their job growth and high affordability,"

Affordability, job growth and inventory help determine which regions can provide homebuyers with the best options for investing in real estate. 

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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Housing market shows more activity in some regions

A stronger housing market may be on the horizon. Consumers are reestablishing confidence in the market, and interest rates continue to stay low. These factors may indicate that 2015 will be a robust year for real estate.

Consumer confidence improves and homebuilders report stronger sales. The Wall Street Journal reported that January was a particularly strong month for real estate - especially when compared to 2014. This could be due largely to potential homebuyers' increased confidence in the market.

A great number of homebuilders are reporting that new home sales are more impressive than the previous year. The Wall Street Journal noted that homebuilder groups like Taylor Morrison Home Corp., M/I Homes Inc., PulteGroup Inc., Beazer Homes USA Inc. and Ryland Group Inc., saw a boost in sales.

"We really saw strength in all of our markets," said Sheryl Palmer, president and CEO of Taylor Morrison Home Corp., on a conference call with investors. "We've seen that momentum building in mid-December and continuing to build through all of January. It was just a phenomenal week last week."

The weather in January 2014 may have been partially responsible for the lower sales posted, but an undeniable increase was seen in January of this year. Taylor Morrison Home Corp. reported a 30% jump in January home sales year over year, and M/I Homes Inc. noted an 8% increase.

Low interest rates possibly responsible for the increasing buyer confidence. Redfin noted that the trend of low interest rates on U.S. home mortgages may be driving up consumer confidence. In addition, home prices are reaching a stable growth rate. The median sales price for a home jumped up 7.6% in January since last year. This is a far more stable growth rate than what has been seen in previous years, such as the 15.4% growth seen between 2013 and 2014.

Demand and inventory continue to grow. The number of potential homebuyers requesting home tours in January through Redfin increased 62% year over year. The total number of signed offers also jumped up 58% since the previous year. More first-time homebuyers are expressing interest in purchasing new homes. 

Inventory has increased to meet the rising demand as well. December 2014 saw 9.5% more new listings year over 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.

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