Andrew Baer

NMLS# 1404208

Loan Officer

Andrew Baer
Loan Officer

NMLS# 1404208
State Lic: AZ # 0931983; WA # MLO-1404208; OR # 1404208; CA # CA-DBO1404208;
2314 South Val Vista Drive
Gilbert, AZ 85295
Direct: (480) 917-4480 x43059
Branch: (480) 722-9900

We are proud to be one of the top independent purchase lenders in the country. We achieved this distinction by continually providing exceptional customer service and by following responsible lending practices, especially in today’s rapidly changing economy.Adam Kessler, CEO, Academy Mortgage
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It’s all about service at Academy Mortgage, and our company has been meeting the needs of homebuyers 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 homeownership. 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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NMLS# 1404208

State Lic: AZ: 0931983; WA: MLO-1404208; OR: 1404208; CA: CA-DBO1404208;

Corp Lic: AZ: BK-0904081; WA: CL-3113; OR: ML-2421; CA: 4170013;

Licensed by the Department of Business Oversight Under the California Residential Mortgage Lending Act;


Lending industry professionals prepare for TRID

The implementation date for the TILA-RESPA Integrated Disclosure (TRID) rule - also known as Know Before You Owe - introduced by the Consumer Financial Protection Bureau, is quickly approaching.

Industry professionals prepare for the transition. The official Oct. 3 deadline has caused a great deal of concern among professionals working in the lending industry. Some fear the new regulation could potentially delay closings and cause issues. However, according to the CFPB, the new mortgage disclosures are unlikely to delay closings

The new rule provides those who apply for a U.S. home mortgage with easier and more understandable documents to ensure they understand the terms and conditions associated with the loan product they've decided on. Borrowers will have three business days to review the terms, and if ordinary changes are necessary before closing, no major delays will ensue. 

In addition, the extension from the original implementation date of August 1 allowed professionals working in the industry to better prepare for the change and ensure a smooth transition. 

Survey indicates a majority of real estate agents have been trained. According to the New Closing Process Survey, conducted by the National Association of Realtors, 82.2% of all participants have enrolled in some form of training in preparation for TRID regulations. 

Many real estate agents also indicated they will make changes to accommodate the Know Before You Owe rule. For example, 55.9% of respondents plan to alter their purchase agreements to oblige the new closing process by adding a longer timeline.

According to the survey, many respondents have also developed a plan with their lending partner to ensure closings go smoothly despite a change to the system. It is crucial that all individuals in the lending industry work together to ease the transition, and the fact that real estate professionals and lenders are creating a plan before the implementation date bodes well for a smooth adoption of the Know Before You Owe rule. 

In addition, 71.2% of agents indicated their level of preparedness for TRID as average or better - a promising level of optimism among industry professionals.

Individuals applying for a U.S. home mortgage after TRID's implementation date can feel confident knowing lending professionals are working to ensure the best experience for consumers. 

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.


Millennials and the housing market

Millennials are generally defined as individuals born between 1980 and 1995. The National Association of Realtors indicated these young adults make up 31% of today's homebuyers, so understanding the habits and desires of this demographic is important to industry professionals. indicated these young adults will be the primary drivers behind the real estate market in the years to come. 

"People who believe that millennials are disinterested in homeownership are grossly mistaken," said Jonathan Smoke, the NAR's chief economist. "This generation hit the job market during one of the largest recessions of all time, and they've had to work hard to establish credit and save for a down payment. With the older segment just beginning to enjoy living the life that drives homeownership - including marriage and children - now is the most appropriate time for them to consider homeownership. And that's exactly what the latest numbers are showing."

Young buyers enter the real estate market. According to, there are a high number of millennial homebuyers investing in Des Moines, Iowa, houses. Nearly 60% of individuals applying for a U.S. home mortgage in this capital city were between the ages of 25 and 34. 

The Urban Land Institute's survey, "Gen Y and Housing: What They Want and Where They Want It," indicated one of the top-ranking features young adults consider when buying a home is the cost. Other important features included:

Affordable homes with close access to a plethora of restaurants and entertainment attract a higher number of young buyers. Local markets that can offer these perks can expect an influx of millennial prospective homeowners. 

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.


Interest rates for home loans decrease in the wake of Fed decision

Interest rates for the average U.S. home mortgage slid lower during the week ending Sept. 24, according to Freddie Mac's Primary Mortgage Market Survey. As rates have fallen, the number of homeowners interested in refinancing their current mortgage and those looking to purchase property have increased. 

"Global growth concerns and lackluster inflation convinced the Fed to defer a hike in the Federal funds rate. In response, Treasury yields fell about 9 basis points over the week, with some larger day-to-day swings along the way," said Sean Becketti, Freddie Mac's chief economist. "In response, the interest rate on 30-year fixed rate mortgages dropped by 5 basis points to 3.86 percent. Mortgage rates have remained below 4 percent for 9 consecutive weeks and have remained range-bound between 3.8 and 4.1 percent since May. These low mortgage rates have supported strong home sales, and 2015 is on pace to have the highest home sales total since 2007."

Home loan interest rates dip. According to the survey, 15-year fixed-rate mortgages averaged 3.08%, which was down from the previous week's average of 3.11%. When compared on a year-over-year basis, the average rate is 0.28 percentage points lower. 

The average 30-year FRM slid to 3.86% after the previous week's average of 3.91%, and this week's average 30-year FRM is also lower than the 4.2% seen at this time a year ago. 

Both the 5-year Treasury-indexed hybrid and 1-year Treasury-indexed adjustable-rate mortgages decreased on week-over-week basis. 

Mortgage applications rise. The Mortgage Bankers Association's weekly survey for the week ending Sept. 18 indicated applications for mortgages rose 13.9% from the previous week. The share of refinancing applications rose to 58.4% from the previous week, and the share of adjustable-rate U.S. home mortgages ticked up to 6.9% of all applications. 

"We saw significant rate volatility last week surrounding the FOMC meeting, and rate declines toward the end of the week likely drove applications from both prospective home buyers and borrowers looking to refinance," said Mike Fratantoni, the MBA's chief economist. "The 30-year fixed rate remained unchanged over the week even though there was substantial intra-week fluctuation, but we saw rate decreases in other loan products like the 15-year fixed, 5/1 ARM, and 30-year jumbo."

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.