Andrew Baer

NMLS# 1404208

Loan Officer

Andrew Baer
Loan Officer

NMLS# 1404208
State Lic: AZ # 0931983; WA # MLO-1404208; OR # 1404208;
2168 E. Williams Field Road
Suite 235
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;

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


Foot traffic is up and mortgage applications are down

Fall is on its way and housing market conditions are reflecting it. According to the Mortgage Bankers Association, applications for home loans are down. A decrease in housing demand may be welcome news for interested buyers looking to purchase a home in a buyer's market. 

Applications decrease for the week ending Sept. 11. According to the MBA's weekly survey, the number of individuals who applied for a U.S. home mortgage slid 7% on a week-over-week basis

The share of loans through the Federal Housing Administration increased to 14.2% from 13.4% a week earlier. Shares of refinancing activity, loans through Veterans Affairs and adjustable-rate mortgage applications decreased slightly from the previous week, while the U.S. Department of Agriculture's share of applications remained the same. 

With lower demand for housing, fall might be the best time for interested buyers to take advantage of greater affordability. In fact, some individuals may have already begun their search. 

Foot traffic increases in August. Because fall is typically a slower season for housing activity, some individuals looking to purchase a home might be starting their search to position themselves in a more affordable market. 

According to the National Association of Realtors' Foot Traffic Report for August 2015, foot traffic increased to 72.4, which is the highest level seen in more than three years. A number above 50 indicates that more than half of all markets have stronger foot traffic than the same month a year earlier.

This healthy increase demonstrates individuals continue to have interest in investing in real estate. 

Fortunately, the foot traffic index has remained above 50 for the last nine months. 

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.


Realtor Confidence Index indicates strong market

The real estate market continues to thrive as more qualified borrowers are applying for U.S. home mortgages and beginning their searches for the home of their dreams. According to the National Association of Realtors' Confidence Index for July 2015, most participants feel "strongly confident" about the next six months. 

Realtors remain confident in the housing market. The Index showed confidence in the single-family markets settled at 68. While this is a slight decrease from the rate seen last month, 72, it still represents strong evidence that the market is doing well. If the index is 50, that indicates a "moderate" outlook, while a 68 indicates professionals still feel "strongly confident" in the future of the real estate market. 

Both townhomes and condominiums also saw a slight dip, but remain positive. 

Affordability is the primary concern. The index indicated many participants were concerned about the price for homes in the U.S. With the increasing demand and low inventory, home affordability is a concern for many families. The high prices are creating a seller's market, and current homeowners can take advantage of the quickly growing value of their homes. 

Fortunately for interested buyers, construction is increasing to meet demand. In addition, it will encourage people to apply for a home loan through a mortgage company and help strengthen the housing market. According to a joint press release from the U.S. Census Bureau and the U.S. Department of Housing and Urban Development, residential construction skyrocketed in July. Housing starts rose 12.8% when compared on a month-over-month basis and building permits increased 16.3%. 

Housing completions were up 14.6% on a year-over-year basis and 2.4% above June's numbers. All housing completions came to a total of nearly 1 million. 

An increase in homes available to interested buyers will help manage the steep increases of real estate value in the U.S. Better affordability for consumers has the potential to encourage individuals to invest in housing and help further strengthen the market. 

In addition, historically low rates and low down payment options through government-sponsored enterprises, like Freddie Mae and Fannie Mac, provide ample opportunities for interested buyers to become homeowners. 

Academy Mortgage is one of the top independent purchase lenders in the country as ranked in the 2014 CoreLogic Marketrac Report. Visit to find a loan, get a rate, or calculate your payment today.


Zillow Group reports third-quarter results

According to a press release from the Zillow Group, the online real estate company experienced impressive growth and development during the third quarter of 2015.

Zillow Group posts gains. Zillow Group indicated revenue for the company increased 13% when compared on a year-over-year basis. The entity acquired Trulia earlier this year in a $2.5 billion stock deal, and the new partnership seems to be paying off.

Inman reported Zillow Group's cost-cutting after acquiring Trulia may have driven the success of the company. In addition, the operation spent less on advertising, which also contributed to higher gains in the third quarter.

"The third quarter was a remarkable one for Zillow Group, exceeding EBITDA expectations significantly. We also completed the unification of Zillow's and Trulia's ad platforms, marking the end of our major transition period of integration," said Zillow Group's CEO Spencer Rascoff. "We finished this integration four months ahead of schedule, and are ending 2015 in tremendous shape. Zillow Group will enter 2016 with the potential for robust sustainable growth in the years ahead."

Financial growth suggests improving market as well. While Zillow Group's strategy may be driving its success, an improving real estate market may also be responsible for the growth. As more interested buyers, particularly first-timers, are becoming financially capable of investing in a home, they are likely turning to modern companies that can meet their real estate search needs. Searching for a home can be done on a computer, tablet or smartphone with the help of Zillow Group.

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.