Andrew Baer

NMLS# 1404208

Loan Officer

Andrew Baer
Loan Officer

NMLS# 1404208
State Lic: AZ # 0931983; WA # MLO-1404208; OR # 1404208;
2168 East Williams Field Road
Suite 235
Gilbert, AZ 85295
Direct: (480) 917-4480 x43059
Branch: (480) 722-9900
andrew.baer@academymortgage.com

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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Welcome!

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;

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Mortgage applications increase

According to the Mortgage Bankers Association's weekly survey, applications for home loans rose 11.8% for the week ending Oct.16.

"On an adjusted basis, application volume increased last week, led by a sharp rebound in government volume," said Mike Fratantoni, MBA's chief economist. "We expect that application volume will remain volatile over the next few weeks as the industry continues to implement TILA-RESPA integrated disclosures."

While TRID has the potential to impact the lending process, the current interest in homeownership has remained strong. 

Mortgage applications rise. The survey indicated government applications were the primary driver behind the increase in total applications. U.S. home mortgages insured by the Federal Housing Administration accounted for 14.3% of all applications, which is up from the previous week's share of 12.6%.

The number of home loan applications through the U.S. Department of Veterans affairs increased to 12.7% from 11.5%, and the share of U.S. Department of Agriculture loans rose to 0.6% from 0.5%.

In addition to the increasing number of home loan applications, multifamily lending also increased in 2014, which indicates the housing market has become much stronger since the recession. 

The MBA report shows multifamily lending increases. According to a report published by the MBA, multifamily lending increased 13% in 2014 when compared on a year-over-year basis. 

"Lenders provided more than $195 billion of capital to multifamily apartment owners in 2014, a new record," said Jamie Woodwell, MBA's Vice President of Commercial Real Estate Research.  "The lending came from a range of lenders - with two-thirds making five or fewer multifamily loans during the year - and went to a range of borrowers - with more than one-quarter of the loans being for $500,000 or less.  The market has continued to expand this year and shows every sign of breaking last year's record."

Healthy and strong lending suggests that the housing market and economy are conducive to further growth in the lending industry. As more individuals become interested in purchasing a new home or investing in real estate, the market will continue to improve for consumers as well as industry professionals. 

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.

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Green homes appeal to today's buyers

Many of today's homebuyers want energy-efficient homes when they're searching for property. According to the National Association of Home Builders, a recent study showed exactly how critical green features are to buyers.

"This new study is an incredibly useful tool to help builders and remodelers determine not only consumer attitudes towards green homes, but also which green features consumers care most about," said NAHB Chairman Tom Woods, a home builder. "We have seen incredible growth in green and sustainable building over the years, and the results of this survey only further solidify the continued consumer interest in green building, and which attributes matter most these buyers."

Energy efficiency is a key consideration. The survey indicated that 88% of participants considered energy efficiency a top influence during their home purchase decision. In addition, 85% were concerned with lower operating costs.  Approximately 32% of participants associated water, energy and high efficiency with green homes, and only 8% associated solar power, energy and panels with green homes. An emphasis on improved energy efficiency is seemingly more important than solar technology. Therefore, homebuilders and current owners who want to attract buyers don't necessarily need to invest in the most expensive and advanced features, but rather incorporate upgrades that increase overall efficiency in the home. 

Green features increase appeal. According to U.S. News & World Report, there are a plethora of inexpensive upgrades that can increase energy efficiency and ultimately save homeowners a substantial sum of money. Low-flow water features reduce water consumption and can save as much as $145 annually. This upgrade is affordable, and the return on investment makes it worthwhile. 

A programmable thermostat is another effective and economical upgrade that interested homebuyers will appreciate. These devices can save homeowners as much as $150 annually on energy bills, making them an especially appealing investment for those looking to attract buyers. 

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.

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TRID resources available to consumers and industry professionals

The Oct. 3 deadline for the TILA-RESPA Integrated Disclosure Rule is quickly approaching. Fortunately, in preparation for the implementation of this regulation, there are resources available to those involved in the homebuying process. 

The MBA offers helpful tools for understanding TRID. The Mortgage Bankers Association recently announced the launch of its new resources for the Know Before You Owe Rule. 

Consumers, lenders and real estate agents can access free material that helps deepen each party's understanding of the new rule and how it will impact the lending process in the future. 

The succinct and user-friendly resources include two one-page documents catered to either consumers or industry professionals, focusing on how TRID will impact the lending process. While there are resources available to brokers and real estate agents, those looking to apply for a U.S. home mortgage should also have access to materials elaborating on how TRID will impact their experience. Borrowers can also identify how they can ensure a smooth application and closing process when purchasing a new home. 

In addition, the MBA offers a PowerPoint slide deck that professionals can use to further educate their colleagues. 

"MBA has worked closely with the CFPB to create these materials so that both consumers and the real estate community can comply with the new procedures in an efficient and smooth process," noted MBA President and CEO David Stevens. "Our industry has been preparing for these changes over the last several months and we are confident that everyone involved in the closing process will benefit as a result of these new rules."

Those interested in downloading a copy of any of the resources can do so on the MBA's website

The CFPB publishes "Your home loan toolkit." The Consumer Finance Protection Bureau offers interested buyers a detailed guide to both the homebuying and home loan application processes

The brochure was created to help provide a clear understanding of the new lending process, focusing on what an interested buyer should consider when looking to purchase a new home and apply for a mortgage. Consumers can request a hard copy of the booklet or access it on the CFPB's website

With more resources available to those involved in the homebuying process, there should be a smooth adoption of the TRID regulation across the industry. 

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.

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