Branden Bates

NMLS# 227390

Loan Officer

Branden Bates
Loan Officer

NMLS# 227390
State Lic: CA # CA-DOC227390;
1210 Stabler Lane
Yuba City, CA 95993
Direct: (530) 671-4214
Mobile: (530) 713-6466

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As a loan officer at Academy Mortgage , my objective is to secure the financing that fits your needs, makes sense to you, and helps achieve your financial goals. I have over 15 years in the mortgage industry and I can assist you with your next home purchase or refinance. My main focus as a mortgage consultant is to help you understand the process and give you honest answers to your questions. We are here to educate you throughout the loan and make sure we keep the transaction stress free. The smoother the transaction, the more likely we do business together again. Thank you for visiting my webpage and I look forward to working with you in the future.


Mortgage Education

View these helpful tips for becoming a homeowner.
Working with Branden Bates has been an extraordinary experience . He and his team work very hard to get the job done when other lenders can fall short. I would say he is a Miracle worker and has closed loans that others couldn't even touch. Being a professional in this industry, I want my client's to be in great hands. I would recommend Branden 100% every time . Through his communication. follow up, and commitment, you alway's know you have someone on your side. I know my clients are always taken care of, and anyone who uses his services would be too!!Nora Alkhudr

NMLS# 227390

State Lic: CA: CA-DOC227390;

Corp Lic: CA: 4170013;

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

Tips for a Simple Loan Approval

If you encounter a special situation, it is best to mention it to us right away so we can help you determine the best way to achieve your goals.




10 Steps to Homeownership

From pre-approval to closing, Academy will help you along the road to homeownership. You can count on us for responsible, honest, and ethical service in every step of the process.

  1. Loan pre-approval. Pre-approval allows you to search for a home that you can afford based on your credit, income, and assets. An application and supporting financial documents must be submitted to your Loan Officer, including pay stubs, tax returns, and account statements.
  2. Home search Once pre-approved, start shopping with your real estate agent! When you decide on the right home for you, the terms of sale are negotiated and your agent presents your offer to the seller.
  3. Formal loan application and product selection. After the seller accepts your offer, formally apply for home financing and select the ideal loan product to meet your needs.
  4. Appraisal and home inspection. As your application is being processed, an appraisal is ordered to identify any discrepancies between the sale price and appraised value. Properties are also inspected for water and termite damage and other safety hazards.
  5. Processor’s and underwriter’s review. A loan processor reviews the entire loan file and sends all pertinent information to an underwriter who makes the final decision to approve the loan.
  6. Final loan approval. If you have a good credit score and debt-to-income ratio, your loan will likely be approved. Keep in mind that there may be financial conditions or property conditions that need to be met before final loan approval.
  7. Closing. Final loan and escrow documents are prepared and signed by you (the buyer) and the seller.
  8. Funding. A wire or check for the amount of the loan is sent to the title company.
  9. Close of escrow. Documents that transfer titles are recorded with the county.
  10. Confirmation of recording. The title company authorizes the escrow company (or closing agent) to draft a check to the seller.

Ultimately the final step . . . MOVE INTO YOUR NEW HOME!



For many, the benefits of buying a home outweigh the advantages of renting. With mortgage interest rates at historic lows and rents on the rise, now is an affordable time to finance a mortgage with a fixed monthly payment lower than rent.

If you plan to stay in your home for more than six years, buying a home could save you thousands of dollars over renting. And don’t forget about the noisy neighbors upstairs.

The Benefits of BUYING

Mortgage loan interest is deducted from your state and federal income taxes and a portion of your property taxes may also be deducted.

Fixed mortgage payments (principal and interest) will not change during the loan term whereas rent payments may increase annually.

Owning a home long term allows equity to build and thus your home investment to grow.

The Benefits of RENTING

Renting may be the preferred option for those planning or needing to make a move in less than six years.

Renters are often able to rely on landlords and property managers to pay for and make necessary home repairs.

Some utility expenses may be included in monthly rent payments.

Contact me today to start realizing the benefits of homeownership.

Please consult a tax professional about your specific situation and the tax savings benefits of homeownership.