Academy delivers the Gold Standard in customer service, proving to be second to none. Our Loan Officers are easy to access and provide timely response, clear communication, and absolute follow-through. We invite you to put us to the test.
Whether you want to buy a new home or refinance an existing mortgage, Academy has a customized solution for you at historically low interest rates. Our mortgage professionals are equipped with leading-edge technology and tools to satisfy even the most challenging situations with confidence and efficiency.
Cornerstones of Success
When it comes to helping individuals and families achieve successful homeownership, Academy is 1st CHOICE. For over 25 years, we have delivered exceptional mortgage service, in-house loan fulfillment, a broad portfolio of products and tools, and integrity-based mortgage banking.
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.
Read these articles to educate yourself on the mortgage process and industry.
"Concerns about overseas economic developments have dominated financial markets to start the year. U.S.," noted Sean Becketti, Freddie Mac's chief economist. "Treasury bond yields fell amidst a global equity selloff and flight to safety. In response, the 30-year mortgage rate dipped 4 basis points to 3.97 percent."
Freddie Mac's survey shows drop in rates. The weekly survey indicated the average 30-year fixed-rate mortgage settled just below 4% at 3.97% for the week ending Jan. 7. This average is down 0.4 percentage points when compared on a week-over-week basis. A year ago at this time the average 30-year FRM was 3.73%.
The average 15-year FRM remained below 4% at 3.26%, but rose from last week's average of 3.24%. The rate settled at 3.05% at this time in 2015.
In addition, 5-year Treasury-indexed adjustable-rate mortgages settled at 3.09%, which is up from the previous week's average of 3.08% and up from last year's benchmark of 2.98%.
Bankrate shows benchmark rates falling, but 30-year FRMs rising above 4%. According to Bankrate's mortgage analysis, 30-year FRMs fell from 4.15% to 4.11% for the week ending Jan. 6. The survey included large lenders and was conducted by Bankrate.
Current interest rates for U.S. home mortgages remain relatively low, and interested buyers who have the means to finance this substantial purchase can still secure an affordable interest rate. Moving into next week, experts at Bankrate do not anticipate any substantial changes in interest levels, even with the release of the December jobs report.
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 a payment today.
Summer cleaning tips to keep your home in top shape
With summer well underway, Americans everywhere are likely trying to make the most of the warm months. Kids have ample free time, and many people like to take advantage of these months for travel and fun activities.
However, summer has a way of bringing new messes into a home, like sand from the beach or mud from the backyard. Cleaning doesn't always sound like the most fulfilling way to spend a nice afternoon, though. By staying on top of messes and addressing situations early, you can keep your home in tip-top shape all season long.
Everything in its place
It's easy to recognize when something isn't where it should be, and it can be even easier to tell yourself that you'll take care of it later. But the longer you put off simple chores like putting dirty dishes in the dishwasher or picking the clothes up off the bedroom floor, the messier your home will become.
"If it will take you less than two minutes to complete the chore, do it now."
Instead of letting simple chores fall by the wayside, stick to this simple rule: If it will take you less than two minutes to complete the chore, do it now. Clean Organized Family Home noted that this mindset can be instilled in children as young as three or four. Encourage them to put away toys at the end of the day and put their dirty clothes in the hamper.
Bring out the chore chart
If you have children, set clear expectations about what they need to do around the home by creating a chore chart, advised Daily Parent. Encourage them to ask questions about the chores they are assigned so that there are no misunderstandings that could lead to tension later.
"Be sure to explain exactly what's expected when he's asked to 'clean the bathroom.' Show him how to clean the sink, polish the mirror, clean the tub, etc," explained Tara Aronson, author of Mrs. Clean Jean's Housekeeping with Kids, according to Daily Parent.
Even if you don't have children, creating a schedule can help encourage you to stay on top of housekeeping tasks.
Before you leave town for a weekend or longer vacation, be sure your home is in good condition. This could include cleaning out the fridge so you don't come home to rotten food, taking out the trash and taking care of the laundry. Coming home to a messy, smelly house can be stressful, so the more you do before you leave, the better you'll feel when you return.
It's also a good idea to plan ahead to next season. While you may not want to think about cold weather, now is the perfect time to complete any home improvement tasks that will make the winter months more comfortable. Be sure your furnace is in good condition to last another year and check your windows and doors for drafts. Neglecting these tasks in the summer can make for an uncomfortably cold winter. Plus, upgrading these features is a great way to increase your home's resale value while also cutting energy costs.
Academy Mortgage is one of the top independent purchase lenders in the country as ranked in the 2015 CoreLogic Marketrac Report. Contact me to find a loan, get a rate, or calculate your payment today.
Most importantly, various regions were judged based on the Zillow Home Value Index Forecast, which is calculated using economic indicators to project home values in a specific housing market. Some of the variables are:
Household median income
Log of population
Long-term fundamental housing price
Top five regions expected to post substantial price increases. On a year-over-year basis, the top five markets will have the most notable growth in home values. These markets include:
The top spot is held by Denver, which is expected to experience a 5% increase in home value growth. The low unemployment rate level of only 3% works in this city's favor to a considerable extent. Seattle also has a notable expected year-over-year home value growth of 5.4%, but the rapid rate of home value appreciation may make affordability an issue for some hopeful buyers.
For interested homeowners, knowing which markets are best is almost as critical as applying for a favorable U.S. home mortgage. Individuals who want to make the move and become the owner of real estate property should become familiar with their local markets and observe other areas as well, to ensure the best deal when buying a house.
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.