Brian Crist

NMLS# 217767

Sales Manager

Brian Crist
Sales Manager

NMLS# 217767
State Lic: UT # 5488037; CA # CA-DBO217767; CO # 100509958;
170 S. Interstate Plaza Drive
Suite 230
Lehi, UT 84043
Branch: (801) 901-6200
Mobile: (435) 862-9000

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The Right Company

Academy Mortgage 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.

Local In-house Process

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.

Real Personal Attention

I will be in control of your loan file from start to finish. Continuous communication throughout the loan process and commitment to providing you accurate, timely, and honest mortgage advice and truthful information about the status of your loan. No call centers here!

Get your mortgage done right and on time.

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I had a great experience with everyone here. I cant think of going through anyone different. Kimberlie Whitesell

NMLS# 217767

State Lic: UT: 5488037; CA: CA-DBO217767; CO: 100509958;

Corp Lic: UT: 5491140-MLCO; CA: 4170013; CO: 3113;

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


FHA loan savings vary across regions

Expenses decreased for loans provided by the Federal Housing Administration to make homeownership more accessible to Americans. According to a press release from the White House, potential borrowers can save $900 annually on their mortgage payments with the adjusted FHA loan pricing.

The potential reduction in cost may appeal to a number of interested buyers. However, a possible homeowner should first be aware of where house payment savings are most apparent and whether he or she would benefit from an FHA loan before applying for a U.S. home mortgage.

Homebuyers must know the average price of a home in their markets. The savings associated with an FHA loan will fluctuate depending on which housing market a home is located in. RealtyTrac, a realty information company, created a map that shows both the annual savings after the reform as well as where an individual with a median income would spend 28% or less of his or her salary to afford a median-priced home.

Los Alamos, New Mexico, for example proved to be a beneficial area to invest in housing by utilizing an FHA loan because annual savings could add up to $1,124 and home affordability, or percentage of income spent on median-priced housing, sits at 16.15%. Anchorage, Alaska, teeters just above 28% at 28.5% but offers $1,351 in annual savings.

Ouachita, Louisiana, offers only $670 in annual savings and 28.6% in home affordability. Adams, Mississippi, might show an average annual savings of $1,351 but with an 81.98% affordability rate, an FHA loan in region like this may not provide you with the best deal.

Potential buyers should be familiar with their local housing markets and know the benefits an FHA loan may provide before beginning the application process.

Some applicants benefit from FHA loans. The Columbian reported that a potential borrower able to provide a down payment of 5% or less coupled with a credit score ranging from 620 to 719 would find FHA loans more cost effective than a conventional loan. However, a higher credit score and the financial stability to provide a larger down payment might mean a conventional loan is a better option due to upfront premium fees that are still associated with an FHA loan. 

A mortgage provided through the FHA can help first-time homebuyers who may be intimidated by down payment and credit score requirements. According to the U.S. Department of Housing and Urban Development, the first step down the road of homeownership requires organization. A potential homeowner should determine what his or her financial capabilities are and research opportunities and resources available to him or her. HUD provides many buyers with access to housing counselors who can help individuals navigate through the process of purchasing a new home.

Awareness and understanding of local housing markets, anticipated savings and possible home loan options can help alleviate extra costs associated with homeownership.  

Academy Mortgage is one of the top independent purchase lenders in the country as ranked in the 2013 CoreLogic Marketrac Report. Visit to find a loan, get a rate, or calculate your payment today.


Buying more affordable than renting in two-thirds of US counties

A higher number of individuals might decide to apply for a U.S. home mortgage instead of signing another expensive lease for an apartment. According to RealtyTrac, investing in a house is more affordable than renting in most major counties. 

Renting rates increase, making buying more affordable. RealtyTrac's Buy-to-Rent analysis revealed 66 percent of U.S. counties have better home affordability than rent.

The analysis considered median incomes of 285 counties in the U.S. and how much is needed to pay fair-market rent for a three-bedroom apartment, then compared it to the amount that would be needed for monthly mortgage payments, property taxes and insurance for a purchased property, noted Mortgage Daily News. 

The results indicated 29.96% of household income was needed to pay for rent, while only 29% was necessary to buy a home. 

"As home price appreciation moderates and aligns more closely with trends in rental rates, the returns in the buy-to-rent market are stabilizing and becoming more predictable - if not as lucrative as they were for investors who purchased a few years ago near the bottom of the market," Daren Blomquist, vice president at RealtyTrac noted. "Buying rentals continues to be a brilliant strategy that allows investors to hedge their bets in a real estate market shifting away from homeownership and toward a sharing economy."

The number of buy-to-rent returns also decreased in 59% of analyzed counties when compared on a year-over-year basis. This is the first time this has occurred in the last five months. According to the analysis, three-bedroom rental rates jumped 3% on a year-over-year basis for all 285 major counties included in the report. In 2014, the year-over-year change was only 1%. 

Some counties better to buy. There are a number of regions where, on average, rent is notably more expensive than buying a home. Some of these include: 

The rising rent in regions like South Florida, coupled with historically low interest rates, encourage more individuals to purchase homes due to financial circumstances. 

In addition, wage increase also may contribute to a higher number of interested buyers deciding to enter the market and buy homes. 

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.


Young couples more interested in homeownership

Couples who plan to get married may be more interested in applying for a U.S. home mortgage and purchasing a new home together. 

Many couples would use a large pre-wedding money gift toward a home. According to a survey conducted by Trulia, an online real estate company, 69.5% of respondents noted they would use a gift of money toward the purchase of a new home. Women (73%) are more likely to spend gifted money on real estate than men (61%). 

Most participants indicated a home would be the preferred purchase. Only 11.9% would use the money toward a new car, 10.4% would invest in their honeymoon, 6.1% would spend a gift on their wedding and only 2.1% of participants would put it toward a larger engagement ring. 

Young buyers want larger homes. Many individuals interested in purchasing a new house also want homes with more bedrooms. The ideal number of bedrooms for 51.6% of respondents is three, while 26.5% of couples want a four-bedroom home. 

When it comes to purchasing the perfect home, many couples are willing to make sacrifices. About 26.9% would eliminate excess spending on eating out at restaurants and ordering food to be delivered, while 23.9% of respondents would invest in a smaller wedding. 

Young buyers care about their neighborhood. Among the surveyed couples, most individuals want to live in an area with a good school system. Additional factors that are important to young buyers include the commute time to work and the square footage of the home. 

Couples should plan ahead of time. Because a home is such a substantial investment, many pairs who decide to buy a home before getting hitched should consider signing a prenuptial agreement. Forbes noted the laws regarding a married couple are clear, while an unmarried duo might be entering murky waters. 

"Married couples have a large body of law to protect their rights if their union dissolves. With unmarried partners, the law is less clear," noted Patrick Horning, an advanced planning director. 

If couples decide to purchase before marriage, Forbes recommended getting a prenup for the home because it will likely be the largest asset the two individuals invest in. 

"When unmarried couples enter into a financial contract such as a home purchase, both credit scores are impacted by the success of that joint purchase," stated Horning.

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.