Christy Balsbaugh

NMLS# 283803

Senior Loan Officer

Christy Balsbaugh
Senior Loan Officer

NMLS# 283803
State Lic: CA # CA-DOC283803;
3224 McHenry Ave
Suite C & D
Modesto, CA 95350
Direct: (209) 809-2333
Mobile: (209) 968-4716
Fax: (866) 916-7988

Christy was amazing. She was quick to respond to my many questions and was able to walk me through the process every step of the way. Anthony Palleschi, Client
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I have had the privilege of serving buyers and realtors for over 15 years. I truly value my clients. Qualifying for a loan, along with the home buying process, can be very stressful. You can rest assured that I will diligently walk you through every step of the way. I pride myself on always communicating and working extra hard for you. My goal is to have clients forever, clients who refer their friends and family to me. Because of that, I take my career very serious. I pour my all into every client and my career is built on happy clients.

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.


Watch helpful videos to learn more about Academy.

NMLS# 283803

State Lic: CA: CA-DOC283803;

Corp Lic: CA: 4170013;

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


You've Decided To Buy a Home-Now What?

KELLY’S KORNER — YOU’VE DECIDED IT’S TIME TO BUY A HOME. NOW WHAT? You have decided you want to buy a home—now what? What do you do first? If you are like most first-time homebuyers, you start looking online at homes you think you can afford, and you may even call the listing agent for that home. If the Realtor is a professional, the first thing they will ask is if you are pre-approved. The first thing you need to do is take inventory. Yes, take inventory of your savings, your spending habits, your monthly expenses, and what your credit looks like. You need to start by looking at your bank accounts. How much do you have in your savings account? You will need to have at least 3-3½% for down payment. You will also need to have money saved up for closing costs, moving expenses, and for the cost of moving utilities. Closing costs will vary depending on the state you live in. Florida closing costs contains fees such as: appraisal fees, document stamps, intangible taxes and title insurance. Speak with a mortgage professional to find out costs in your area. January is a month of new beginnings, so if you do not currently have a budget, start one. I have an excellent budget worksheet that I like to give clients. When planning a budget, you should be realistic about what your expenses will be for the year. Be sure to include money you need for car repairs, medical expenses, family’s and friends’ birthdays, holidays, and anniversaries. And don’t forget to budget for some fun. If you do not leave funds in your budget to do the things you love to do, you will fail. Budgeting is not a punishment—it is a way for us to achieve our financial goals. Checking out what your credit looks like is also very important. Your credit score will affect your interest rate on your mortgage and other loans you may take out. It also affects what you might pay on home owners insurance. Always remember that individuals with excellent credit will be rewarded with lower rates. Individuals with poor credit will receive higher interest rates because of the potential risk that the borrower will not pay on the loan and it could go bad. Once a year, on your birthday, check out what is on your credit. Review it to make sure everything on there is yours and is being reported correctly. You don’t need to pay for your score—just look at the report. For more information on these topics, contact Kelly Stinefast with Academy Mortgage and I can discuss your unique scenario. Kelly Stinefast Mortgage Loan Originator NMLS # 679724 Florida ID#L029020 Corp NMLS #3113 Fl. Lender ID # MLD241 3665 Bee Ridge Rd Suite 210 Sarasota FL. 34232 941-916-8001 ×

Hot housing markets emerge in 2016

A new year brings new competitive housing markets, and Zillow Group recently announced its picks for the hottest markets for 2016.

Several factors determine what's 'hot.' According to Zillow, there are a few different elements that are considered when deciding which regions are best for hopeful homeowners, including:

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:

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:

  1. Denver
  2. Seattle
  3. Dallas-Fort Worth
  4. Richmond, Virginia
  5. Boise, Idaho 

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 to find a loan, get a rate, or calculate your payment today.


Buying v. renting in 2016

Determining whether to rent or apply for a U.S. home mortgage and buy property is a difficult decision many interested buyers must carefully weigh. According to Zillow Group, rental growth will likely slow down in 2016, but affordability will continue to be a concern. This may encourage a higher number of individuals to buy homes this year.

Median rental rates expected to slow down. Median U.S. rents grew at an annual pace of 3.3% in December. This pace is expected to decelerate to 1.1% by the end of 2016. However, while growth might be slowing down, it still is occurring.

Consumers must determine whether to rent or buy. According to Business Insider, one of the best ways for individuals to determine whether to sign a lease or look for a mortgage is to know how long they plan to stay in the given location, and from there, determine which option is more affordable.

To figure out the break-even year, consumers must consider the average monthly mortgage payment, rent and home price. 

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.