Chris Wilson

NMLS# 133481

Senior Loan Officer

Chris Wilson
Senior Loan Officer

NMLS# 133481
State Lic: FL # LO14351 ; CA # CA-DOC133481 ; MI # 133481;
3600 Green Court
Suite 300
Ann Arbor, MI 48105
Direct: (734) 239-1492
Mobile: (734) 239-1492
chris.wilson@academymortgage.com

Academy's My Mortgage App

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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ARTICLES

Read these articles to educate yourself on the mortgage process and industry.

VIDEOS

Watch helpful videos to learn more about Academy.
This has been the easiest process we have ever had regarding our mortgage. Chris Wilson is a great person who was very helpful through out the whole process. Also everyone we dealt with was very helpful and everything was done in a timely manner.Jeffrey Wright

NMLS# 133481

State Lic: FL: LO14351 ; CA: CA-DOC133481 ; MI: 133481;

Corp Lic: FL: MLD241; CA: 4170013; MI: FR0018875;

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

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10 STEPS TO HOMEOWNERSHIP

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

1. Loan pre-qualification. Pre-qualification allows you to search for a home that you can afford based on your credit, income, and assets.

2. Home search. Once pre-qualified, 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 loan application is being processed, an appraisal is ordered to identify any discrepancies between the sale price and appraised value. An inspection of the property is also conducted if you request it. A home inspection is optional, while an appraisal is required by Academy Mortgage.

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. 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 settlement agent.

9. Close of escrow. The loan funds are disbursed to the entitles parties and escrow is "closed."

10. Confirmation of recording. Documents that transfer titles are recorded with the county to legalize you as the new property owner.

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

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Healthiest markets in the U.S.

More individuals interested in buying a house have finally decided to apply for a U.S. home mortgage. This increased demand is contributing to a healthier real estate market. 

Some local markets healthier than others. While most of the nation is seeing improvement, there are some regions which have become significantly stronger, according to the National Association of Realtors. 

Some of the best housing markets in July included: 

California cities made up a substantial portion of the hottest regions for real estate. Demand for homes in this state is especially high. 

"These hottest markets are the best in the country from both a supply and demand perspective," said Jonathan Smoke, Realtor.com's chief economist. "Sellers are seeing listings move much more quickly than the rest of the country and at an accelerating pace from just last month. Meanwhile, these markets are clearly attractive to buyers as the listings in these markets are viewed as much as three times more often than the national average."

Inventory rising to meet demand. Prices for homes are rising, but so is construction spending. This helps further improve the market. 

"This year we're seeing inventory continue to grow in July, albeit at a slower pace than this spring," Smoke noted. "And while demand overall is strong, the trend in median days on market is suggesting that the market is finding more of a balance, which bodes well for more moderate price appreciation in the months ahead."

The National Association of Homebuilders indicated builder confidence was especially high in July. This level of confidence has not been seen since November 2005. 

"The fact that builder confidence has returned to levels not seen since 2005 shows that housing continues to improve at a steady pace," NAHB Chairman Tom Woods said. 

In addition, the NAHB indicated an increase of 9.8% for housing starts in June, according to a press release on July 17.

Heightened demand for housing, the improving economy and job growth have helped bolster the housing market and ensure recovery continues. 

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.

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