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.
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Zillow Group partners with Google to improve consumer experience
Zillow Group recently announced plans to join Google Compare for Mortgages in an effort to bolster the current mortgage shopping experience.
Google Compare for Mortgages assists consumers in California searching for a home loan. According to Tech Times, Google has partnered with Zillow to release a free tool that allows interested buyers and current homeowners to compare various mortgage rates. This service is currently only available to lenders in California. However, more states will likely gain access to this tool in the near future.
"Whether you're a national lender or one local to California, people searching for mortgages on their smartphone or desktop computer can now find you, along with a real-time, apples-to-apples comparison of rate quotes from other lenders - all in as little as a minute," Google noted, according to Tech Times.
Zillow Group continues to improve online homebuying experience. A press release from Zillow Group indicated the operation plans to partner with Google to give consumers an easier way to understand and compare various loan packages online.
With access to real-time lender rates, ratings and reviews, interested homebuyers can feel more confident and informed before making their final decision and agreeing to the terms of a U.S. home mortgage.
"Zillow Group and Google share the same vision to first and foremost empower consumers with comprehensive access to valuable information that helps them make confident, more informed financial decisions," said Erin Lantz, Zillow Group vice president of mortgages. "This partnership allows us the unique opportunity to help borrowers by providing them with the industry's most accurate, real-time information about home loans and mortgage lenders while simultaneously offering Zillow Group's lenders increased reach for their businesses."
First-time homebuyers have grown accustomed to using their smartphones, tablets and computers for making purchases, conducting research and connecting with others. By allowing the modern consumer to quickly and easily compare and contrast various rates and lenders, a better decision can be made.
Today's buyers will likely feel more confident in entering the housing market if they can compare lenders. Zillow Group and Google provide a unique opportunity and meet a substantial need among not only first-time homebuyers, but also individuals who may be interested in refinancing their current mortgage.
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.
A home purchase can seem like a daunting task, so it’s important to take it step by step and know that help is out there to streamline the process. Sure, you might have been saving money for years, but what else can you do to help fulfill your dream of owning a home? It starts by applying for a mortgage. Mortgages are designed to help individuals and families purchase a house when they otherwise might not have been able to.
Prepare to apply. In order to apply for a mortgage, you will want to do your homework first. This means knowing exactly where you stand financially. Assess your household budget and savings, seeing just how much you can afford to spend on a down payment. From there, you want to request your credit report. This will have a significant impact on what the interest rate will be on your home loan and whether or not you qualify for a purchase at all. Your credit score shows a lender essentially how trustworthy you are. While a poor credit score will hurt your chances of obtaining a low rate, don’t let it completely discourage you. There are ways to purchase a home even with a less-than perfect score and ways to raise your score.
Get pre-qualified. Once you know you want to purchase a home, you will want to consider getting pre-qualified for a mortgage immediately. This can help speed up the process, not to mention help you avoid potential headaches down the road. For example, you might have found the home of your dreams, but getting approved for a mortgage could take some time, something that could cost you an opportunity at purchasing. A pre-qualification will last 90 days, ensuring you are all set when you finally decide to pull the trigger on a purchase.
Finding a home. After you’re pre qualified for a loan, you’ll know how much you can afford. Now you can begin searching for the home of your dreams, without having to worry about whether you’ll actually be able to make a purchase.
Final loan approval. You will receive final approval for a home loan if you have a good credit score and debt-toincome ratio. Keep in mind that approval could depend on certain financial or property conditions that need to be met first.