Holly Vollbracht

NMLS# 239821

Loan Officer

Holly Vollbracht
Loan Officer

NMLS# 239821
State Lic: AZ # 0912022;
1750 East Northrop Blvd
Suite 230
Chandler, AZ 85286
Direct: (480) 304-4201
Fax: (480) 619-6297
Mobile: (480) 229-6202
holly.vollbracht@academymortgage.com

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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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Holly made herself available 24 hours. I was very pleased with Holly, I will recommending her to other clients. Alisa Cota - Realtor

NMLS# 239821

State Lic: AZ: 0912022;

Corp Lic: AZ: BK-0904081;

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New study said that millennials will soon dominate the housing market

While the discussion about millennials' presence in the housing market during the recovery has been focused on their lack of homebuying activity, a recent study said that this generation will soon stake its claim.

The Joint Center for Housing Studies of Harvard University's "The State of the Nation's Housing 2014" report found that not only are the nation's 20- and 30-something citizens expected to be more active, but their anticipated increase for home sales is also necessary if the national real estate market is to continue growth. Currently, a growing number of young Americans are living with their parents, as 2.1 million more adults in their 20s didn't fly the nest in 2013. Additionally, student loan debt, which has been the major talking point in the discussion of why they're not moving out, is rising each year. Total student loan balances went up $114 billion in 2013.

Millennials to prevail despite housing challenges. While setbacks persist, the study said that the expectation that millennials will buy homes in greater volume in the coming years stems from the sheer volume of individuals who are reaching the age when people typically become homeowners.

"Ultimately, the large millennial generation will make their presence felt in the owner-occupied market just as they already have in the rental market, where demand is strong, rents are rising, construction is robust and property values increased by double digits for the fourth consecutive year in 2013," said Daniel McCue, research manager of the Joint Center.

The study predicted that the number of 30-something households will reach 2.7 million in the next decade. However, Bloomberg reported that many young potential homebuyers are still cautious even if they have the financial standing to get approved for a residential mortgage because they are still wary of the problems seen during the housing downturn.

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

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Curb appeal makes a big difference for buyers and sellers

Making a good first impression is essential to selling a home. Buyers want to be wowed from the instant they see a home making the first couple seconds of a showing critical to a sale.

A number of building product companies - Fypon, DaVinci Roofscapes, Therma-Tru and Simonton Windows - have named August as National Curb Appeal Month, highlighting just how important curb appeal is to selling a home.

"Realtors tell us that potential home buyers make a 'street decision' in less than 12 seconds on whether or not to view a home that's for sale," said Niki Decker, senior manager of product and marketing for Fypon. "That's a very short time to make a large impression and it all relies on the curb appeal of the house.

Decker added that curb appeal can be improved in a number of ways, including: 

Whether it's to attract potential buyers or simply to improve the state of a property, curb appeal should be a priority for homeowners. Anyone selling a home should be pulling out all stops to get buyers in the door, and according to the experts, color is something they should focus on. 

"Whether you're adding a new component to the home's exterior or 'sprucing up' existing elements, color plays a major role in creating curb appeal," said Kate Smith, president of Sensational Color. "Adding color to the home exterior should be done in a 'top-down' approach so there's a unified flow that creates an overall pleasing impression."

Smith added that color additions are popular to the front door, shutters and trim, making a house look more attractive from the street. 

What to look for at an open house. While a first impression does have a big impact on a whether or not someone is interested in buying a home, it's important not to judge a house entirely by it's outward appearance. 

An open house is likely the first time a buyer will be able to enter a home. And while it's important they assess a property for potential issues - like flooding or adequate space - there are other ways to learn about a property:

As an open house allows a seller to show their home in the best light, it's important to get as much unbiased knowledge about a property to make a more informed decision, before getting a residential mortgage. 

Having a discussion with the neighbors can clue a buyer in on why a seller might be putting their home on the market. In addition, while a new paint job might make a room look nice, it could be covering up some flood damage. Therefore, it's important to prioritize certain aspects of a home when buying, so as not to be won over by improvements that might not have a significant impact on the value of a property. 

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

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Economist said student debt isn't different from the 90s

Despite assertions that student debt is causing a decline in homeownership rates among millennials, Mark Fleming, chief economist of real estate analysis firm CoreLogic?, said that current college graduates are in no more financial straits than people in this age group were in the 90s.

In a blog post, Fleming commented on research presented at an Urban Institute event he attended, particularly a report from the Brookings Institution that posited that student loan payments as a percentage of income haven't changed in the past 20 years. This suggests that although student debt has surpassed $1 trillion, income growth is stagnant and more people have education debt, these bills are having no added effect on current college graduates' ability to become homeowners.

In fact, the only instance where student debt has been shown to hinder the path to homeownership has been when individuals don't complete their degree. While having the same repayment rates and options as their graduating counterparts, they typically have lower income potential. This creates another ambiguity about the cause behind declining homeownership rates among younger Americans.

"Which begs the question, if young people in the 90s found a way to buy a home at the same time as having student loans, then why wouldn't young people today, with the same relative burden, be able to do the same?" Fleming asked.

More young adults are living at home. Recent research from Pew Research, a nonpartisan think tank based in Washington D.C., found that more Americans are living in multigenerational households, particularly millennials. Here's what the report revealed:

Furthermore, as employment and wage problems continue to constrain income growth for millennials, many are finding it harder to become independent of their parents. The research may provide an answer to Fleming's question, as the continued pressure to earn more degrees and therefore more income potential to offset these economic challenges is having a clear effect on millennials' willingness to get a US home mortgage and branch out on their own.

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

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