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

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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Watch helpful videos to learn more about Academy.
Holly was excellent and kept us informed throughout the financing process Samantha Windatt

NMLS# 239821

State Lic: AZ: 0912022;

Corp Lic: AZ: BK-0904081;

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CLEAN Your Credit Report – LOWER Your Rate!

Everyone is entitled to one free copy from each credit reporting agency (CRA) every 12 months, as they often contain different information. Pull your credit report from each agency to review the following information: ( My Score, Annual Credit Report) Identifying information - This includes your full name and any aliases; Social Security number, current and previous addresses and current phone number; birth date; current and former employers; and your spouse's first name, if married. Public record information - This includes bankruptcy filings, foreclosures, tax liens, criminal convictions, and judgments against you. Credit information - This includes a listing of open, or active, credit accounts as well as closed accounts; account numbers; the date you opened and, if applicable, closed the account; the type of account (mortgage, revolving credit, or student loan, for example); the monthly payment; your credit limit or loan amount and current balance; any co-signers on the loan; and your payment history for the past two years. Inquiries - This includes the names of companies and individuals who have obtained copies of your credit report ("inquiries") in the past two years. How Long Does Information Stay on Your Report? • "Derogatory" (negative) information can stay on for up to seven years. This includes late payments, unpaid debts, charge-offs, accounts sent to collections, and judgments against you. If your unpaid debt is turned over to an outside collection agency, that debt could appear twice as a negative on your credit report. • Bankruptcies can appear for 10 years. • A foreclosure appears for seven years. • Student loans typically appear for seven years. • Paid tax liens stay for seven years. Unpaid tax liens can remain for up to 15 years. • Favorable information can appear indefinitely, but is, typically, dropped after seven years. • Inquiries from potential creditors stay on your report for two years. (Too many inquiries can be viewed as negative.) • All derogatory information -- even data more than seven years old -- may appear in a report provided to an employer if you apply for a job paying $75,000 or more or to a creditor or insurer if you apply for a loan or life insurance policy of $150,000 or more. Although as a practical matter, these items may be deleted after seven or 10 years. Send a Dispute Letter to each of the Credit Reporting Agencies with a detailed list of wrong, inaccurate or outdated information and supporting documentation, requesting that they be removed. • Equifax -- www.equifax.com • TransUnion LLC -- www.transunion.com • Experian -- www.experian.com ×

Three tips for buying a newly constructed home

Buying a newly built home will be more expensive than purchasing a previously existing one. However, building can allow buyers to tailor a property specifically to their needs. As this is an attractive option for many Americans, it's important they follow a few tips when buying a newly built home: 

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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Millennials are opting for suburban homes

Referencing data from the Census Bureau, Jed Kolko, chief economist of online real estate listing service Trulia, recently said that millennials are more often looking for homes in suburban areas.

This activity bucks the traditional trend, which showed that younger Americans favored urban living, while baby boomers and Generation X were seen as suburbanites. In fact, boomers are making their way downtown to fill all the empty space left by their younger counterparts. This is evidenced by the Census population data, which showed millennials are rising in numbers in big-city suburbs and lower-density cities faster than they are expanding in big, dense cities. Meanwhile, boomers showed less interest in lower-density suburbs and smaller cities and rural areas and small towns compared more densely populated locations.

Why are millennials following older generations? Some may wonder why young Americans would want to return to the quiet living of their childhood instead of hanging onto the excitement of city living. The answer is simple: As they get older - especially when they enter their 30s - their priorities change. Instead of searching for easy access to entertainment venues, they want to get a residential mortgage for a home that offers safety, play space for their kids and a nice place to retire.

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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