Jason Oswald

NMLS# 34921

Branch Manager, Producing

Jason Oswald
Branch Manager, Producing

NMLS# 34921
State Lic: WA # MLO-34921; CA # CA-DOC34921; ID # MLO-8372;
2845 East Overland Road
Suite 160 & 170
Meridian, ID 83642
Direct: (208) 991-5575
Fax: (208) 888-9383
Mobile: (208) 941-1957
jason.oswald@academymortgage.com

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Welcome!

Purchasing a home is one of the most important decisions you’ll make in your lifetime. Whether it’s your 1st time or 100th time, it’s critical that you are working with an experienced and seasoned Mortgage Advisor. I have been in the real estate game for over 15 years and bring that wealth of experience to give you the best experience available.

Your home loan is about YOU and your family's goals. Every borrower has a unique situation, and every borrower deserves the capability to choose what’s best for them. I use credibility and creativity to help a lender see the strengths of a borrower and minimize the perception of risk. With a large variety of loan options I am able to present your file to the right lending source for you.

At The Legacy Group of Academy Mortgage, our ultimate goal is to create lasting relationships with each of our clients so that we may continue providing excellent service for many years to come.

We offer Fixed Rate Mortgages, FHA Mortgages, VA Mortgages, Adjustable Rate Mortgages (ARM)

Construction Loans, Reverse Mortgages and Idaho Housing financing.

I AM A LOCAL IDAHO LENDER THAT HELPS SERVE MERIDIAN, BOISE, NAMPA, EAGLE, AND OTHER TREASURE VALLEY SURROUNDING AREAS. I ALSO HELP SEVERAL FAMILIES IN CALIFORNIA, WASHINGTON, AND OREGON!

Benefits to working with me:

100% Transparency - You're spending YOUR money. You deserve to know everything about the mortgage experience and that's exactly what you'll get with us. You'll leave feeling completely comfortable knowing that you've made the best financial decision for your situation.

Time saving – With us, you save time looking for the best rate on the market. We have a broad knowledge of the mortgage industry. We know, where to go, who to call and how to close the loan as fast as possible.

Flexibility – Do you have any special circumstances? With us, you have a real chance to get a loan. We know, which lenders will be most likely to work with you.

My Personal Core values

TRANSPARENCY – I'm honest and completely transparent.

TRUST – I am certificated specialist with deep knowledge of industry and local conditions.

LOYALTY - In a world where the all-mighty dollar seems to rule the world - I believe in doing right by the client no matter what.

CONFIDENTIALITY – I don't like my personal information shared and I feel the same about yours. All your information are secured.

RESPECT – I approach everyone and every situation with respect.

RESPONSIBILITY – I provide excellent services during a loan process and many other years to come.

Mortgage Education

View these helpful tips for becoming a homeowner.
We worked with Jason Oswad and he went above and beyond to make sure we understood the whole process. Michael Miller

NMLS# 34921

State Lic: WA: MLO-34921; CA: CA-DOC34921; ID: MLO-8372;

Corp Lic: WA: CL-3113; CA: 4170013; ID: MBL-671;

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

Tips for a Simple Loan Approval

If you encounter a special situation, it is best to mention it to us right away so we can help you determine the best way to achieve your goals.

DO’s

DONT’s

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10 Steps to Homeownership

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

  1. Loan pre-approval. Pre-approval allows you to search for a home that you can afford based on your credit, income, and assets. An application and supporting financial documents must be submitted to your Loan Officer, including pay stubs, tax returns, and account statements.
  2. Home search Once pre-approved, 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 application is being processed, an appraisal is ordered to identify any discrepancies between the sale price and appraised value. Properties are also inspected for water and termite damage and other safety hazards.
  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. If you have a good credit score and debt-to-income ratio, your loan will likely be approved. 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 title company.
  9. Close of escrow. Documents that transfer titles are recorded with the county.
  10. Confirmation of recording. The title company authorizes the escrow company (or closing agent) to draft a check to the seller.

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

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BUYING VS. RENTING

For many, the benefits of buying a home outweigh the advantages of renting. With mortgage interest rates at historic lows and rents on the rise, now is an affordable time to finance a mortgage with a fixed monthly payment lower than rent.

If you plan to stay in your home for more than six years, buying a home could save you thousands of dollars over renting. And don’t forget about the noisy neighbors upstairs.

The Benefits of BUYING

TAX SAVINGS
Mortgage loan interest is deducted from your state and federal income taxes and a portion of your property taxes may also be deducted.

STABILITY
Fixed mortgage payments (principal and interest) will not change during the loan term whereas rent payments may increase annually.

BUILD EQUITY
Owning a home long term allows equity to build and thus your home investment to grow.

The Benefits of RENTING

FLEXIBILITY
Renting may be the preferred option for those planning or needing to make a move in less than six years.

LITTLE OR NO MAINTENANCE
Renters are often able to rely on landlords and property managers to pay for and make necessary home repairs.

UTILITIES MAY BE COVERED
Some utility expenses may be included in monthly rent payments.

Contact me today to start realizing the benefits of homeownership.

Please consult a tax professional about your specific situation and the tax savings benefits of homeownership.

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