Jessica McNeely

NMLS# 670089

Sales Manager

Jessica McNeely
Sales Manager

NMLS# 670089
State Lic: OR # 670089;
725 Commercial Street SE
Salem, OR 97301
Direct: (503) 391-7136
Fax: (866) 651-1994
Mobile: (503) 930-3188
jessica.mcneely@academymortgage.com

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My twenty years in the financial industry have provided me with the knowledge to help my clients find the right loan for their home financing needs. Buying a home is one of life’s major events, both financially and personally. That’s why choosing the right mortgage lender, one that’s strong and dedicated to the needs of her customers, is the key to a successful transaction. That is where I can make a significant difference as your loan officer. I always put my client’s needs first.

I focus on meeting immediate and long-term home financing needs. My first priority is my customers, and I always do what is in their best interest. I have built a reputation for honesty, knowledge and a commitment to serving my borrowers and partners.

My company, Academy Mortgage has the distinct advantage of being a direct lender. All of their processing, underwriting, closings and fundings are handled locally. Although Academy Mortgage is national recognized as one of the top independent purchase lenders, they understand how we do business here in the Northwest and use common sense to underwrite their loans.

Working with my team, we guide our clients through each phase of the loan process. We answer questions in detail and thoroughly explain each mortgage option, communicating frequently.

I came to Academy Mortgage so that I could offer peace of mind to my clients and with Academy mortgage I have a proven track record of closing loans as quickly and efficiently as possible. I’m dedicated to making sure mortgages will be processed and closed with minimal stress. My number one goal is to build long term relationships based on excellent service and mutual trust. I want to be the “go to” lender and help people purchase their new home or refinance their current home to put themselves in a better financial position.

My business philosophy is simple: I’m committed to providing excellent customer service.

Mortgage Education

View these helpful tips for becoming a homeowner.
I would use Academy mortgage for future loans or refinances due to the professional help provided by Jessica and Rene. Jeff Crowther

NMLS# 670089

State Lic: OR: 670089;

Corp Lic: OR: ML-2421;

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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