Ryan Nelson

NMLS# 211828

Regional Manager

Ryan Nelson
Regional Manager

NMLS# 211828
State Lic: AZ# 0911764; UT# 6906318;
1750 East Northrop Blvd.
Chandler, AZ 85286
Work: (480) 246-3683
Fax: (480) 452-0110
Direct: (480) 861-7841

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First thing….I love what I do and found my calling in life with the mortgage industry. Do you love what you do? If not let’s talk, Academy Mortgage is an incredible company, the best of the best, and the mortgage industry may be your calling too.

Nobody closes loan smoother than we do at Academy Mortgage. We’re on a mission to become the 1st CHOICE home loan lender with every realtor, builder, and homeowner who shares our vision of sustainable homeownership. Our ability to achieve our mission is rooted in people who feel the same way we do—people who are principled, passionate, and both performance and purpose driven. People who share our values and work ethic in helping others achieve the American Dream.

At Academy Mortgage we close loans and get you into your home with smooth precision. We have the best people and the best processes in the business. If you are looking to buy a home or refinance your current home, let me find the right loan for you.

If you are in the mortgage business and want to work with the best reach out to me. What does your company do to support you? Let me show you a marketing plan and company that will do more for you than anyone else. Talk to me and let’s compare, you have nothing to lose and everything to gain.

Mortgage Education

View these helpful tips for becoming a homeowner.
We are proud to be one of the top independent purchase lenders in the country. We achieved this distinction by continually providing exceptional customer service and by following responsible lending practices, especially in today’s rapidly changing economy.Adam Kessler, President, Academy Mortgage

NMLS# 211828

State Lic: AZ: 0911764; UT: 6906318;

Corp Lic: AZ: BK-0904081; UT: 5491140-NMLC;

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.




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!



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

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

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

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

The Benefits of RENTING

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

Renters are often able to rely on landlords and property managers to pay for and make necessary home repairs.

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.