Tyson Barry

NMLS# 384649

Loan Officer

Tyson Barry
Loan Officer

NMLS# 384649
State Lic: AZ # 0918217;
1530 East Williams Field Road
Suite 101
Gilbert, AZ 85295
Direct: (480) 246-3682
Fax: (480) 452-0110

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It’s all about service at Academy Mortgage, and our company has been meeting the needs of home-buyers 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 home-ownership. 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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Tyson was great! he was knowledgeable to the products that his company offered and found something that would fit us best. He was very resourceful with our loan and allowed us to go into a higher buying bracket than we expected. We will definitely call Tyson for our next home purchase.James Bear

NMLS# 384649

State Lic: AZ: 0918217;

Corp Lic: AZ: BK-0904081;


Flipping homes becomes more popular

When an interested investor dedicates the time and energy into learning how to best flip a home, he or she can make an impressive profit, according to CNBC. The practice of purchasing a home at a lower price, renovating it and selling it for a higher price has once again gained steam. According to KSL.com, flipping homes to turn a profit has become notably more popular once again.

As the market begins to improve, more individuals are interested in applying for a U.S. home mortgage not only to acquire their dream home, but to purchase short sales - distressed properties to flip them for profit. 

Increase in home-flipping interest indicates stronger housing market. Utah has seen more people taking old, tattered homes and turning them into desirable residences. Recent increases in home prices likely spurred this new interest. Typically house-flipping gains popularity as the demand for housing rises, with rehab projects helping increase the value of homes. 

"It is a lot more competitive now. I would say it's trendier, so you have a lot of people who didn't invest in real estate before 2011 that are now wanting to participate because it's prevalent on TV," noted Riley Rogers, a home flipper, according to KSL.com."It's really the amateurs and the huge companies that are doing a ton of homes. Some guys are doing a couple hundred or a hundred homes a year."

Rogers also emphasized the importance of needing the following resources when flipping homes: 

Typically a flipper will see approximately 8 to 12% of the purchase price in profit. 

Federal Housing Administration does not provide mortgages for house flippers. The FHA's rules for house flipping do not typically allow individuals to qualify for its home loans. According to the FHA, loans will not be provided if a home is resold in 90 days or less. However, The Home Buying Institute indicated there are some exceptions that may allow flippers to work around the rule disqualifying them for an FHA loan. For example, if a home is inherited, the deed can be transferred to another individual within 90 days of being received or the property is located in a Presidential Declared Major Disaster Area and the U.S. Department of Housing and Urban Development issues an exception. 

The increased interest in flipping homes may signify a stronger and improving housing market in the U.S. As more individuals become interested in investing in real estate, the market will continue to grow. 

Academy Mortgage is one of the top independent purchase lenders in the country as ranked in the 2014 CoreLogic Marketrac Report. Visit www.academymortgage.com to find a loan, get a rate, or calculate your payment today


Mortgage applications increase

According to the Mortgage Bankers Association, the number of mortgage applications increased for the week ending June 5. 

Mortgage applications jump on a week-over-week basis. The number of individuals who decided to move forward and apply for a U.S. home mortgage increased 8.4% on a seasonally adjusted basis from the final week of May, according to the Market Composite Index. On an unadjusted basis, applications rose 19% week over week. 

In addition, the Refinance Index jumped 7% since the previous week. 

"Mortgage application volume rebounded strongly in the week following the Memorial Day holiday, indicating that the holiday had a larger impact on business activity than originally assumed," noted Mike Fratantoni, MBA's chief economist. "Comparing volume over the past two weeks, purchase activity is up over 6 percent."

Fratantoni went on to to say he believed the strong job gains during May likely stimulated a higher volume of interested buyers taking this first step toward homeownership.

In addition, increasing mortgage rates may also encourage individuals to become homeowners. According to Bankrate, 30-year fixed mortgage rates have risen over the course of the last three weeks

Academy Mortgage is one of the top independent purchase lenders in the country as ranked in the 2014 CoreLogic Marketrac Report. Visit www.academymortgage.com to find a loan, get a rate, or calculate your payment today.


Freddie Mac improves standards for lenders

When interested buyers decide to apply for a conventional mortgage, providing a down payment might be one of the most substantial obstacles they face. Interested buyers may not be capable of supplying a 20% down payment on a house. However, these potential homeowners might otherwise be qualified to make monthly payments on a home loan. Private mortgage insurance allows individuals to qualify for a home loan without putting a substantial down payment on a house and ultimately help bolster the housing market. If a borrower supplies a smaller down payment, he or she must pay for PMI. This will insure the lender for the amount of the loan.

The mortgage insurance industry improves. According to Freddie Mac, a government-backed lender, both Fannie Mae and Freddie Mac worked with the Federal Housing Finance Agency to help improve the qualifications for those who offer insurance for lenders

On April 17, Freddie Mac announced adjusted private mortgage insurance eligibility requirements for insurers. Financial and risk management standards were implemented into the updated eligibility requirements. To apply, an insurer must be able to cover costs of up to at least $500 million in capital funding, according to the Private Mortgage Insurer Eligibility Requirements.

An additional requirement includes having strong internal risk management to ensure underwriting practices are up to standards. 

Also, an approved insurer, "is required to maintain compliance with the specific provisions of the Model Act referenced in Sections 303, 307 and 802." 

The improved requirements will be effective beginning December 31, 2015 for current approved insurers. New applicants will be required to meet these standards immediately upon application. 

Academy Mortgage is one of the top independent purchase lenders in the country as ranked in the 2014 CoreLogic Marketrac Report. Visit www.academymortgage.com to find a loan, get a rate, or calculate your payment today.