Tyson Barry

NMLS# 384649

Loan Officer

Tyson Barry
Loan Officer

NMLS# 384649
State Lic: AZ # 0918217;
2314 South Val Vista Dr.
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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My client was a young first time buyer that didn't think he was in a position to purchase. Tyson quick response to him, answered all his questions, and made home ownership possible! The buyer is so happy that we were able to make homeownership a reality!Julie Bradshaw - Realtor

NMLS# 384649

State Lic: AZ: 0918217;

Corp Lic: AZ: BK-0904081;


Existing-home sales in 2015 expected to finish out strong

Existing-home sales will likely finish out the year at a high pace, according to a press release from the National Association of Realtors. As market conditions improve and more interested homebuyers decide to apply for a U.S. home mortgage and become owners of their own real estate, housing activity will round out very healthily in 2015. 

Affordability concerns not expected to impact existing-home sales. While some experts may have believed home affordability would impact the rate of home sales, the housing market will wind up doing better than it fared at the end of last year. Total sales are expected to outperform 2014 and actually reach the highest pace seen since 2006, before the housing market crisis. 

"Sustained job growth and interest rates below 4 percent have been the catalyst behind the improvement in sales," said Lawrence Yun, NAR's chief economist. "The demand for buying is especially strong in parts of the country where jobs gains and economic activity have outpaced the rest of the nation - particularly in states like Utah and Florida and cities such as Denver."

Yun anticipates home sales will end up at a pace of around 5.3 million units this year and the trend will continue to 5.5 million units in 2016. 

Rising rent will also drive up the demand for homes. According to Zillow, an online real estate company, the median price of rent increased 4% in April on a year-over-year basis. This is the most substantial jump since March 2013. 

The rapidly increasing rental rate may encourage more individuals to enter the housing market and invest in their first homes. A higher volume of interested buyers would force the demand for homes upward and home values will likely also increase. 

Median home price expected to rise. According to Yun, the median selling price for existing homes is also expected to increase at the end of the year by as much as 6%. The increase will slightly slow in 2016 to 4%. 

Though greater demand and less inventory could continue to drive the price of homes up, a jump in housing starts also bodes well for the future of the real estate market. 

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.


Current interest rates may encourage refinancing activity

Interest rates on home loans have remained historically low, and some homeowners may benefit from deciding to refinance their current U.S. home mortgage. According to the Washington Post, many individuals who own property may want to refinance to access home equity, consolidate debt or simply save money. 

Low rates may help homeowners save money on mortgage payments. Freddie Mac, a government-sponsored enterprise, indicated the average 30-year fixed-rate mortgage for the week ending April 23 settled at 3.65% and a 15-year FRM averaged 2.92%. These rates are notably lower than those seen in the past. Freddie Mac showed the average 30-year FRM stood at 5.06% and a 15-year FRM was 4.39% at the same time five years ago. 

Homeowners who purchased houses when interest rates were higher may be interested in applying to refinance to save money on monthly payments. 

Refinancing is beneficial for some. The Post emphasized that some individuals will likely want to take advantage of low interest rates and apply to refinance with a lender. Shaving down the life of the loan or eliminating private mortgage insurance may entice some homeowners. However, those who plan to move to a new home within a year, have loan balances of more than $350,000 or want to start another 30-year loan may not want to refinance. 

The costs associated with refinancing may counteract any actual monthly savings. Individuals interested in refinancing a home loan should reach out to lenders and discuss options. Additionally, speaking with various lenders and shopping around for a refinancing option may help homeowners save more when restructuring a mortgage. 

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.


Best markets for buyers and sellers

The ease of buying or selling real estate depends largely on the local market conditions. A buyer's market indicates there is a high volume of inventory and not as many interested buyers, while a seller's market favors those who sell their homes, because demand is high and supply is low. 

Identifying the best markets for individuals who have been approved for a U.S. home mortgage and are looking to buy, as well as for those who want to sell their home, can help simplify the process. 

Negotiating is easier for buyers in the Midwest and East. According to Zillow, an online real estate company, some of the least competitive markets that are more conducive to buyers include: 

In these markets, buyers can negotiate a bit more. The homes in these urban areas have typically been listed for longer, experienced price cuts more often and have reported a higher number of homes that have sold for a lower price than the initial listed value. This allows buyers the upper hand when making an offer and discussing the selling price. Individuals looking to purchase a home can benefit from looking for property in regions where the market favors them. 

The West Coast dominates with the highest number of seller's markets. Aside from Boston, Dallas, Nashville, Tennessee, and Denver, all the best cities for selling are concentrated along the West Coast. Some of these markets include: 

These regions tend to have higher demand and selling prices for real estate are especially high. Additionally, NBC Bay Area indicated home prices in the San Francisco area will likely continue to increase. The current and growing demand for homes in the Bay Area is impressive. 

"I have had offers where the buyers put together a photo book - a published photo book to the sellers trying to convince the sellers to give them the property," noted Kathleen Clifford, a local real estate agent, according to NBC Bay Area.

The other areas that favor sellers are highly desirable regions among interested homebuyers, which drives up the prices substantially. In some instances, multiple offers are made on homes increasing the selling price even higher. 

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.