Whittney Curran

NMLS# 47254

Sales Manager

Whittney Curran
Sales Manager

NMLS# 47254
State Lic: ID # MLO-2831;
3235 E. Overland Rd
Meridian, ID 83642
Branch: (208) 672-9777
Mobile: (208) 860-6367
whittney.curran@academymortgage.com

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Academy's My Mortgage App

Hello and thanks for visiting my website! Buying a home is one of the most exciting times in a person's life! However, I know how stressful of a process it can be. When choosing a loan officer to assist you with your mortgage needs it is so important to make sure you are working with someone who listens to you and that you feel has your best interests at heart. I strive to listen carefully to my customers needs and wants, and ensure that they completely understand the loan process and all loan options available to them. The most important thing to me is that you receive the right loan with the least costs possible the first time. Your future is more important to me than my own success! I work hard at making long term lasting relationships with all of my clients. I plan to be there for you for all of your life changes, and hope to help guide you through all of your home financing needs. I give all of clients professional and exclusive attention. Many people can get you a loan. What I PROMISE to do is to get you the RIGHT LOAN, and get it all done CHEAPLY and ON TIME! I handle purchase and refinance loans, with many different programs including VA and FHA loans. Please give me a call with any questions or apply today. As always there is no charge for a loan consultation. Make your home financing easy--CALL ME TODAY! Thanks and have a great day!

Mortgage Education

View these helpful tips for becoming a homeowner.
Whittney was a fantastic loan officer. She was very professional and followed through 100% with her commitments. I highly recommend Whittney and Academy. Ben Johnson

NMLS# 47254

State Lic: ID: MLO-2831;

Corp Lic: ID: MBL-671;

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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