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Brady Johnson - Academy Mortgage Team 101
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Brady Johnson, Loan Officer at Academy Mortgage Team 101
Brady Johnson, Loan Officer at Academy Mortgage Team 101

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For the 3rd year in a row, Academy Mortgage is BEST OF STATE in Utah for Mortgage Banking! #BestofState
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Manufactured homes are now eligible for HOME Plus down payment assistance as long as they meet the following requirements:

• Singlewide manufactured homes are NOT allowed
• FHA minimum credit score of 680, and maximum DTI of 45%
• Conventional FNMA HFA Preferred minimum credit score of 640, maximum 95% LTV / 105% CLTV, maximum DTI 45%
• Must meet FHA, FNMA HFA Preferred & US Bank manufactured housing guidelines

Home Plus assistance is in the form of a three-year, no interest, no payment, deferred soft second mortgage, forgiven monthly at a rate of 1/36 over the term of the lien.
Contact me with any questions
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“We’ve got plenty of assets—stocks, mutual funds, etc.—but we want a larger home than our fixed income will allow.”

• Harris and Carrie want to buy a spacious home that overlooks a golf course, where they can accommodate visiting family members and friends.
• Although Harris’s fixed income is substantial, it’s not enough to qualify them for a loan on this large house. But he and Carrie have lots of financial assets.

“Academy’s flexible guidelines allow greater weight to be given to our assets, so we can buy our dream home!”

Academy’s guidelines allow the following liquid assets to be considered: 401(k), stocks and bonds, mutual funds, U.S. savings bonds, checking and savings accounts, and CDs.

Other requirements and conditions apply.

Can you relate? Call me!


#canyourelate #academymortgage #assetrich
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Client Noemi Penuelas said that working with Academy Mortgage was "a great experience!" Thank you so much for sharing those kind words.
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Real estate agent, Edward Jobes said that "Academy Mortgage was responsive, supportive and professional in guiding our client to his Closing". Thank you sharing your testimonial Edward.
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5% Down 5/5 Adjustable-Rate Mortgage
Academy’s 5% down 5/5 ARM can be an excellent solution in a climate of
rising interest rates. Our 5/5 ARM combines the occasionally lower initial rates and payments of an ARM with some of the stability of a fixed-rate loan!
Like all ARMs, our 5/5 ARM comes with an initial fixed-rate period, which in this case is five years. After the initial period, the rate may adjust (up or down) and will stay at that level for the next five-year period; subsequent adjustments occur every five years. A 5/5 ARM provides much more stability and predictability than a 5/1 ARM, for example, which adjusts every year after the initial five-year period.
Academy’s 5/5 ARM can be a great option for first-time and experienced homebuyers who may be planning on moving or refinancing within the initial fixed-rate period. The minimum required credit score is 620. Additional requirements and conditions apply.
CALL ME today for more information about this unique home financing solution!
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What would you raise on your own hobby farm? Academy Mortgage can help you grow.

#academymortgage #hobbyfarm #llama #canyourelate
Academy Mortgage Corporation
Academy Mortgage Corporation
academymortgage.com
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We value your business and want to be a part of your home buying experience! If you're ready to get started, get in touch with your local Academy Mortgage branch today. We're looking forward to hearing from you!
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“We need a house, but we’re moving in 3 years.”

• After Kurt graduates, they’re moving back home to Texas.
• The boys can’t wait 3 years for a yard, swing set, maybe a dog.

“Academy’s 5% Down 5/5 Adjustable-Rate Mortgage gives us a stable initial rate and payments that are fixed for 5 years—perfect for us!”

• After the initial 5-year period, the rate may adjust (up or down) and stays at that level for the next 5-year period; subsequent adjustments occur every 5 years.
• The 5/5 ARM may be a great option for first-time
and experienced homebuyers who may be planning to move or refinance within the initial fixed-rate period.
• Other requirements and conditions apply.

Can you relate? Call me!
#canyourelate #academymortgage
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Congratulations to these Academy Mortgage Loan Officers named by Mortgage Executive Magazine as the Top 200 Mortgage Originators for gaining market share and growing production just as much of their competition leaves the mortgage business.
The last decade has been turbulent in the mortgage industry. Over 70% of the
mortgage competition has been swept away during this time of change. For many of
the nation’s top producers, the consumers “flight to quality” has created a unique
opportunity to grow market share in both purchase and refinance mortgages.
Mortgage Executive Magazine compiled the most comprehensive list of The Nation’s Top 200 Mortgage Originators as ranked by their total yearly mortgage volume.
Entries cannot include loan volume of associate originators or junior originators that
earn a commission on the same loan files. Mortgage Executive Magazine seeks to
recognize and celebrate the service, dedication, and hard work that leading mortgage originators put into serving their clients.
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