Travis Laible with Guild Mortgage

Want to lower your rate? Academy just introduced a new Conventional 7/6 ARM that’s ideal for homebuyers planning to move or refinance within a few years. Give me a call, and I’ll walk you through it.

Answer: Ronald Reagan. President Reagan met Phil in 1986 during a ceremony held at the White House.
Did you get it right? Happy Groundhog Day for Academy Mortgage!

Are you a homebuyer looking at a fixer-upper? Or maybe you’re a homeowner who’s ready to renovate? Find out which home renovations have the highest—and the lowest—return on investment: “https://tinyurl.com/nxv42b8d?lo=Travis-Laible”

If you have questions about how to fund your renovations, just send me a message.

Buying a home will likely be the biggest purchase you will ever make in your life, but which lender should you use? The promise of quick approval through an online mortgage lender is tempting, so why use a local lender? Here are five reasons why you should use a local lender.

Ready to start the journey to your new home? We are here to serve you, and we are Local! Contact us today.

Millions of Americans want to buy a house, but these hurdles are causing delays. Can your clients relate? “https://tinyurl.com/364kmaum?lo=Travis-Laible”

If your clients want to become homeowners this year, I want to help. Let’s work together to come up with a personalized plan to make their dreams possible.

Buying your first home can be exciting but intimidating at the same time. Not sure if you’re ready? Give me a call anyway! We can discuss your current finances and future goals, creating a custom plan to get you on track for “someday.”

Lowering your rate isn’t the only reason to refinance. You might also want to shorten/lengthen your loan term, drop monthly mortgage insurance, or cash out on your growing equity. Take a look at this infographic to find out when refinancing might make sense: “https://tinyurl.com/4w5d5h8j?lo=Travis-Laible”

If it’s been a while since you’ve checked in, give me a call or send me a message. We can set up a quick (and complimentary) meeting to make sure your mortgage stays in great shape.

Thinking of Becoming an Investor in 2024?

The new year brings new opportunities! If your goal is to dive into real estate investment in 2024, let's explore the possibilities together. Call today. Our Team at Academy Mortgage is here to help you investigate the right mortgage options tailored to your investment plans.

If you're planning to make financial changes this year, your home loan is a good place to start. Opportunities for saving, investing or making dreams come true may be hiding right under your nose. I'll be happy to help! Academy Mortgage is an Equal Housing Lender.

Sign #1: If your home feels too small or too big, it may be time to find something just right – “https://tinyurl.com/5n7sjspt?lo=Travis-Laible”

Have questions about trading up or downsizing? Just send me a message.

It can be easy to get caught up in emotions and ignore facts—this is the opposite of what should happen during the process. When dealing with agents and sellers, ensure a fair deal. Know what your options are and carefully think things through before you make any decisions. If you’re not in the process yet, save the list of tips I’ve been sharing so you can use and review them.

Remember you can always message me with mortgage questions!

Most of us want to have the absolute best of what we can afford. However, when buying a home it is easy to claim something is necessary when it is really just a want. Consider what functions and features of your home you enjoy, this will be a starting point and then you can come up with a list of items and features you’ll need at the new place.

If you’re a young married couple with a small child, then you may feel more comfortable in an area with other younger children. On the other hand, if you are single with no plans to marry, the idea of being in children-packed neighborhood may not be ideal.

If you want to find our more about your area let me know—I can send you a link to a fun website called “Around the Neighborhood” where you can check out the demographics in the area your desired home is.

A stress-free home purchase is all about being prepared. How do you get ahead of the game? Gathering your financial paperwork.

Want a concise list of what you need? Shoot me a DM and I can walk you through the list of required documentation. Even better, we have our My Mortgage: Mobile App that makes it easier for you to submit all your paperwork hassle-free and securely submitted. I can send you a download link if you’re interested!

Calling all homebuyers! Ready to dive back into the homebuying game? The thrill of dropping interest rates is back, and it's your cue to make your move! With lower rates, your dream home might just fit into your budget. But here's the scoop – everyone's catching wind of this, and the competition is heating up with more offers on the table. Don't worry, though! Let's chat about how you can navigate this exciting market and score the home you've been dreaming of. Comment below or DM to request a free mortgage consultation, and let's make those homeownership dreams a reality!

Good real estate agents understand the current housing market. They know neighborhoods, housing inventory, the closing process, and how to negotiate with your best interest in mind. This means you want to hire some knowledgeable and experienced! If you’re looking for an agent, let me know. I have an extensive network and I might be able to connect you with someone you’ll enjoy working with.

While you may be buying a house now with long-term plans in mind, that doesn’t mean things won’t change. Keep in mind the target audience that would likely be interested in purchasing your future home if your circumstances change and you decide to sell. If you need to find out “how much home” you can comfortably afford, send me a message and I can help you determine just how much.

The location of the property is the one thing you cannot change. Morning commutes to school and work can be a significant part of daily life. If the new location adds 20–30 minutes to the commute, that means you are giving up almost an hour every day. There are also things like proximity to family, friends, shopping, and entertainment.

Many states have down payment assistance programs that 1st-time buyers or even 2nd-time buyers could qualify for. My DM’s are open, message me if you would like to find out if you qualify for any of these programs.

Buyers with the highest credit scores will usually get approved for lower interest rate mortgages available, and for smaller down payment loans.

Contact me if you’d like to learn other tips on how you can possibly improve your credit score. Together we might be able to create a plan to improve your score.

*Academy Mortgage does not provide credit repair or credit counseling services.

Building your savings account now is important as there are many expenses you’ll need to pay for throughout the homebuying process—as well as later expenses like moving in, decorating, unplanned maintenance, and repair costs.

There are different ways you can start: You can set up an automatic transfer to your savings account from each paycheck, use your savings account to set aside bonuses you earn and tax refunds, etc.

Share this with your friends who want to buy a home in 2024!

The next tip to buying a home is to find out the monthly expenses for your future home, and to start saving for any unexpected costs. Message me if you want help figuring out these numbers and guidance on getting on the path to homeownership this year!

Talking to an experienced lender and getting pre-approved* before shopping for a home is extremely important! Doing this means a mortgage lender has reviewed your paperwork and is ready to give you a loan up to a certain amount before you find your dream home. Contact me today to learn more! Our My Mortgage: Mobile app makes it super easy to get this started.

*Pre-approval is not a commitment to lend.

Friends—starting December 13, I will be posting 12 days of homebuying tips to benefit anyone planning on buying a home in 2024. So, if you know someone planning to buy next year, give the gift of these tips so they can start the homebuying journey on the right path.

You could buy or refinance a home, even with non-traditional credit history. The best part? If you’re an eligible Veteran or Active-Duty servicemember, you could do it all with no down payment. Get in touch to find out if you qualify.

All mortgage products are subject to credit and property approval. Not all applicants will qualify. Please contact Academy Mortgage for more information.

Share the good news: Your clients no longer need to worry about how a mortgage pre-approval* will impact their credit score.

With our new Soft Pull Credit Feature:
· A homebuyer can get pre-approved* without a hard credit pull.
· A soft pull helps limit spam and won’t affect their score.

Contact us to take advantage of this feature.

*Pre-approval is not a commitment to lend.

The amount you can borrow using an FHA Loan is going up in 2024. If you’re a homebuyer, this could be your year. Read all about it here: “https://tinyurl.com/muaxztd8?lo=Travis-Laible”

To recap: These new loan limits could make homeownership possible for more homebuyers. Are you one of them? DM me to find out if you qualify.

Academy Mortgage has been named a 2023 Best Military Lender by National Mortgage Professional. Our nation's military servicemembers and Veterans sacrifice so much to protect our freedoms, and we are grateful to be able to give back by helping them achieve the dream of homeownership. Thank you to our team members who make it a top priority to help those who actively serve or who have served our country.