Gene Ross - Academy Mortgage Branch Manager

Planning to buy a home can feel daunting! You can help improve your chances of getting approved for a mortgage by having a good credit score, a steady income, a low DTI, and a sizeable down payment. If this still seems like a lot, don't stress! - I'm here to help you every step of the way. Together, we'll come up with a personalized plan to get you on a path towards homeownership. You're not a loan - give me a call and let's get started.

We all know it, that feeling when you instantly feel at ease, that "warm, fuzzy" feeling. Well, working with a local lender feels like that. At Academy Mortgage, we treat our clients like family. We work alongside you to find a mortgage solution that fits your goals. Our personalized service will feel like a warm blanket - removing any not so fuzzy feeling about buying a home. Ready to start your homebuying journey? Give me call.

This is another one of the questions I'm asked most frequently! Closing costs typically range from 2-5% of the home's purchase price. You should budget for these costs when planning your home purchase. Give me a call and let's start planning for your future confidently.

It's a mix of excitement, relief, and accomplishment all rolled into one! That feeling when you know that you have a place to call your own and build a future for yourself and your loved ones is truly priceless. Give me a call and let me help you achieve that feeling with one of our home financing options.

Refinancing is the process of replacing your current loan with a new one with different loan terms. This can help you save money on interest over the life of your loan, reduce your monthly payments, or even allow you to pay off your loan sooner. Whether you've had some life changes over the past few years or have questions about what equity you've gained, it's always a good idea to review your mortgage. Let's explore what's possible together. Contact me for your complimentary mortgage check-up.

The colors on the leaves aren't the only thing that's rapidly changing - this market is changing all the time! As your local lender, I have tips and tricks, along with Academy's Pre-Approval+* that can help give you and your offers the competitive edge you need in this market, all while keeping the stress out of buying a new home. Let's chat about ways we can help you achieve the dream of homeownership, regardless of the market.

Contrary to popular belief, you don't need 20% saved up for a down payment to purchase a home. The minimum down payment required for a home varies depending on the loan type. Conventional loans typically require at least 5% down, while FHA loans require at least 3.5%. Some programs, like VA or Academy Mortgage's Down Payment Assistance programs, require NO DOWN PAYMENT! Give me a call and we'll find the ideal product for your goals.

With Academy Mortgage, the homebuying process is stress-free! Our My Mortgage: Mobile app gives you the ability to upload loan docs, chat with your homebuying team, and run numbers in our custom mortgage calculator. It’s that feeling when you realize we're here to make sure you're ready to go home buying, and not just house hunting – you can breathe a sigh of relief. Now you can start planning for your dream home, contact me today!

Don’t get caught in the cold! Before temperatures drop, test your heating system to make sure it’s working properly. If things seem off, I can make a recommendation for someone local to help. If you want more tips to help you prep your home for cooler weather, send me a message.

This is the question I get asked the most. Calculating your debt-to-income ratio (DTI) is a great place to start when determining how much you can afford to spend on a home. Your DTI compares your monthly debt payments to your monthly income. Reach out for a complimentary mortgage calculator and together we'll figure out how much home you can afford.

You’ve kept your lawn looking beautiful all summer. Don’t lose out on that hard work just because the temperatures are cooling off. Now is a great time to fertilize your lawn, rake leaves, and trim back any bushes or trees. If you don’t want to do it yourself, I’m happy to recommend someone who can help!

The market may be spooky, but I’m not afraid to help make your homeownership dreams come true, at a monthly payment that won’t give you nightmares. Give me a call today!

Picture this, you’re all snuggled up on the couch on a crisp fall morning enjoying your coffee. Nothing can ruin that vibe more than drafty windows and doors – not to mention its incredibly inefficient and could raise your energy expenses. Want to know more ways to make your home more efficient? Give me a call!

Some homeowners make extra payments when they can, while others schedule bimonthly payments. Paying ahead is just one way to save big: “https://tinyurl.com/2p8c995s?lo=Gene-Ross”

Are you getting the most out of your mortgage? Contact me, and I can help you find out.

As leaves fall, consumer debt rises. Let me change that narrative! With record home equity, it’s time to take control. Consider paying off high-interest debts or securing cash for a rainy day. Your financial future can look brighter. Contact me today to explore your options and regain control of your finances!

As a young homebuyer, you may not have much of a credit history or built up large savings—and that's ok! In fact, that could make it easier for you to qualify for down payment assistance! Academy Mortgage has programs that could help with your down payment, closing costs, or other costs associated with a home purchase. Maybe homeownership is more affordable than you thought. Message me for more info.

Working with a local lender can help you get a mortgage that won’t haunt you like ghosts this Halloween. There is more to consider than rate when you’re thinking about a new place to hang your broom. Give me a call and let’s find the right brew for you and your boo crew!

As cooler temperatures approach, you want to make sure your home is ready. Check your roof for any damage or leaks. If you need repairs, give me a call and I’m happy to make a recommendation for a local expert. Reach out if you want more tips on how to prep for sweater weather.

Current rates giving you goosebumps? I can help take the fear out of homebuying. You might think it’s scary out there, but I’m here to help take the fear out of homebuying. Give me a call and let’s talk about options that won’t scare you away.

You've been dreaming of being a homeowner, but are you clear on your homeownership goals? Buying a home is a big decision (and a BIG investment), so it's important to spend that money wisely. Think about where you want to live, what type of home you want, and even how long you want to be there. Regardless of your vision, we're here to help! Have questions on if you're making a wise investment? Give us a call!

One of the best parts about fall is that the leaves change color. But those beautiful leaves could cause a lot of damage if left unattended. Make sure to clean your gutters to prevent clogging or water damage to your home. Need some help? Message me and I’m happy to provide a local recommendation.

Right now, everyone’s looking for ways to step up their social media game to stay visible. So, how do you do it?

Dig into LinkedIn, an under-used and often under-estimated platform, using these tips: “https://tinyurl.com/2zc2zfa4?lo=Gene-Ross”

You can also reach out to me if you’d like some social graphics to share with your audience!

So is everyone else! As rates go down, demand increases. When demand increases, home prices are likely to increase. There is more than rates to consider when you're thinking about buying a home. Call me for a personalized assessment and let's see if now is the right time for you to buy.

BIG plans can come at a price. If you have heavy debt from student loans, you may be hesitant to take on more with a mortgage to buy a house. At Academy Mortgage, we recognize that buying your first home is a BIG decision, and we have the tools to help you evaluate your options. Give me a call and let's see how together we can set those plans into motion.

With all that’s going on in the housing market, homebuyers want to know: Should I buy now or wait? Here’s some insight: “https://tinyurl.com/2rp7m5f9?lo=Gene-Ross”

P.S. If your clients want a detailed answer, I’m only a call or an email away! I can run some numbers and let them know when it makes the most financial sense to purchase.

In today’s competitive market, you need every advantage you can get! Academy Mortgage will help you hit the ground running, allowing you to not just go house-hunting but go house-buying. Call me today!

Ring, ring! Homeownership is calling! Now is the perfect time to get started on your homeownership journey. Ready to answer the call? I can help you learn about your financing options—buying a home could be more affordable than you think! Contact me today.

What happens if we enter a recession? Housing prices probably won’t drop—but mortgage rates might: “https://tinyurl.com/46n7dvm9?lo=Gene-Ross”

While talk of a recession can seem overwhelming, the housing market outlook isn’t as bad as many people think. Contact me, and I’d be happy to walk you through it.

I read a recent report that indicates homeowners are sitting on a ton of equity, around $274K on average. (CoreLogic, 2022)

One of our customers, Suzanne, used her home equity to pay off more than $52,590 in consumer debt. Even though her mortgage rate changed to 7.125%, her monthly payments went down, which saved her $200 every month*.

Don’t miss the opportunity to find out how much your home is really worth. Get in touch with me today to discuss some helpful solutions.

Are you trying to figure out the right time to list? This season has some unique opportunities. Here are our top 5: “https://tinyurl.com/2pf6a9cs?lo=Gene-Ross”

If you have questions about selling, I’d love to help. Just shoot me a message.