Recommended Mortgage Lender

Aaron works they way I want a loan officer to handle my clients loans.

He has direct access to his underwriter. He uses automated underwriting. He never has a loan fail once in process.

To me these are two steps to success. First to quickly find out through the automated underwriting what conditions will be needed to have the loan approved. However, the final decision is based on the underwriters decision. Sometimes circumstances, such as job history or a super high credit score allow the underwriter to make a decision to accept a loan, even with high ratios for example. I had one loan approved with a 60% debt ration. In asking why the underwriter accepted the file the answer was simple, "They have enough cash in the bank to pay off the mortgage".

A good loan officer like Aaron will seek a one on one interview with the underwriter to review any item of the loan that seems possibly an issue. That is how I worked. One of my favorite banks actually, in fun, created my own in and out box, as I was there almost daily watching over my files.

Aaron's company is a direct lender, funding their own loans. So in his case his underwriters office is across from his office. Pretty convenient.

Aaron offers these tips for your review:

Academy Mortgage is respected nationwide for their commitment to responsible lending practices. They are focused 100% on retail mortgage banking, which provides greater stability and predictability.