LOAN PROGRAMS 101

We offer a variety of different loan options to meet your unique needs

/Loan Programs
Loan Programs 2017-07-18T22:50:05+00:00
Academy Mortgage Team 101 Conventional Mortgages

CONVENTIONAL

For Buyers with Good Credit and Money to Put Down

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A Conventional Mortgage is simply any mortgage loan that is not insured by the federal government. Conventional Mortgages typically require higher income, down payments and credit scores.

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Academy Mortgage Team 101 FHA Loans

FHA LOANS

Low Down Payment and Qualification Guidelines
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With flexible qualification guidelines, FHA loans are particularly designed to benefit first-time homebuyers and buyers who don’t have perfect credit or a lot of money to put down.

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Construction Financing with Academy Mortgage Team 101

CONSTRUCTION

Put Our Construction Financing Experience to Work

Why build with Team 101? Simple. We’ve handled more new construction financing loans than any other company along the Wasatch Front and we get it right.

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Academy Mortgage Team 101 Utah Housing Loans

UTAH HOUSING

Down Payment Assistance for Utah Residents
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We are a participating lender for the Utah Housing Corporation (UHC), which offers mortgages at reasonable interest rates for low and moderate income persons.

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Academy Mortgage Team 101 VA Loans

VA LOANS

Favorable Terms and Interest Rates for Military
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Home financing for active-duty military and veterans. VA home loan programs offer favorable loan terms and at an interest rate typically lower than rates charged on other types of mortgages.

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Academy Mortgage Team 101 USDA Loans

USDA LOANS

Home Loans for Homebuyers in Eligible Rural Areas
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USDA Home Loans are affordable and backed by the federal government. Qualified program participants must purchase a home in an eligible rural area, as defined by the U.S. Department of Agriculture.

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Academy Mortgage Team 101 Refinancing

REFINANCING

Low Rates Mean It's a Great Time to Refinance
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When you refinance your mortgage, you pay off your existing mortgage and replace it with a new mortgage that typically has a lower interest rate, term period, or monthly payment.

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JUMBO LOANS

Jumbo Loans Without the Big Bank Turn Times

Academy Mortgage specializes in Jumbo Mortgages—a home loan program that allows you to finance up to $2 million on a primary or second home with a 30-year or 15-year fixed-rate mortgage.

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ADJUSTABLE-RATE

Home Mortgage Loans with a Variable Interest Rate
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Academy Mortgage’s Adjustable-Rate Mortgages (ARMs) offer several advantages for homebuyers, particularly homebuyers who don’t plan to own for longer than 10 years or plan to refinance.

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BUILDING A NEW HOME? WORK WITH THE BEST.

Put our years of experience to work for you with the financing of your new home construction.

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GETTING THE RIGHT MORTGAGE STARTS WITH UNDERSTANDING YOUR DIFFERENT LOAN OPTIONS.

  • We don’t expect you to be a mortgage expert. Team 101 will take the time to explain your different loan options and present you different loan scenarios so we can find the best fit for your unique situation.
  • Customer service is our #1 priority and it is incredibly important to us that you have a great experience. Part of providing an outstanding experience is making sure you fully understand the different loan options available to you.
  • We don’t like to toot our own horn (OK, maybe we do but just a little bit), but more Utah residents have chosen Academy Mortgage than any other mortgage company in 2015 and 2016. (CoreLogic Marketrac Report, published 2015 and 2016)
  • Principles: We measure success not only in financial terms but also in human terms. We view our customers as people, not as loans.
  • Purpose: Our core purpose is to help individuals and families achieve successful homeownership through responsible lending.
  • Professionals: Academy’s outstanding people fuel the growth of our organization. We hire and retain the industry’s brightest and most capable mortgage professionals.
  • Processes: All of our processes are managed in-house, eliminating the need to outsource or depend on third parties to get the job done.

QUESTIONS? GET ANSWERS FROM A UTAH LOAN EXPERT.

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