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Getting a Mortgage One Year After a Short Sale Is Possible

January 19, 2012 By Leave a Comment

Many people who live in Arizona have went through a short sale in the last few years and are now wondering “how long after a short sale can I get a new mortgage?”

In the case of Sharon Johnson-Smith, Academy Mortgage and Steve Alonso were able to get them into a new home with financing only one year after a short sale.

Have you had a short sale in the past and now want to get a mortgage? Contact Steve today to find out how.

Get a Mortgage One Year After a Short Sale

From: Sharon Johnson-Smith
To: Steve Alonso
Sent: Friday, January 13, 2012 11:12 AM
Subject: Endorsement

Hi Steve,

Here is our endorsement – and we mean it sincerely. -Sharon and Pinkie.

—–
And they said it couldnt be done My husband and I began to have our doubts, but Steve Alonso pulled it through.

We are elated about being able to get financing on a home after only ONE year since our short sale closing.

I was particularly doubtful after talking with several other realtors who were sure that it takes 2-3 years after a short sale before any lending institution will finance a mortgage.

I had serious second thoughts about going through with purchasing our new home, after talking with a couple of mortgage brokers who saw it highly improbably we would get financing this year.

However, Steve with his This will be done, attitude, actually did it. Thank you Steve for performing what was considered an impossible feat!

Sharon Johnson-Smith, REALTOR
480-893-0600
Fax:888-400-1956
West USA Realty
sjsmith100@hotmail.com
sjsrealestate.listingbook.com

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Scott Smith at Academy Mortgage: Great Service!

November 22, 2010 By Leave a Comment

Another happy client who happened to send in an email to Kevin Kosisky about his experience at Academy Mortgage:

Dear Mr. Kosisky:

I am sending this e-mail to let you know of the wonderful experience that I have had while working with Scott Smith. His level of professionalism, knowledge and genuine desire to help be become a home owner is second to none.

Scott made me feel as if I was his only client. He always called me and provided updates to my loan status in a timely manner, as well as promptly responding to any e-mails sent or calls made by me to him.

When I first sat down with Scott to go over the different loan programs, terms and interet rates, I was pleasantly surprised that his recommendation was for a 30 year fixed rate mortgage. It was at this moment that I knew that Scott was the person I wanted to handle my loan.

When my purchase agreement was accepted, I was under contract to get an approval by November 22, 2010 and I have to be out of my apartment by November 29, 2010. During the process of obtaining the necessary information to get my loan approved, there arose several critical issues that if not handled with special care would have resulted in my loan being declined. I believe the advice and instruction provided to me by Scott made the difference in my loan getting approved.

In ending I would like to say that Academy Mortgage should feel honored to have a mortgage professional such as Scott Smith as an employee. I would also like to thank everyone that was involved in getting my loan approved. I will highly recommend Scott Smith and Academy Mortgage to my friends and family.

Sincerely,
Roderick Williams

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Nina Cimini At John Hall and Associates Recommends Academy Mortgage

November 1, 2010 By Leave a Comment

Are you a Realtor here in Arizona looking for what other Realtors think about working with our loan officers?

Here is what one local Realtor in Phoenix had to say about working with Steve Alonso:

I had the fortunate experience of dealing with Steve Alonso at Academy Mortgage for the sale of my own personal residence. I am a Realtor and I listed my house for sale last month. Since I am a Realtor, I have had a lot of exprience with mortgage lenders over the years. Steve was the mortgage officer for the buyer of my property. The service we received from Steve was absolutely top notch.

Even though I was not his primary client, he kept me informed every step of the way from the initial approval, to the underwriting process to the final approval and then the closing itself. His communication was above and beyond the call of duty and was very much appreciated. Steve has an impressive knowledge of the mortgage lending business. His experience is diverse and varied. He was able to answer all of my questions and I the feeling of confidence that I had from our first conversation carried throughout the entire transaction.

I was cautiously optimistic about closing in two weeks (the time stipulated in the buyer’s offer). However, Steve worked so diligently and coordinated the process so keenly, that I was extremely pleased that we did close right on time. In summary, I recommend Steve highly for your mortgage needs. We had no disappointments and feel is is the best in the business.

Nina Cimini
Realtor
John Hall and Associates
480-251-5914

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10 Day Close: Its Not Just Advertising

June 14, 2010 By Leave a Comment

10 Day Close – It’s not just advertising!

With only days remaining until their scheduled closing, my clients learned that their FHA loan would not be approved by a major bank because the property did not clear the 90 Day Flipping Rule.  Even though FHA disregarded those rules previously, major banks still have not softened.

I referred my clients to Steve Alonso on Friday afternoon.  By Friday evening he had their file in process, had contacted the previous lender to obtain the first appraisal and had ordered the second appraisal that would be required.  On Saturday morning we met Steve at his office and he took the time to fully inform them of what he could do and assured them that they would be approved.  He completed all the disclosures and worked closely with them to obtain all the paperwork needed to submit to underwriting.

My clients signed their documents at title on the 9th day after contacting Steve.  They received their keys on the 10th day thanks to Steve and his team of professionals.

The buyers will always remember their first home purchase and the fact that Steve prevented them from losing their $8,000 tax credit and even gave them a better deal than the major bank.

If you are looking for a Top Notch Lender, pick up the phone and call Steve Alonso.

You’ll be glad you did.

DeWitt Lang,    e-PRO, REALTOR ®
Realty Executives, Inc. 6263 N Scottsdale Rd, Ste. 140, Scottsdale , AZ   85250
602.796.9060 cell     866.285.9047 fax
Visit our website at:  www.AZHomeOnline.NET
Email me at:  DeWitt@LangAndLang.com

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Ten Day Close For A New Home From DR Horton

June 3, 2010 By Leave a Comment

From: Another Happy Client
Sent: Wednesday, June 02, 2010 9:36 PM
To: Matt Long; Doris Martinez; Summer Hershey
Subject: RE: Our New Home

Wow! Our heads are still spinning. I have never perchased a house where everything came together so well or so fast! This is the sixth house I’ve bought in my lifetime, and by far it was the best. I have to admit the two week timeline was a bit stressful, but having all of you working for us made it a lot eazier. If there ever was a “Dream Team” for a home purchase you guys were it. Starting with Matt, You are the best, man. Thank you for all of your hard work, this would not have been possible with out you. Doris at Academy was Awesome aswell as the people at Great American Title.
Summer, and everyone at DR Horton, Thank you so much for looking out for us on the day of our closing. I have to admit. We were “Stressed” , but you made it alot eazier.

Again, we can’t thank you guys enough!

PS. Don’t worry, I am NOT relaxing. I have Ceiling Fans to hang, Window treatments to buy, and a whole backyard to plant.
But this is where the fun begins.

Sincerely,
Another Happy Client

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Scott Smith: Obtaining The Unobtainable!

May 18, 2010 By Leave a Comment

From: Eva Potter
Date: Mon, May 17, 2010 at 5:08 PM
Subject: obtaining the unobtainable!
To: Scott Smith

May 17, 2010

Scott:

Just wanted to drop you a note to thank you once again for all of your help in getting my home.

When I went with Peoples Mortgage, it seemed like a never ending uphill battle going from one Lender to another.

It was frustrating and then I was told that we had to go with Chase bank because USDA was running out of money and it was now being funded by Chase bank.

And not only that but it would take 60 days to get it through Chase Bank and that would take too long and USDA would have run out of money then.

Needless to say Scott, you and Academy Mortgage has been a God send. Even though It seemed tough getting all of the documents the difference in timing to get the home was tremendous.

You were able to push my loan through in about 3 weeks, instead of 60 days. Once again thank you for going back to your office late at night and working on my loan. You truly have gone above and beyond to help me.

This message would not be complete unless I mentioned all of the help that Easa gave me. He is a very nice young man and was very patient and polite each time he helped me. Scott you have a good guy working for you.

I believe if more Mortgage Companies would hustle like you did Scott, more people would be living in their dream homes also.

Eva L. Potter

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Scott Smith Provides “Smoothest Closing In A Long Time”

May 6, 2010 By Leave a Comment

One of the great things about working with experienced loan officers is that they are able to provide the highest levels of service to their clients.

Scott, I will definitely recommend you to my next buyers.

One recent example of a(nother) happy client was someone who worked with Scott Smith to finance their new home. Consider the email Scott recently received:

Anderson Thank you

From: Laura Anderson
To: Scott Smith

It has been such a pleasure to work with you! This is one of the smoothest closings that I’ve had in a long time. Thanks for all your hard work on this, and I definitely recommend you to my next buyers!

LAURA ANDERSON

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Ted Canto Has Another 10 Day Close

February 2, 2010 By 1 Comment

Jeremy Cobb & Jennifer Doty

“Ted and his team were great to work with! They answered all of our questions quickly and in a way we Ted Cantounderstood, and got us our loan fast. Ted’s team was incredibly flexible working with us in obtaining our loan. They know what they’re doing and how to work with people to get the job done! Ted’s excellent level of service put us at ease while making the biggest purchase of our lives. We have nothing but good words and thanks for the work he did! They had our docs at title in 9 days (Way too fast)!

Thanks Ted!

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Justin McHood and Steve Lines Exceed All Expectations With the Ten Day Close Guarantee

January 28, 2010 By Leave a Comment

Recently, Dean Ouellette, a local AZ Real Estate Agent, and known vocal skeptic of the 10 Day Close Guarantee gave Justin McHood and Steve Lines a chance to prove him wrong after losing hope in another bank after 45 days.

Two days after the borrower’s application was taken, Steve and Justin delivered loan documents to title for signing.

See what Dean had to say about the experience.

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Craig Bohall and His Team Impress With a 10 Day Close

November 16, 2009 By Leave a Comment

2 Week Close!!!!!! Really!! It’s true!! We had a client that had an offer in for a short sale that went on for almost 4 months. It was awesome to get an approval letter and close this deal IN LESS THAN 2 WEEKS after receiving the approval.

Craig’s team is amazing. Everyone on the team knows their stuff and their communication is impeccable. In this market it is critical to have an awesome team backing you up. That is why Karen and I have named Craig as our preferred lender. AND YES!!!!. It REALLY was LESS than two weeks.

Thanks,

Roger

Roger & Karen Cornwell

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