The Home Loan Process

Dave Perry

Branch Manager, Senior Mortgage Specialist
  • NMLS# 34786 | Corp NMLS #3113
  • Utah - State Lic: 4947564 | Corp State Lic # 5491140-MLCO
  • Idaho - State Lic: MLO-1968 | Corp State Lic # MBL-671
  • dave.perry@AcademyMortgage.com
  • (208) 888-9394
  • 2845 E. Overland Rd., Ste. 160 & 170
    Meridian, ID 83642
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Our family has lived in the Boise, ID area since January 2003.  We came here 15+ years ago after graduating from college, and have loved it ever since!  Idaho is an amazing place, with exceptional people and we feel blessed to be involved in the community. 

 

My wife Heidi and I have three kids, two daughters, Reese (11), Kate (8), and our son Cutler (6).  They keep us busy with many sports and community activities. Our family time revolves around T-Ball & Volleyball games, camping in the mountains, and whenever the Boston Red Sox are playing -  Go Red Sox!  


I’ve worked in the mortgage industry for over 15 years now. Originally, I joined a local mortgage company in January 2003 and spent 3.5 years learning the business.  Since that time I’ve managed a branch of loan officers as well as my individual team’s production.

 

We made the decision to join Academy Mortgage in 2015 because they are a national lender, with a very local presence. Since joining Academy Mortgage, I have achieved the distinct title of both Top Producer and President’s Club Recipient, ranking my team’s in the Top 1% of all loan officers in the US for 2015-2017.  In Idaho, we were blessed to be the #5 lender in the entire state for the 2017 year.

 

All of our processing, underwriting, and funding is handled directly inside of my office in Meridian, ID. This type of control from start to finish allows us to create a next-level experience for our clients and friends. 

 

I absolutely love the ability that we have to help people achieve their dream of home ownership!  Whether it’s a beautiful new home to raise your family in, a vacation property to make memories in, or a rental property to create wealth – We look forward to adding value and earning the privilege of your business. 

Get Pre-Approval

Before you start looking for a home to buy, it’s a good idea to meet with your Loan Officer to get pre-approved for a loan amount. At this stage, the lender gathers information about income, assets and debts of the borrower (you) to determine how much house you may be able to afford. This includes a credit report, W-2 forms, pay stubs, Federal Tax Returns and recent bank statements. There are a variety of different loan programs, so make sure to get pre-qualification for the specific programs that best suit your needs.

We Help You Get The Best Loan

Start The Process

We’ll help you find the best local loan officer to get you competitive rates and the programs that best fit your individual needs. Fill out this form and we’ll connect you with a lender today!

Application & Processing

What happens when a loan goes "live"

When you find property you’re ready to buy, your lender will help you complete a full mortgage loan application, and talk you through the various fees and down payment options. The application is submitted to processing, where the documents are reviewed and appraisals and title examination are ordered. Then the loan is sent to an underwriter, who reviews and approves the entire loan if it meets compliance.

Closing

Signing and Finalizing the deal

Don’t be surprised if you’re asked for additional documentation or clarification throughout the process. Once your loan is approved, don’t forget to set up homeowners insurance. Your documents will be sent to the title company, where you’ll sign for the new home and pay any remaining costs. Then the loan is recorded and you get the keys. Congratulations, happy homeowner!

Get Started Today

Start the Home Loan Process

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Are you buying or selling a home?

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When are you planning on buying a new home?

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