Laura Mullins - Senior Loan Officer, NMLS #22819

Laura Mullins - Senior Loan Officer, NMLS #22819 🏡 30 yr expert navigating the residential mortgage process
🗝️ Licensed In CT,MA,RI,NH,ME,FL WHY WORK WITH LAURA?

I am seasoned loan officer with 30 years of experience helping folks navigate the residential mortgage loan process.

10 of those years I owned and operated my own mortgage company (Wayside Mortgage Company Carlisle, MA) where I gained valuable experience and a solid understanding of all aspects of the mortgage operation process. I am hands on and responsive throughout the entire loan process ri

ght up until closing. I am licensed in Massachusetts, New Hampshire, Rhode Island, Maine, and Florida. Although I offer a wide variety of loan products and programs, my niches are jumbo lending, bridge financing, self-employed borrowers, first time home buyers, construction lending and clients going through a divorce. I have had maintained my real estate salesperson license for 35 years, so I have inner view and understanding of the agent’s side of the transaction. I am highly committed to my own professional and personal development not limited only to continuing education. I am a Concord native and a graduate of Concord-Carlisle High School(1982). For the last 26 years, I have lived in Carlisle where I raised my children. Lastly, after 3 decades of being a loan officer, I still have a zest for what I do, and I am confident that I am one of the best in the industry!

When you're buying a home, you have the option to have an inspection done on the property you're buying. The inspection ...
01/05/2024

When you're buying a home, you have the option to have an inspection done on the property you're buying. The inspection is a thorough examination of a home's condition performed by a local professional. As the potential buyer, an inspection could reveal any potential, hidden issues with the home that could be costly to repair. Have other questions about the home-buying process? Message me!

There are a lot of terms thrown at you when you're considering buying a home - we know it can get confusing. A fixed-rat...
12/29/2023

There are a lot of terms thrown at you when you're considering buying a home - we know it can get confusing. A fixed-rate mortgage has a fixed interest rate that remains the same throughout the life of your loan, while an adjustable-rate mortgage has an interest rate that can change over time based on market conditions. There are pros and cons to each type of product, depending on your goals. Regardless of what your goals are, Academy Mortgage has a product to help make them become reality. Give me a call and let's chat about your options.

You’re about to make an offer on your dream home, but the property has an HOA. Is that a deal-breaker, or should you go ...
12/27/2023

You’re about to make an offer on your dream home, but the property has an HOA. Is that a deal-breaker, or should you go ahead with the purchase? “https://tinyurl.com/4nuzat6y?lo=Laura-Mullins”

If you have questions about how HOA dues could affect the amount of mortgage you qualify for, please send me a message.

Rates are determined by a variety of factors, like the current state of the economy, inflation, and overall demand for m...
12/20/2023

Rates are determined by a variety of factors, like the current state of the economy, inflation, and overall demand for mortgages. An individual's credit score, income, debt-to-income ratio, and even the loan type and its terms can impact the rate. While most homebuyers are - understandably - looking for a low rate when considering buying a home but did you know that the loan with the lowest rate isn't always your best option? Getting into the wrong mortgage could potentially cost you thousands, wiping out any savings from a low-interest rate. I can help find the ideal product at a price that fits with your life. Contact me for a personalized assessment.

The total amount borrowers need to bring to the closing table is often referred to as "cash to close". Cash to close can...
12/12/2023

The total amount borrowers need to bring to the closing table is often referred to as "cash to close". Cash to close can consist of closing costs, down payment, prepaid interest, taxes, and homeowners’ insurance. Contact me today and I can help run scenarios and find a loan that fits your life.

Planning to buy a home can feel daunting! You can help improve your chances of getting approved for a mortgage by having...
12/07/2023

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 len...
12/06/2023

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 pu...
11/28/2023

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 pla...
11/27/2023

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.

Address

26 Main Street
Concord, MA
01742

Telephone

+19783697182

Website

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