Baltimore Metro Branch

Welcome to Academy Mortgage!

Academy Mortgage — Baltimore

Baltimore is a vibrant East Coast city, its Inner Harbor area packed with fascinating museums and a thriving nightlife. Homebuyers line up to tour the single-family homes, duplexes and historic townhomes with charming front stoops. If you’re looking to buy in Baltimore, come see the professional mortgage lenders at Academy Mortgage for excellent customer service and great rates.

While shopping for a home in undoubtedly fun, we understand it can also be stressful. That’s why we endeavor to make the process of applying for a home loan smooth and easy for all our clients. We want you to be able to shop worry-free!

Our Training and Experience, Working for You

We believe longevity speaks to a company’s value. We have been in business for over 30 years, and in that time, we’ve amassed quite a following. We’re known throughout Baltimore for our thorough knowledge of the mortgage industry and the community, our tireless hard work and our commitment to customer service.

One thing we have learned over the years is to never sit back and rest. There’s always another mortgage company waiting to take our spot at the front of the line. That — and the joy we get from seeing our clients take possession of their new home — is what keeps us constantly learning and growing.

We dedicate countless hours each year to training sessions in order to keep abreast of industry changes, so that we can deliver fantastic customer service.

Academy: A National and Local Mortgage Company

Our customers appreciate that we are part of a large, national lending organization, this allows us to offer great rates and a broad variety of mortgage solutions. At the same time, we operate our Baltimore branch like a small business.

That means you can call or come in anytime you have a question about your mortgage or your application. You don’t have to call an 800 number and wait on hold to speak to a stranger. We know our customers are grateful to see a familiar face, because issues surrounding homeownership can sometimes be emotional.

Integrity in Mortgage Lending

When you buy a home in Baltimore, it’s likely the biggest purchase you’ll ever make. Because of this, you want to be sure you partner with a mortgage lender you can trust. That’s Academy. We’ve been a top choice of local homebuyers for decades, and we’ll continue to be for decades more.

When we work with new clients, we go over their financial information, but we also ask them questions about their wants, needs and expectations for a home loan. We ask you what you’re comfortable with, and the answers to all these questions help us match you with the right home loan program for you.

Delivering Dreams in Baltimore

Waiting for your mortgage approval to come in can seem interminable. We get that. That’s why we have developed a streamlined approval process. We cut out the middleman — everything is handled locally from beginning to end, including processing, underwriting, closing and funding.
We also have access to some of the most sophisticated mortgage lending tools in the industry. This allows us to push your application through faster, so you can take possession of your new home sooner.

In all our years in the mortgage lending business, we have seen many clients come in who are overwhelmed by the homebuying process. We know it’s a lot. The mortgage lending business is complex and takes many years to master. We’re here to make getting a home loan easier on you.
Some potential Baltimore homebuyers come in with concerns that they may not qualify for a home loan because they are low income, have little savings or their credit score is not as high as they’d like it to be. Many are pleased to learn that they may be eligible after all! We have loans designed specifically for borrowers without a big down payment saved or who have not so perfect credit.

If we think there’s a chance you may not qualify, we tell you what you need to do to get into financial shape as soon as possible, so you improve your chances of approval.

We’re here to help you become a Baltimore homeowner. We Inspire Hope, Deliver Dreams and Build Prosperity.

Mortgage Program Summary

The typical homebuyer is usually unaware of the sheer volume of home loan options available to them. This is natural, because they are not expected to be experts in the industry. That’s our job! We are constantly monitoring changes and new developments, so we can offer our clients great service.

We sit down with each individual customer and learn about their finances and their background, because this helps us match them with the right home loan option for them.

Fixed-Rate and Adjustable-Rate Mortgages: The type of mortgage you choose can affect your monthly payments. We can explain the difference to you and recommend which option is better for your situation.

FHA Loans: If you’re low income or if your credit score isn’t as high as you would have hoped, an FHA Loan may be right for you. Ask our mortgage lenders for more information.

State Housing Programs and DPA Loans: Not everyone is able to save money for a down payment. A Down Payment Assistance Loan could help get you into your dream home. Ask us how.

USDA Loans: If you’re willing to live in a rural area outside of Baltimore, you may qualify for a USDA Loan. Talk to us about whether you should apply for this type of loan.

Conventional Loans: Homebuyers with good credit scores and money saved up for a down payment are great candidates for Conventional Loans. Our mortgage lenders can assist you with your application.

VA Loans: If you’re a veteran or the surviving spouse of a veteran, you may qualify for a VA Loan. You pay no PMI with these 0-down loans. Ask us how to qualify.

Renovation Loans: Remodeling is a great investment, but it can be pricey. Our mortgage lenders can show you how to get a Renovation Loan to fund your home improvement projects.

Refinance Loans: Baltimore homeowners have the potential to save money save money with a Refinance Loan. Cut your monthly payments or shorten your term. Our mortgage lenders can fill you in on details.

Jumbo Mortgages: If you have your heart set on a historic or palatial Baltimore property, you may need a Jumbo Mortgage. The Academy team can help you apply for this special program.

Reverse Mortgages: Baltimore homeowners 62 and over can apply for a Reverse Mortgage to help them meet their monthly expenses. Talk to us to find out if you’re a good candidate.

First-Time Homebuyer Loans: First-time Baltimore homebuyers are eligible for all kinds of perks, such as 0 down and no closing costs. Find out how to benefit from this great program.

Mortgage Refinancing

Homeowners considering mortgage refinancing stand to save thousands of dollars with this program. How much you can save depends on several factors, however. Let us fill you in.

What brings many Baltimore homeowners into our offices is a drop in the interest rate. If the current interest rate is even 1% below the interest rate on your mortgage now, you could save substantially by refinancing.

If you go this route and you choose to keep the same terms, your monthly payment will likely be lower. If you extend the term, it could be significantly lower. However, you could opt to shorten the term instead, which would mean your monthly payments would be higher, but you would be done paying much sooner, thereby saving more over the life of the loan.

Homeowners with an adjustable-rate mortgage may want to take this opportunity to switch to a fixed-rate mortgage. A fixed-rate mortgage can offer more stability to the homeowner, since payments are usually the same each month.

Another benefit that may be available to you when you refinance your mortgage is the option to get cash back. This can be a lifesaver for a cash-strapped family who needs money to pay bills. It could also be a means to finance a car, home renovations, a trip or another purchase.
Mortgage refinancing can be helpful, but it’s not always the case. Talk to the experts at Academy to find out if now is the right time for you to refinance your home in Baltimore.

Why Choose Us?

It’s true that mortgages are about numbers, but they’re about more than that. Buying a home can be a visceral, emotional process. You want not only a learned professional by your side, but a friendly face as well. Academy is not just a website; we’re a brick-and-mortar structure with live people inside who enjoy helping Baltimore residents become homeowners. When you work with Academy, you get a solid mortgage professional, and you make a friend in the process. Contact us today to get started securing your part of the American Dream.


Call Academy today and get started down the path to homeownership.