Fort Collins Branch

1951 Wilmington Dr.
Fort Collins, CO 80528

Welcome to Academy Mortgage!

Homebuyers looking for great home loans turn to the trusted professional mortgage lenders at Academy Mortgage in Fort Collins, Colorado.

For first-time buyers — and even veteran homeowners — the homebuying process can be stressful. Purchasing a home is probably the largest investment you will make in your lifetime, so feeling pressure is just part of the equation.

You can make it easier on yourself, however, if you rely on the experienced mortgage lenders at Academy Mortgage. We have been in the business since 1988, and we use our years of acquired wisdom to help homebuyers like you.

Selecting the right mortgage for your situation can be complicated. If you don’t know all your options, you might settle for a less-than-optimal deal.

We consider many factors when we look at home loans — and mortgage refinances — for you. We look at your credit rating, debt-to-income ratio and more. But we also look at who you are and what you want. We work overtime so you are comfortable with your home loan.

Our customers place their faith in us for a couple of great reasons — we have the strength that comes from being one of the largest mortgage lenders in the country, and our local chapter in Fort Collins is able to deliver the personal service that area residents feel confident relying on.

We craft deals that provide homebuyers the right terms for their needs, because we have a variety of home loan solutions to meet many different individual needs. You go to closing faster, because there’s no middleman. You aren’t hassling with a mortgage broker or being left to wait while another link in the chain stalls your paperwork. From processing and underwriting to closing and funding, we handle it all efficiently, getting you into your home as quickly as possible.

Contact the dependable mortgage lending team at Academy Mortgage today and get started on the path to homeownership.

Home Loans:

Get a great home loan for you with Academy Mortgage of Fort Collins. The sheer volume of home loans available is so numerous it can seem overwhelming. Count on the expertise of the professionals at Academy Mortgage to sort through your finances and options to help you find the home loan that works for you.

Mortgage Refinancing:

Refinancing your home mortgage can greatly improve your financial situation. Regardless of whether you want to change the terms of your mortgage, take advantage of lower interest rates or decrease your monthly payments, Academy Mortgage of Fort Collins can help. Talk to us today about mortgage refinancing.

You could get a home loan from one of many different mortgage lenders in the Fort Collins, Colorado, area, but Academy Mortgage will work hard to find an excellent solution for your needs.

Academy Mortgage has been a premier source of home loans and mortgage refinances since 1988. Our customers rely on our years of experience to provide knowledgeable and responsive service.

The Maze of Mortgage Loans

Home loans come in a wide variety of shapes and sizes, and shopping for the right one can be a frustrating, confusing endeavor for homebuyers, especially if it’s your first time. You will encounter many unfamiliar terms throughout the process, and you will undergo extensive vetting of your financial background and current situation. It’s stressful.

That’s why it’s good to have a highly trained professional on your side, to explain fully what’s going on every step of the way. You never want to feel out of control, or that you’re being kept in the dark for such a major purchase. When you successfully close on a home, you are signing a contract that obligates you to pay hundreds of thousands of dollars, so you want to be sure the advice you are getting is top notch.

Academy Mortgage — A Helping Hand

Anyone can go online and search “home loans,” but the 586 million results are sure to feel overwhelming. Clicking on some of them will reveal information about the dozens of types of home loans available, but many untrained shoppers wonder which loans they would qualify for, if any.
Here at Academy Mortgage of Fort Collins, we know which home loan may suits your needs. But we don’t know it inherently; we know it because we spend time getting to know you, your background, your finances and your wants and needs.

The Process of Choosing a Home Loan

Once we have the information, we need from you, we integrate it with our years of experience in the mortgage lending industry to determine which home loan could be right for you.

Further, we offer our clients a distinct benefit, which is the backing and foundation of a major national mortgage lender combined with local knowledge of the Fort Collins market.

We can offer a level of flexibility you can’t always get with other major lenders or mortgage brokers. For instance, a major lender might automatically disqualify an applicant based on a low credit score. But at Academy Mortgage, we take the time to find out why the credit score is low.

This is a major difference between a mortgage lender who is merely out to amass as many loans as possible, and a local, personal lender who wants to help put families into homes.

Rely on the trusted professionals at Academy Mortgage for your home loan and get the peace of mind of knowing our 30-plus years of experience in Fort Collins are working to help you.

Mortgage Refinancing

Are you thinking about mortgage refinancing? If so, contact the experienced professionals at Academy Mortgage in Fort Collins.
You may have gotten a great home loan when you bought your Fort Collins property, but it may no longer be good for you. The most common reason for mortgage refinancing is falling interest rates.

Interest rates naturally rise and fall over the years, and this fluctuation can make a huge difference in a mortgage loan. Home mortgage rates were at an astronomical high in 1981 — 18.64%! Since then, they have steadily gone down over the last several years.

A change of even 1% on a mortgage interest rate can save a borrower thousands of dollars over the life of the loan. So, when interest rates drop, it’s worth looking into mortgage refinancing.

ARMs vs. Fixed Rates

Another reason some homebuyers want mortgage refinancing is because their original loan had an ARM (adjustable-rate mortgage) and they want to switch to a fixed-rate mortgage. ARMs usually offer a lower interest rate to start out than a fixed-rate mortgage. Further, if mortgage rates fall, homeowners with an ARM don’t have to refinance — they automatically get a lower rate. This also saves them the closing costs that most homeowners have to pay with mortgage refinancing.

But while an ARM can save you money, it’s risky. That’s why many homebuyers prefer to be locked into their interest rates. It protects them from spikes they may not be able to afford.

Mortgage Terms

Another reason some homebuyers want mortgage refinancing is to change the term of their loan.

Some homeowners looking for mortgage refinancing for this reason are usually looking at a major change in financial circumstances. Either they have begun earning significantly more — possibly due to a job change or a marriage — and they want a shorter term, or they have lost income and need to make smaller payments.

Qualifying for Mortgage Refinancing

Guidelines change, but oftentimes you will need to qualify for mortgage refinancing much the same way that you qualified for your original loan. If, since that time, you have quit your job to start your own business, gotten divorced, become widowed or had another major change in financial circumstances, this could affect your ability to qualify.

Don’t let that discourage you from trying, however. The professional mortgage lenders at Academy Mortgage are here to help you achieve your financial goals. Contact us today to find out if you can qualify for mortgage refinancing for your Fort Collins home.