Lacey Branch

676 Woodland Square Loop SE
Suite 111
Lacey, WA 98503
Welcome to Academy Mortgage!

Prospective homebuyers in Lacey, Washington, know which mortgage company to go to when they need a home loan: Academy Mortgage. Our professional team is one of the most trusted mortgage lenders in the suburban Olympia area.

Experienced and Well-Trained

Our customers put their confidence in us, and we take that responsibility seriously. Even though we have more than 30 years of experience under our belts, we never sit back and rest on our laurels. We are constantly attending trainings, seminars and continuing education classes to be sure we stay abreast of any and all industry changes. This gives us access to the innovative tools we need to stay on the cutting edge.

The mortgage business is a dynamic industry, and the more we know, the better we can serve our customers.

Integrity in Mortgage Lending

When you make the decision to buy a home, you do it with the understanding that it’s the biggest investment you will probably ever make. For that reason, you want a partner in the process you can trust. That’s where Academy Mortgage of Lacey comes in.

When you come to our mortgage company for a home loan, we ask you for the usual information — credit score, bank balance, annual salary, etc. But we also ask you questions to help determine your personal financial perspectives. We want to know what size monthly payments you consider manageable and how much risk you’re willing to take on. We do this because we care about you, and we want you to be happy and comfortable with your mortgage.

Local and National

One reason customers flock to Academy Mortgage is because of our unique offerings. They love that we’re local, and they can walk into our office anytime with questions about home loans and mortgages. They don’t have to call an 800 number, listen to options and wait on hold to speak to a stranger.

But we’re not just local — we’re also part of a national firm that has the combined financial we have the ability to offer to a variety of mortgage solutions at competitive rates.”

Cut out the Middleman

Getting a home loan is exciting, but we know it can be stressful as well. Part of that stress comes from the waiting that some applicants have to endure. But here at Academy Mortgage of Lacey, you don’t have to wait, because we handle everything in-house. From processing and underwriting we handle everything locally.

This saves you precious time, because there’s no mortgage broker, no middleman, no one to keep you waiting on the hook. Using Academy Mortgage is one-stop shopping.

Academy Mortgage of Lacey, WA

When you’re ready to learn more about obtaining a home mortgage, contact the trusted professional team at Academy Mortgage in Lacey, Washington. We can help you find the home loan program that’s right for you.

When you’re looking for a home loan in Lacey, Washington, rely on the expert team at Academy Mortgage to help you find the right program for you.

We get it — applying for a home loan can be scary. You might find the whole process just too overwhelming to think about. But at Academy Mortgage, we make applying for a home loan easy, and we guide you through the process every step of the way.

Our goal is to help anyone who wants to be a homeowner realize their dream. We don’t want anything to stand in your way. If your income is low or your credit isn’t the stellar, that doesn’t mean you can’t get a home loan. We can show you some options.

If you’re financially stable but feel that it might be hard to secure enough funding for the size home you want, rely on us to help you get a jumbo loan. Everyone has the right to pursue happiness!

Don’t let anxiety about applying for a home loan trap you into paying rent every month for the rest of your life. Come see the friendly team at Academy Mortgage!

Mortgage program summary

To find out about the home loan options that are available to you, come see the experienced mortgage lenders at Academy Mortgage of Lacey, Washington.

Just because you don’t have a five-figure bank balance, or a cushy job doesn’t mean you can’t qualify for a home loan. There are many home-loan options for low-income earners and those whose credit scores have suffered.

In today’s economy, it is especially challenging to be able to save money for a down payment on a home. The good news is you may not need to! Several home loan options include provisions for paying nothing down or help with defraying closing costs.

Rely on our experts to help you find the home loan option that works for you.

Loan Programs

First-Time Homebuyers

Talk to the experts at Academy Mortgage to find out about special programs for first-time homebuyers in Lacey.

Fixed-Rate and Adjustable-Rate Mortgages

Is a fixed-rate or adjustable-rate mortgage the better choice for you? Our experienced professionals in Lacey can explain your options. Call us
today to learn more.

FHA Loans

Federal Housing Administration Loans help low-to-moderate-income homebuyers who may have lower credit scores to become homeowners.
Call us to find out if you qualify for an FHA loan in Lacey!

State Housing Agency Loans and DPA Programs

State Housing Finance Agency Loans and Down Payment Assistance programs can put you into your own home in Lacey. Ask our mortgage
lenders if you qualify for one of these programs.

USDA Loans

If you’re low-income and willing to live in a rural area, you may qualify for a special loan from the U.S. Department of Agriculture. Call our Lacey
office to see if you qualify.

Conventional Mortgages

If you have a good credit score and enough money saved for a down payment, you may qualify for a conventional mortgage. Learn more about
this program from our mortgage lenders in Lacey.

VA Loans

Veterans and surviving spouses of veterans may be eligible for a 0-down home loan from the Veterans Affairs. Talk to our mortgage specialists
in Lacey to see if you qualify.

Renovation Loans

Are you planning to remodel your home but aren’t sure how to fund the project? Come talk to our mortgage lenders in Lacey about a renovation

Refinance Loans

A mortgage refinancing loan could save you thousands. Whether you want smaller payments, a shorter term or cash in hand, our Lacey
mortgage lenders can help.

Jumbo Mortgages

Shouldn’t you be able to have the dream home you want in Lacey? If a conventional loan doesn’t cover the cost, ask our mortgage lenders
about a jumbo mortgage.

Reverse Mortgages

Homeowners 62 or older may be eligible for a reverse mortgage. Ask our mortgage lenders in Lacey how to tap the equity in your home to fund
your retirement.

Mortgage Refinancing

Homeowners take advantage of mortgage financing for a number of reasons, but the most popular is to save money.

When interest rates fall, mortgage refinancing may save you thousands over the life of your loan. How much you can save depends on your original interest rate and other factors; talk to the team at Academy Mortgage to see if mortgage refinancing is a good idea for you.

If you’ve had your mortgage for a number of years and you choose to refinance for a longer term, you could lower your monthly payments. On the other hand, if your financial position has improved and you can afford higher monthly payments, you may shorten the term of your loan instead, thereby saving years of interest payments.

Some homeowners who have an adjustable-rate mortgage prefer to switch to the stability of a fixed-rate mortgage. This way, you can count on your payments being the same from month to month.

Homeowners who have been paying on their mortgage for a number of years may want to refinance to use some of their equity to fund a home remodel, vacation or another expenditure.

Mortgage refinancing can be a big money-saver — but not always. Trust the experts at Academy Mortgage of Lacey to help you decide when the right time is for mortgage refinancing.

Why Choose Us?

Homeowners have a choice when it comes to mortgage lenders in Lacey, Washington, and the often choose Academy Mortgage. Why? We have the power of a large, national firm behind us so you can feel secure when you get a mortgage with us. But our customers also love us because we’re local. You’ll see us at the park, the casino or even the winery on the weekend. You can be sure that once we close a mortgage deal with you, we’ll always be here to answer questions or help in any way we can.