Manteca Branch

1215 W. Center Street
Suite 204
Manteca, CA 95337

Welcome to Academy Mortgage!

Academy Mortgage in Manteca, California, wants you to know that getting a mortgage can be a lot easier than you thought — as long as you have the right mortgage lender to help you.

Experience & Training

When you’re looking for a mortgage company, you want one with experience. Academy Mortgage has been around since 1988, and that’s one reason our customers feel confident working with us.

But it’s not just our 30-plus years in the industry that make us a top choice for homebuyers. We provide ongoing training and continuing education for all our mortgage lenders, because the mortgage business is constantly evolving and changing, and we are committed to staying on the cutting edge.

Client-Mortgage Lender Relationship

Buying a home is probably the biggest investment you’ll ever make, so it’s critical that you choose to partner with a mortgage company you trust.

When you come to us, we look at the aspects of your finances you would expect — credit score, income, debt-to-income ratio, net worth, etc. — but we also talk to you about what you want in a mortgage. We want you to have not just the house of your dreams, but also to be comfortable with your monthly mortgage payments and happy with your decision.

National and Local

Another benefit of choosing of Academy Mortgage in Manteca is that although we reap all the benefits that come with being part of a large national firm, we’re also local. That means you get not only the backing of a solid financial institution, but the personal service you want in a mortgage company.

Our professional team is here for you when you want to inquire about getting a mortgage, ask a question about a mortgage you already have or you’re looking for an update on your application. We have live people answering our phones because we care about our customers.

No Middleman = Faster Process

One of the great parts of working with Academy Mortgage is that you don’t have to put up with all the hassles that come with using a mortgage broker — including all the time spent waiting for people to return calls and sign papers.

With our mortgage company, everything is done in-house. From processing and underwriting to closing handled locally and funding, we do it all. This greatly streamlines the process, and it means you get the keys to your new home that much faster. We’re your one-stop shop for a variety of mortgage options and a fantastic service for home mortgages.

Academy Mortgage of Manteca, CA

We believe it’s our expertise and our outstanding service that make us one of the premier mortgage lenders in Manteca. Find out for yourself — contact us today to get started on the path to homeownership!

Getting a home loan isn’t difficult — the hard part is getting the right home loan for you. That’s where we come in. We’re the expert mortgage lenders at Academy Mortgage of Manteca, California.

The truth is, there is a dizzying array of home loans available today. In fact, it is entirely likely that you may have not even heard of them all. There are government loans, private loans, loans for low-wage earners and veterans — and that’s just scratching the surface!

If you thought you couldn’t get a home loan because your credit score is not perfect or you don’t have enough money for a down payment, we’re happy to tell you that you’re mistaken.

Or if you’re in a good financial position but you’re worried you can’t get a conventional mortgage because you have your eye on a big-ticket home, we can help you obtain a jumbo loan to cover the cost.

The bottom line is, nothing should stand in the way of your dreams. Come and talk to the local, friendly experts at Academy Mortgage of Manteca. We’re here to help put you in the house you’ve always wanted. Don’t wait — call today!

Mortgage program summary

Here at Academy Mortgage, we think everyone should have the opportunity to realize their dreams of homeownership. We spend countless hours learning about new home loan options that can serve not only the typical homebuyer, but also homebuyers with fewer advantages.

Come talk to your local, friendly mortgage lender at Academy Mortgage in Manteca, and find out how we can put you in the house you’ve always wanted.

Loan Programs

First-Time Homebuyers

Ask our mortgage lenders about special programs for first-time homebuyers in Manteca, you might qualify for 0 down, low down payments and 100% financing. These programs make it easy to become a homeowner!

Fixed-Rate and Adjustable-Rate Mortgages

Our Manteca mortgage company talks over your financial situation with you and helps you decide whether a fixed-rate or an adjustable-rate mortgage is better for you.

FHA Loans

A Federal Housing Administration Loan is geared towards low-to-moderate-income homebuyers who may have lower credit scores than typical homebuyers. No one should be excluded from homeownership in Manteca!

State Housing Agency Loans and DPA Programs

A State Housing Finance Agency Loan or a Down Payment Assistance program help make homeownership affordable in Manteca. Our mortgage lenders will see if you qualify and help you apply for this valuable assistance.

USDA Loans

The U.S. Department of Agriculture provides special opportunities such as 0 down to low-income earners willing to live in a rural area. Come talk to our mortgage specialists in Manteca and find out if you qualify.

Conventional Mortgages

Conventional mortgages are aimed at those with good credit scores who don’t qualify for low-income programs and can make a down payment. Our Manteca office can help you with this type of mortgage.

VA Loans

These loans typically require no down payment but are available only to qualified veterans and qualifying spouses. Ask our mortgage specialists in Manteca if you qualify.

Renovation Loans

Are you planning to renovate your home? Talk to our mortgage specialists in Manteca about getting a renovation loan to help with expenses.

Refinance Loans

Whether you need a little cash in hand or you just want to take advantage of lower interest rates, our mortgage specialists in Manteca can help you with a refinance loan.

Jumbo Mortgages

Don’t let anything stand in the way of getting your dream home in Manteca. Come to us for help applying for a jumbo mortgage when a conventional one doesn’t cut it.

Reverse Mortgages

If you’re 62 or older and looking to trim your monthly expenses, a reverse mortgage might be for you. Use the equity in your Manteca home to live comfortably in your retirement.

Mortgage Refinancing

Many homeowners come to us when they’re considering mortgage refinancing. This option can help boost your financial coffers in several ways.

First, if interest rates have fallen since you obtained your mortgage (or since the last time you refinanced) you could save many thousands over the life of your loan by refinancing.

You may also refinance to get lower monthly payments, or to shorten or lengthen your loan term.

If you chose an adjustable-rate mortgage when you first took out your loan because the payments were more affordable, you may want to switch to a fixed-rate mortgage now. An ARM starts out with lower monthly payments because you are taking on risk — if or when interest rates rise, your monthly mortgage payments do as well. With a fixed-rate mortgage, your financial situation is more predictable.

Some of our customers come to us for refinancing to take some equity out of their home. They may use these funds as a bridge during trying times, to make home improvements, pay college tuition or start a business.

Refinancing is often a good idea and can save you money — but not always. Our customers trust us, and they value our honesty. Come talk to the mortgage experts at Academy Mortgage of Manteca to find out if mortgage refinancing can help you.

Why Choose Us?

At Academy Mortgage of Manteca, you get 2 great things. You get the financial security of working with a large, established, national firm coupled with the personal service our mortgage lenders are known for providing. Our staff is local; our customers see our mortgage lenders at the park, the pro shop or getting groceries at Costco. They know that they can rely on us to deliver the individual, specialized assistance they want — and have come to expect.