Welcome to Academy Mortgage!
Meridian, Idaho’s Preferred Mortgage & Home Loan Experts
In Meridian, Idaho, the Academy Mortgage team offers world-class customer service and a great selection of mortgage and home loans. We off a broad variety of mortgage solutions at competitive rates.
We are a full-service mortgage lender with a variety of options for home loans, refinancing and more. We recognize the importance of finding the right loan for your needs and your budget, and we’re here to help you find a great financing solution.
Whether you need a loan to purchase a home in Idaho, want to refinance your Meridian current property or are interested in building a new house, calling on the experts at Academy Mortgage in Meridian is a great way to achieve your goals.
Your Go-To Experts for Home Purchase & Refinance Loans
Unlike a bank or credit union, we are a full-service mortgage broker. We have access to a wide variety of lending programs of all sizes and types. This allows us to shop the marketplace and compare options, to find the program and financing terms that meet all your objectives.
Our team of mortgage professionals can assist you with conventional loans as well as FHA, VA and USDA loans. We’re experts in both refinance loans and reverse mortgages as well, so you can rely on our team for all of your home financing needs.
With us, you will enjoy a highly personalized level of service and attention. We believe in taking the time to find our customers the perfect home loan program. You are making a significant investment in your home and the selections you make now will affect your financial health for years to come.
Meridian’s No-Hassle Mortgage Lender
Getting a mortgage can be one of life’s most stressful experiences – but it doesn’t have to be when you place your trust in Academy Mortgage Meridian. Our team has decades of combined experience in home financing, and we put that knowledge to work for you every day.
Our processes are uniquely straightforward, and we believe that proactive communication is critical to moving your loan along efficiently. If you have been putting off applying for a mortgage, you don’t have to worry. We will make the entire process pleasant and user-friendly.
Smoothly transitioning a loan from application and approval to closing takes a strong, cohesive team. We work hand-in-hand with your team, too, including your agent, the title company, appraisers and everyone else who has a hand in making this process a success.
This allows us to anticipate and identify any potential issues before they become problems or, worse, delays. We make a commitment to get your loan done in a reasonable time period and then we live up to our promises.
One of the biggest advantages to working with our mortgage professionals is that every aspect of your loan is handled locally. This means we have direct interaction as your loan is underwritten, processed, funded and closed. You will be hard-pressed to find another local lender who can offer you that level of control and assurance.
Before you make any decisions about your next home loan or refinance, contact us to request a no-cost, no-obligation consultation with one of our experienced Meridian mortgage lender specialists.
Owning a home remains one of the pillars of the American dream – and home loans help us get there.
At Academy Mortgage in Meridian, Idaho, we have a wide variety of excellent loan programs that can fit a multitude of needs. Whether you are planning to buy a house, refinance your existing property, or put a reverse mortgage on your home, we have loans for every price range and budget.
We also specialize in helping first-time homebuyers and those with credit challenges. We believe that everyone deserves the opportunity to own their home without threatening their financial security. And that’s what drives us every day to help our customers find great home loans in Meridian.
Meridian, Idaho Home Loans for Today’s Borrower
Today’s economic landscape looks drastically different than it did even a decade or two ago. Borrowers feel like they must deal with dozens of hurdles and challenges as a part of getting a mortgage. Horror stories of hassles and the fear of not qualifying keeps many people on the sidelines, under the mistaken impression that they’ll never be able to secure the financing they need.
We understand the doubts and stress borrowers face these days, and our goal is to eliminate all of the headaches. Our friendly and knowledgeable mortgage broker team is here every step of the way, guiding the process and making it easier to obtain a home loan.
As a full-service mortgage broker, we offer a wide range of financing solutions. From Idaho FHA and USDA loans to VA mortgages, conventional loans and more, we have access to lending programs of all types. Our team works with dozens of lenders, and we can shop around to find your most favorable option, a loan that meets both your needs and your budget.
Trusted Home Loan Specialists Serving Meridian, Idaho
The professional team at Academy Mortgage has decades of combined experience in the home loan industry, and we’ve helped tens of thousands of families across the country realize their dreams of homeownership. Countless others have turned to us for reverse mortgages and refinance loans, and we’re proud to have many referrals and returning customers.
We’re committed to responsible lending practices, and we handle the loan processing, underwriting and funding in-house. Our team also works directly with real estate agents, title companies, appraisal services and others who are integral to these processes. As such, we’re able to move everything along more quickly and meet every need.
Choose us, and you’ll have mortgage and loan experts working on your behalf, ready to explain your financing options, answer your questions and offer advice. We care about our customers, and with our streamlined process, innovative mortgage tools and extensive variety of loan solutions, working with us is a great way to achieve your financing goals.
Whether you’re a first-time home buyer, want to purchase a second property or are interested in refinancing, you’ll be in good hands with Academy Mortgage. Contact us and request a free, no-obligation consultation with one of our highly experienced home loan specialists today!
First-Time Homebuyer Loans
Buying your first home doesn’t have to be a challenge. At Academy Mortgage, we make it easy to secure a first-time homebuyer loan that meets your needs and allows you to become the proud owner of your dream property in Meridian, Idaho.
While many people look to their bank or credit union for a home loan, working with a full-service mortgage lender has the added benefit of access to a variety of different loan programs or brokered loan options, giving us the ability to shop around for great home loan rates and terms. Brokers represent dozens of lenders, which gives us the ability to shop around for great homebuyer loan rates and terms.
The Academy Mortgage team loves helping first-time buyers in Meridian, and we’ll walk you through every step of the home loan process. We take great pride in giving prospective homeowners personalized service and guidance. Put your trust in us, and you’ll see how simple and stress-free getting the keys to your first home can be.
Broad Range of Home Loan Programs for First-Time Buyers in Idaho
Many individuals and families in Meridian believe they can’t afford to become homeowners. However, most don’t realize that several Idaho home loan programs are designed to help first-time buyers – even people with credit challenges and little money saved to put down on a house.
Reach out to our mortgage professionals, and we’ll help you explore your options. Our friendly and knowledgeable team is happy to explain the benefits and drawbacks of conventional mortgages compared to homebuyer loans through the FHA, VA and USDA. We understand all of the lending programs available, and our highly experienced brokers can also point you toward down payment assistance programs.
With Academy Mortgage, you can get a first-time homebuyer loan in Meridian, Idaho that fits your budget. No background knowledge of the financing process is necessary – that’s what we’re here for, and we’ll provide all the mortgage information you need to make a smart financial decision.
Meridian, Idaho’s Trusted Experts in First-Time Homebuyer Loans
Are you ready to buy your first home? For an easier time navigating the path to homeownership in Meridian, reach out to the professional team at Academy Mortgage. Our home loan specialists have decades of combined experience working with first-time buyers, and we look forward to helping you find and secure a favorable financing solution.
As a direct mortgage lender, we’re able to process, underwrite and fund home loans locally. Plus, we routinely work side-by-side with appraisers, title companies, real estate agents and other professionals who are a part of the home buying process. These are definite advantages, as our team has what it takes to expedite every step and provide prospective homeowners with a stress-free experience.
Academy Mortgage is a nationally respected industry leader, and we’ve helped tens of thousands of individuals and families secure financing to buy their first homes. Let us find you a mortgage with excellent terms and great interest rates that meet your needs– contact us to arrange for a free, no-obligation consultation to discuss first-time homebuyer loans for properties in Meridian, Idaho, today.
Do you have a sizeable amount of equity in a Meridian home? If you’re at least 62 years of age, you may want to consider a reverse mortgage – and the professional team at Academy Mortgage can help you take advantage of this unique loan solution.
Reverse mortgages have much to offer older Idaho homeowners. Also known as a home equity conversion mortgage (HECM), this type of loan allows you to cash in on the value of your property. You’ll get to skip making monthly payments* to your mortgage lender, and you’ll be able to pull on the equity you’ve built and use the funds as you like. *Although there are no monthly mortgage payments, the borrower will continue to be responsible for paying property taxes, homeowners insurance, property charges, and maintaining the home.
If you’re a senior in need of extra cash for home improvement projects, medical bills, day-to-day expenses or any other reason, Academy Mortgage is ready to help you strengthen your financial position with a fixed-rate or adjustable-rate reverse mortgage.
Reverse Mortgage Options for Homeowners in Meridian, Idaho
The home equity conversion mortgage is a Federal Housing Administration (FHA) program. The loan option allows you to retain your homeownership, and as long as you continue to occupy your Meridian home, you won’t monthly mortgage payments*. Plus, you’ll have access to the cash you need, so it’s a great way to boost your financial security. *Although there are no monthly mortgage payments, the borrower will continue to be responsible for paying property taxes, homeowners insurance, property charges, and maintaining the home.
The amount of money you can borrow through a reverse mortgage depends mainly upon how much home equity you have available, but other factors play into the decision. The Academy Mortgage team can complete the calculations to help you determine how much cash you’ll be able to access with a HECM loan.
We can also explain your HECM loan and payment options. You can choose a fixed-rate reverse mortgage, which offers a lump sum of cash. Or, if you opt for an adjustable-rate loan, you can get monthly cash payments from your lender. And with a line of credit HECM, you’ll be able to draw on the funds as you need them. As for figuring out which option is right for you, our mortgage professionals are happy to share their expertise and help you come to a decision.
Professional Mortgage Lenders Meridian Homeowners Can Trust
Academy Mortgage offers a broad portfolio of lending solutions, one of the largest in the home loan industry. Our goal is to provide financing options that meet the needs of current and future Meridian homeowners, and we’re confident we can find the right loan to suit your situation.
Our professional team has extensive experience in home financing, and our commitments to responsible lending practices and unparalleled customer service have earned our company nationwide respect. We make the process of securing a loan with favorable terms easy, and we’ll guide you every step of the way, from application to closing and beyond.
Turn to Academy Mortgage for lending solutions in Meridian, and you can expect to have an exceptional experience. If you’re ready to learn more about reverse mortgages, contact us to request a no-cost, no-obligation consultation with one of our friendly and knowledgeable home loan specialists today.
Is it time to refinance your Meridian, Idaho, home? Mortgage refinancing is a big step, and the professional team at Academy Mortgage can help you determine if replacing your current home loan with a new one makes good financial sense.
Refinancing could result in a lower interest rate a reduced monthly mortgage payment, better home loan terms or all three. Taking out a refinance loan could also allow you to drop the extra expense of private mortgage insurance or tap into the equity of your home. As a homeowner, you have plenty of reasons to consider refinancing, and our loan experts can evaluate your current mortgage and explain how a refinance loan can benefit you.
If you love your Meridian home but want a home loan that meets your needs and budget, mortgage refinancing might be the right option. And if you’re ready to take the leap, we’re here to help.
Mortgage Refinancing Solutions for Meridian Homeowners
Mortgage refinancing involves much more than rate shopping. When you refinance, you could opt to extend the term of your home loan to lower your monthly mortgage payment. Or, if you’d prefer to build up equity more quickly and you can afford to put additional cash toward your loan, you could choose a shorter term.
For more predictable monthly payments and an easier time budgeting, switching from an adjustable-rate to a fixed-rate home loan can be an effective strategy. And you could choose a home equity line of credit (HELOC) or cash-out refinancing and convert the equity you have in your Meridian home into funds you can use any way you like.
Whatever your mortgage refinancing goals, the lending specialists at Academy Mortgage can help you find a home loan that provides you with the biggest benefits. And with us, the process of securing a refinance loan will be simple and stress-free.
Meridian’s First Choice for Home Refinance Loans
Academy Mortgage is a national leader in the lending industry, and Meridian homeowners trust our team of home loan experts for guidance and advice on mortgage refinancing. We have decades of combined experience and access to many different lending programs, and we can help you make a great decision for your family’s future.
Turn to us, and we’ll find a home refinance loan that fits your life and improves your financial situation. This is one of the largest transactions you’ll likely face, and you can trust our dedicated specialists to develop a mortgage strategy that meets all of your needs.
We strive to provide a superior level of customer service, as we truly care about helping people achieve their home financing goals. If you have questions about refinance loans or want expert help weighing the costs and benefits of refinancing, we’ll happily share our expertise. We’re here to assist in every way we can, and you can count on Academy Mortgage for customized home loan solutions.
Would you like to learn more about refinance loans for Meridian, Idaho, homeowners? Contact us and schedule a free, no-obligation consultation to explore your mortgage refinancing options today!
Lori KarauLoan Officer AssistantNMLS #1938342State Lic ID #MLO-2081938342
Laura LaHorgueLoan Officer AssistantNMLS #1077748State Lic ID #MLO-2081077748
Joe NunleyLoan OfficerNMLS #149410State Lic ID #MLO-2080149410
Adam ShelbyLoan Officer AssistantNMLS #1750023State Lic OR #1750023, ID #MLO-2081750023