Plymouth Branch

251 North Main Street
Plymouth, MI 48170

An Experienced Mortgage Lender in Plymouth, Michigan

Shopping for a home in Plymouth, Michigan? Come see the mortgage lending experts at Academy Mortgage!

Shopping for a new house is serious business. In fact, it may be the largest single purchase you’ll ever make. As such, you want a great mortgage loan for your situation. That’s why our customers come to us. We have been in the mortgage lending business since 1988, and our 30-plus years of experience make us a leader in our field.

Further, we are part of one of the largest national mortgage lending companies in the nation. This gives us a wellspring of resources at our disposal, including the ability to offer you a broad portfolio of mortgage solutions at competitive rates
But we’re a big company with a small-town feel. We achieve this by operating local branches like the one here in Plymouth. You can fill out a mortgage application on your phone while you wait for the traffic light to change, but that’s not the kind of experience our customers want.

Our clients like to sit down with us, ask questions and get answers. We’d like to say this is our favorite part of the job, but the truth is, when the buyer takes possession of the home with excitement, we love to see that. We love to see happy faces!

Our business model allows us to close loans as quickly as possible. That’s because we do everything in-house. From processing and underwriting to closing and funding — it’s all done here locally. There are no mortgage brokers, bankers or others to drag their feet and slow down the process.

If you’re interested in learning more about obtaining a home loan or mortgage refinancing in Plymouth, Michigan, stop in and see the friendly professionals at Academy Mortgage today. The sooner you start, the sooner you’ll be in the home of your dreams!

Home Loans: For the most complete information about home loans in Plymouth, Michigan, come see the experienced mortgage lenders at Academy Mortgage. We will show you all the options available to you and help you choose the right one for your financial situation. Call or come in today.
Mortgage Refinancing: Whether you are interested in securing a lower interest rate on your home loan, switching from an adjustable-rate to a fixed-rate mortgage or changing the terms of your loan, the professional team at Academy Mortgage in Plymouth, Michigan, can help you. Rely on us to get you a great home loan that meets your specific needs.
First-Time Homebuyer Loans: At Academy Mortgage, we offer low-income Plymouth-area residents first-time homebuyer loans because we believe they should have the same opportunity at homeownership as anyone else. Come in and talk to our trusted mortgage lenders to find out how you can qualify for these types of loan programs.

Home Loans

Homebuyers may not think about shopping for a home loan as much as they think about shopping for the home itself, but they should. The type of home loan you get affects your financial health, which in turn affects the rest of your life. Rely on the experts at Academy Mortgage of Plymouth, Michigan, to help you get a great home loan for you.

The number of home loans and programs available to today’s prospective homebuyers can be overwhelming. It takes many years of training and constant attention to changes and updates to remain at the top of the field of mortgage lenders.

Academy Mortgage: The Voice of Experience

At Academy Mortgage, we have been in the business since 1988. Our 30-plus years of experience allow us to provide a level of service unmatched in the Plymouth area. Customers trust us because we have endured in this competitive industry for so many years.

Another reason clients come to Academy Mortgage for their home loans is because of our level of personal service. We’re part of one of the biggest mortgage lending companies in America. The size of our organization allows us to offer a variety of mortgage solutions for a variety of needs.

Your Neighborhood Lender

At the same time, we’re local. We’re not just a faceless website address, we’re a brick-and-mortar building with live employees. As our customer, you can come in anytime to talk to us about home loans or mortgage refinancing.

The way we do business is a comfort to our customers. They know that when they call us, we’ll answer the phone. But they also know that with us, they’re getting exceptional, knowledgeable service.

Your Home Loan Options

Many factors can affect the type of home loan that is right for you. The most important is your finances — namely your credit score. A good credit score makes the process smoother, but a less-great score does not necessarily preclude you from joining the ranks of homeownership.

Our mortgage lenders take the time to fully review your credit and ask important questions about your specific situations. We can help you come up with a game plan to get you ready for homeownership. This could be the difference between buying a home and staying a renter.

Fast and Efficient

Once you settle on your home loan, know that the process moves quickly. You may have heard it’s excruciating to wait for the paperwork to be done with a home mortgage, but it isn’t at Academy Mortgage.

That’s because we do everything in-house. There is no mortgage broker, no delays, no waiting. You get the keys to your house as quickly as possible. Are you ready to find out more about home loans from Academy Mortgage in Plymouth? Call or come in today and get started.

Mortgage Refinancing

If you’re wondering if mortgage refinancing could save you money on your home loan, come talk to the professional team at Academy Mortgage.

When interest rates fall, it may be a great time for homeowners to refinance. Depending on how much the interest rate was when you originally took out your mortgage, you could save many thousands of dollars over the life of your loan.

If you changed the terms of your mortgage at the same time as your refinance, you could save more money. Shortening the term can save you thousands in interest, especially if you’re getting a lower rate at the same time.

Considerations with Mortgage Refinancing

We consider other factors that can help you save money with mortgage refinancing as well. For example, if your credit score was lower when you got your mortgage, but it has improved, you could qualify for a better rate with a higher credit score.

Maybe when you took out your mortgage you opted for an adjustable interest rate so you could save on the monthly payments. When interest rates fall precipitously low, that might be a good time to lock in = a fixed-rate mortgage and protect yourself from spikes during inflationary periods.

There is so much to look at with mortgage refinancing. That’s why our customers count on us, the premier professional mortgage lenders in Plymouth.

Academy Mortgage Is Local

If you have heard of Academy Mortgage, that’s because we’re part of one of the largest mortgage lenders in the U.S. That’s a benefit that gives us the flexibility to offer you excellent loan programs at competitive rates.

But despite our size, we’re able to offer the type of local service our customers love. That means you can come in and sit down with us to ask questions about your home mortgage any time. You don’t have to wait on hold to talk to a stranger. We’re right here in downtown Plymouth, and we’re available to our customers for face-to-face consultations any time. No obligation.

Fast and Efficient

We can also complete your mortgage refinancing as quickly as possible because we do everything right here locally. We don’t have to wait for anyone else’s approval, because we take care of it all here in our Plymouth location.

Academy Mortgage is known for our efficiency in handling mortgage refinancing, as well as new home loans. It’s our reputation that keeps our customers coming back and gets us new ones every day.

If you want to find out if now is the right time for mortgage refinancing for you, call to make an appointment with the experienced team at Academy Mortgage.

First-Time Homebuyer Loans

Buying your first home is exciting, but it can also be a little nerve-racking. Because it can be difficult to raise the necessary funding, Academy Mortgage wants to help you with first-time homebuyer loans.

The hardest part about being a first-time homebuyer is arguably the down payment. Home prices have climbed steadily over the years, and except for a drop in 2011, just keep rising. First-time homebuyers are generally younger people in their 20s and 30s, and today, this is the same demographic that is saddled with crippling student loan debt. This makes it extra hard to scrape together the money needed for a down payment on a home.

While the average home price in Plymouth is $100,000 less than in Ann Arbor ($365,000), it can still be hard to save the down payment while paying living expenses and debts.

That’s why Academy Mortgage wants to help you with a first-time homebuyer loan.

Luckily, there are a number of options for first-time homebuyers who need a little help getting started.

First-Time Homebuyer Loan Options

The first and probably the most well-known option is an FHA loan. If you have been denied other types of home loans because your credit score isn’t high enough, you may qualify for an FHA loan. Plus, with these loans, you only need to put 3.5% down.

Another type of loan that can help first-time borrowers is a USDA loan. You don’t need any down payment with this loan, but you must buy a home in a government-designated rural area.

Veterans and the widows of veterans are also eligible for VA loans with no-down-payment.

Beyond these, there are a number of programs that offer assistance of varying kinds to first-time homebuyers. So even if you think you can’t afford a home right now, come in and talk to the mortgage lenders at Academy Mortgage. We may be able to help you get into your first home. And even if it isn’t feasible today, we can let you know what steps you need to take to get ready to buy your first home.

Academy Mortgage Can Help

First-time homebuyers love Academy Mortgage because our loan officers are so friendly and accessible. Plus, Academy Mortgage is part of one of the biggest mortgage lenders in the country, so we can offer you great mortgage solutions at competitive rates.

At the same time, at our local chapter in Plymouth, we have the time to go over your finances with you line by line to ensure that we have looked at everything, working together to find a way to help you succeed with a plan, even if the plan takes a couple of months to come fruition. We don’t give up on you!

Make an appointment today to come into Academy Mortgage to find out how you can qualify for a first-time homebuyer loan.