Allison Carroll

Loan Officer
NMLS # 248573
State Lic CA #CA-DOC248573


102 Grove Avenue
Suite A
Oakdale, CA 95361
Mobile: (209) 505-0993
Direct: (209) 848-8130

Every day, I strive to help my clients and their families achieve their personal and financial goals through quality home loans.

Allison Carroll has been a loan officer since 2006, specializing in Conventional, FHA, and VA purchases and refinances of primary residences, second homes, and investment property in the Modesto and Oakdale areas. She works with her clients diligently though the loan process; from pre-approval through closing, Allison keeps clients informed and provides excellent customer service. She focuses on her clients' short and long-term goals to ensure that the loan they choose will help them accomplish those goals.

Allison Carroll has chosen to work with Academy Mortgage Corporation because of its focus on client satisfaction. Academy is a direct lender, which means that processing, underwriting, funding, and closing are done right in the Modesto office. When you work with Allison, you have the assurance of knowing that she and her team have the common goal of helping you attain your goals.
Contact Allison today at 209.505.0993 or
What will Allison need to approve my loan?
Here is a list of documentation Allison may need to approve your loan.
2 years Federal Tax Returns, all pages
If you are a W2 employee:
Most recent 2 years W2s
Most recent pay stubs covering a 30 day period
If you are self-employed:
2 years 1099s
Year-to-date Profit & Loss
If you are retired:
Retirement statement/award letter
Social security benefit letter
If you own 25+% of any corporation:
2 years Corporate Federal Tax Returns
If you have rental income:
Real estate schedule: property value, loan amount, payments, rent received
Copy of all leases
Rent roll
If you receive child support:
Proof of receipt continuing 3 years after the close of escrow
2 months bank statements, all pages (even if blank)
2 months statements on any retirement account, 401k, and stocks, all pages
Gift letter if down payment will be gift funds (documented, please ask Allison for details)
Residency history for 2 years
If you are currently renting:
Contact information for your current landlord
We may need 12 mo. cancelled rent checks
If you own your home:
Current mortgage statement, if applicable
Social Security Card
Driver License or Valid Photo I.D.
Divorce Decree
Bankruptcy Paperwork
Homeowners' Insurance Information
DD214, Certificate of Eligibility (VA)
Property Tax Bills, Mortgage Statements, and Hazard Insurance Information on all properties owned

Home Mortgage Tools

How much will my fixed rate mortgage payment be?

This calculator computes the payments (principal and interest), based on home price, down payment, and other factors.

How much mortgage might I qualify for?

This calculator computes the finance amount, based on income, expenses, credit rating, and other factors.

How much home can I afford?

This calculator computes the most expensive house you can buy, based on the highest payment you can afford.

How much will I save by increasing my mortgage payment?

Increasing your payment will reduce the principal on your mortgage, the total amount of interest you’ll pay, and the number of payments.

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It is always reassuring to work with Allison.. I have complete confidence in her ability to truly pre-approve a client. She has always closed the loans...


Allison is the consummate professional. She is always prompt, available, and extremely knowledgeable in the complex world of lending. I would recommend her services to anyone that wants excellence!


Allison Carroll is the finest professional we have ever worked with. She is knowledgeable, accurate and has a passion for her work. Her goal is to provide the best service possible to her clients. Don't ever lose her as loan officer as she is the best in the business!


Allison, Kelly, and Nancy were great to work with. They had the answers to any question I had, and were always on top of everything. The ball was not dropped a single time.


Allison and the Academy Mortgage team earned my trust. Following through on each item they said they would and the patience demonstrated along the way provided a sterling experience.


Allison did a great job communicating with me through the entire escrow process. She exceeded my expectations!!


Allison was a huge help each step along the way. She answered all my questions and concerns. I have heard of horror stories when buying a house but this was NOT the case with Allison. She made buying our home easy and made the process as least stressful as possible. I have full confidence in her and she has my trust. I have already began referring her to friends and coworkers who are looking into buying their own home.


From the moment I walked into the office I felt comfortable and welcomed. Allison's friendly manner and genuine desire to help me in understanding the loan process was a priority for her. She explained the process and would stop to make sure that I understood or had any questions. She assured me that I could contact her if I needed her to answer any further questions after leaving her office. I am happy to have worked with such a thoughtful and kind loan officer whose only thought was to help me get a house.


Allison is the most consistent loan officer I have ever dealt with. Her communication and straight forward talk are refreshingly different from the industry norm.


Allison Carroll's customers have commented on her wealth of knowledge and professional service she provides them and how she always calls them back.


My experiences have been all positive with Allison. I will continue to send clients her way.


Academy Mortgage has earned a reputation for being dependable. A pre-approval through Academy Mortgage is a good negotiating tool when acting as a Buyer's Agent as often I have found that the listing agents are familiar and comfortable with the reliability of both Academy Mortgage and its loan officers.


Academy is GREAT! Very proactive and reliable.


Allison really fought hard for us and she was very proactive in trying to get all the information the underwriters would require. Allison and the staff at Academy worked extremely hard to find the right loan for us. I would use Academy and particularly Allison's services again, in the future.


Allison was a blessing on our home buying experience,she was on top of any and all issues that came up. She got us the loan at the rate that we asked for.