Allison Carroll Schwartz

Loan Officer
NMLS # 248573
State Lic CA #CA-DOC248573
Allison_Carroll Schwartz_637062324488110284

Se habla español.

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

Allison Carroll Schwartz 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 Schwartz 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 doc prep 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

Your Home Value

Find out what your current home is worth.

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.

Print page

—Jennifer Fenton

Allison and her team are all amazing!

—Maggie Peitzmeier

Good experience as usual

—Jon L. Schneider

Allison was wonderful. We were working with a short time line and everything went smoothly. The whole team was awesome!

—Houkje Betty Kroeze Raven


Allison and Melissa were an absolute pleasure to go through this process with. My concerns and questions were alwsys addressed.

—Lenora Simoes

—Ryan Fenton

Aclararon nuestras dudas.

—Rosina Vargas

Everything went smoothly. Their involvement in this process was very important to me. In dealing work other lenders, they are not as hands on and willing to go above and beyond.

—Robert G Gray

—Brandon A Jenkins

—Chris Burns

—Marty Smith

—Brandon meier

Allison’s and Melissa were both great!!

—Sharon Cisneros

At first refinancing the house scared me, it is something I wasn't 100% sure about, when I first called to find out more info I didn't feel pressured, when I felt like I was ready (months later) you guys were there guiding us every step of the way letting us know how the process works and what to expect next.

—Edith Mabel Schneider

Allison and Melissa were both wonderful

—Laurence Cisneros

Great experience

—Joelle McChesney

—David Hohl

Excellent service and communication throughout the whole process

—Nicholas A Caton

I was a first time home buyer and working with academy mortgage made the whole experience great and took away a lot stress. I highly recommend academy mortgage the people here are terrific!!

—Christopher stief

Fueron muy amables.

—Jesus A Vargas

—Giselle Silva

It was very good experience i am happy with the process Melissa and Allison we're very help full

—Victor Garcia

I absolutely love the women at academy in Oakdale. They are extremely knowledgeable and helpful. Huge thanks go out to Allison Schwartz and Melissa Palmer, thank you for everything...

—Brandon Meszaros

Allison, Melissa and Cheryl were awesome! They kept in contact with me during the whole process and explained everything in detail

—Kellie Struz

From the beginning to the end, all staff members at Academy are outstanding and assisted me and my husband during the entire journey.

—Diana Lynn Valdez Lopez