Allison Carroll Schwartz

Certified Mortgage Advisor
NMLS # 248573
State Lic CA #CA-DOC248573
Allison_Carroll Schwartz_637472170712905719

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

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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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—Elizabeth Sundblom

Allison is the absolute best! Her and her team’s attention to every detail of the refinance process made for a stress free experience... and she saved us $840.00 a month on our mortgage payment!! Definitely life changing!

—Grace Luke

Everyone was very courtesy and helpful.

—Gerald Brockman

—Valerie Hannah

—Brenda DeGough

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

—Brenda Degough

This team has been exceptionally professional and is well experienced in their profession. Keep up the great work!

—Rocky Myers

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

—Houkje Betty Kroeze Raven

This is our second experience with Academy Mortgage. We really like all the ladies we have worked with : Allison, Melissa, and Cheryl. They are very informative and personable. I feel that working with them is very easy and they let you know what is happening with your loan along the way. It was very easy to refinance our home. Thanks everyone!

—Cynthia Valdiosera

—Patricia Dahl

Always an easy process with great communication throughout. Ha k you for the support!!

—Adam Broomhead

Seems like a lot of paperwork for a refi process. Other companies don't have as many requirements.

—Carla Lund

My experinece was great!! Just had a terrible experience with Mr. Cooper, and am SO glad to not have to deal with them any more. Thank you.

—Scott Decker

—maria elizabeth miranda

Good experience as usual

—Jon L. Schneider

—Brandon meier

Always an easy process with great communication throughout. Ha k you for the support!!

—Adam Broomhead

The loan was reasonable and the people who helped me very nice, willing to help on things I don't understand. The most important on my own language.

—Jesus A Vargas

It was a good experience working with Academy Mortgage on our home refi. They kept us well informed during the entire process and were always very professional and pleasant during all communications.

—Douglas Brown


This is the second time we’ve worked with Allison and her team. They are awesome to work with and I highly recommend them.

—David D Temple

First was Jesus and Marivel both were very patient with me and very professional period. Allison Abd her crew always keep me posted.

—John S Shehorn



The customer service we received from Allison and her team was beyond stellar! The professionalism, attention to detail, and the personal touch are just a few reason why we will always chose Allison

—Cherilyn Bairos

—Verdia Howard

My entire team was very helpful and took their time with me and all my concerns!


—Gerald Brockman

Allison’s and Melissa were both great!!

—Sharon Cisneros

—Ashley Marr

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

—Lenora Simoes

Alison was absolutely wonderful! She was very knowledgeable, professional, and such a pleasure to work with!

—Megan list

Very friendly, responsive and welcome/available for questions

—Brittany Elyssa Harker

—Ryan Fenton

—Brandon A Jenkins

—Sheryl Bartlett

The experience was seamless and we worked directly with Allison Schwartz and her team.

—Christopher Reed

Aclararon nuestras dudas.

—Rosina Vargas

Very helpful and always timely with communication!

—Travis Hill

Allison and her team were great, could not ask for more!

—Kristen Ernst

The process was easy and fast. Everyone is nice.

—Michael Rea

Allison Schwartz and her team are amazing. My refinance went quickly and smoothly. I love the new app too.

—Shonna Wilson

I had nothing but an amazing experience with everyone at the organization.

—Elizabeth Oliveira

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

—Kyle Brandt

It would be nice as interest rates drop to be able to be locked into a lower rate.

—Michael Lewis Platt

—Chris Burns

This is our second experience with Academy Mortgage. We really like all the ladies we have worked with : Allison, Melissa, and Cheryl. They are very informative and personable. I feel that working with them is very easy and they let you know what is happening with your loan along the way. It was very easy to refinance our home. Thanks everyone!

—Cynthia Valdiosera

—Jennifer Fenton

Awesome experience! Team Allison continues to impress us with their professionalism, communication and helpfulness. I highly recommend them!

—Vicky Temple

The team was amazing. Allison was also available by phone and willing to work with us. Melissa was awesome as well. She was always right there with an answer and got back to people immediately. A very personable team!

—Korinna Noordewier

—Marty Smith

Everyone was beyond helpful. They took us through every step of the way.

—Julianne Armas

—Jesus A Vargas

—Lisa Marie Evans

—Breanne Benedict

—Antonio muniz

Allison and her team are incredible. Easy to communicate with and responsive to any inquiries we had during the process. The App also made things a lot easier to navigate!

—Derek Hohenwarter

—Phillip Barnard

I have no suggestions to add because everything went quick and smooth and the team that I worked with was fantastic. This was the best experience with a mortgage company I have ever had

—dennis shafer

—Jesus A Vargas

—Gina Castillo

Allison Schwartz and Melisa Palmer were absolutely on point while we went through this process. It was much easier than we expected and couldn’t be happier with the outcome. We were also made aware if certain things were and were not to our advantage. Every question was answer when asked, emails were responded to quickly, phone calls were prompt and friendly. Our only complaint, if we really have to mention one...we should have refinanced with Academy much sooner! Thank you all again!

—Lynda Sloss

—craig arender

Allison and Melissa were both wonderful

—Laurence Cisneros

—Tyler Rollinson

—James M Palmer

I would do it all over again with Acadamy!

—Pamela Sue Werb

Tammy made our dreams a reality and kept us calm and confident throughout the entire process!

—Nicole archer

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

—Victor Garcia

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

—Kellie Struz

Everyone was great and pleasant to work with!

—Melissa Rishel

Our team was AMAZING as always Allison and Megan were on top of it and fought for us the whole way, as well as making our experience as Calm as possible which was hard as our buyers were a mess.

—Amy Jean Cueto

They were very friendly helpful thank you communicated with me on a daily basis and yes I would recommend them to my friends and family

—Tami Aguirre

—Breanne Benedict

—Dean Bartlett

No stress, smooth, and quick !

—Corissa Pitassi

Allison and Melissa will work hard to achieve the result we need. They keep us informed as the loan progresses and notify us quickly when something is needed from us. They are a team that we can always trust in.

—Pam Perryman

The experience from the start till the close was an easy and pleasant experience.

—Lisa A Grossman

They did a great job dealing with an interesting seller

—Jeremiah thornberry

Overall experience was good. Garrit McGuire helped me stay sane though the whole process, and atbthe end of it all Cherl, Mellisa, and Allison from oakdale closed the deal. That's all that really matters.

—Brock Joseph

Allison and her team are all amazing!

—Maggie Peitzmeier

—James Bradley Evans

—Rosina Vargas

We were very impressed with the professionalism of the staff at Academy Mortgage. They were very helpful and easy to work with.

—Marilyn R Brown

—Francesca Alesi oliver

Everyone was so helpful and knowledgeable. Allison Schwartz is a godsend!!! Thankyou so much!!!

—David Gregory List

Amazing simply amazing I don’t know what else to say besides the entire process was nothing less then perfect. I am a type of person that expects great communication, answers my questions when dealing with a 400k plus loan. They were organized which is another must for organization, communication and knowledgeable.

—Jesus felix

—David Hohl

—Breanne Benedict

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

—Phillip Barnard

—Brandon A Jenkins

I must say Allison has an amazing team. Melissa is truly the best. She goes above and beyond and is great to work with. I had a great experience with Melissa and appreciate all the hard work she did for us!

—Dawn Clark

—Janice muniz

—loretta tefertiller

Fueron muy amables.

—Jesus A Vargas

—Giselle Silva

Great experience

—Joelle McChesney

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

—Carl Rhine

My entire team was very helpful and took their time with me and all my concerns.


—Guadalupe A. Meza Garcia

The entire process is very well organized and the team communicated with us at each step. I felt that we were well supported and everything went smoothly.

—Charlene Broomhead

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

Easy & great communication throughout entire process.

—Kaci Hill