Andy Galloway

Senior Loan Officer
NMLS # 630950
State Lic MI #630950
Andy Galloway is a Mortgage Loan Officer serving Midland, Michigan.

He has been in the mortgage industry for over 23 years; helping people like you obtain their goal of sustainable homeownership. Andy truly understands that mortgages and lending can be unfamiliar territory for many.

Over the years he has had the opportunity of working with people who have a wide variety of situations and has helped them achieve their financing goals. Whether you are a first—time homebuyer, refinancing or buying your third investment property, Andy will guide you through the loan process seamlessly by providing quality communication and advice. Andy can provide a wide range of home loan options that makes the most sense for your situation.

What are the benefits of working with an Academy Mortgage Loan Officer? The thing that makes Academy so great to work with is that we are a direct lender. This means each branch and regional office is equipped to complete the entire loan process in—house. Andy will be in control of your loan file throughout the entire process. This system allows for continuous communication and has given us a proven track record of closing loans quickly and efficiently.

Download Andy’s My Mortgage: Mobile App today for a trusted mortgage calculator and his contact information.

Does it sound too good to be true? See Andy’s 5-star rating and reviews on Zillow

Andy offers Conventional, FHA, VA, USDA, MSHDA, or down payment assistance loans servicing the Tri-City area and beyond including Bay City, Saginaw, Farmington Hills, Royal Oak, Gross Pointe, Bloomfield Hills, Troy, Traverse City and Lansing.

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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Andy Galloway was professional, communicative, and did not over promise, we had a very fast closing.


Andy Galloway made the loan process easy. He kept me informed well of what was going on, and what was needed to keep the process moving forward. I was very happy with how fast the process moved along.

—Jordan Williamson

Andy was very responsive to my emails and questions and available whenever needed. Made the process very easy to move through.

—Scott Kenneth Ritter

Andy helped my buyers immensely, was thorough and prompt in getting matters handled. He's definitely my number one mortgage referral moving forward. He made it a seamless process for the buyers and kept me in the loop the entire time. Fantastic!

—Alicia VanZile Kuzel

The electronic signing did not work

—Gavin Green

Andy Galloway was great to work with

—Cheryl Huber

Andy Galloway provides top notch service & under promises and over delivers. He had the clear to close in about a week, amazing! Everything went smooth as silk, and i could just sit back and enjoy the process, a rarity in my position. Kudos!

—Rick Loose

Andy Galloway walked us through the entire process, making himself available for any question or concern that we had. He was extremely courteous and prompt with any communication. The whole process was extremely easy to go through.

—Timothy Heires

It was very quick and professional.

—Katie Ann Norris

Awesome and very customer focused/oriented. You can tell from your first contact that they are all about getting the job done and doing it the right way! Andy was fantastic to work with and very communicative at every step in the process.

—Nathan Swailes

Andy and his team made the whole process a painless, hassle-free experience that I have not had in any mortgage experience before. I would highly recommend Academy to anyone applying for a mortgage.

—Raymond Emond

Andy made the experience quick and he was very professional.

—Katie Ann Norris

Andy Galloway - Came to him on a recommendation. My bank wouldn't handle two primary mortgages so he was able to look at my income and debt/income rations and tell me what was needed for me to get approval for a mortgage. his information was spot on and the smoothest of 4 closings ive ever had. Will use again as I flip homes.

—Joseph Weckesser