Andy Nazarey

Mortgage Loan Officer
NMLS # 184443
State Lic VT #VT184443
I have been involved in mortgage lending for over 25 years. My experience in the different facets of this business (loan origination, processing, underwriting, closing, secondary marketing) has given me a depth of understanding which I have developed into the highest level of technical and operational expertise. I have the ability to “think outside the box,” and I will fully research unique scenarios to arrive at a financing solution. My borrowers and realtors appreciate the fact that I keep all parties well-informed at each step of the mortgage process. Communication and clarity are the bedrock of my business model. I treat all my borrowers like family, and I certainly honor the trust that my referral sources place in me. I look forward to working with you soon!

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.

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Watch these videos to learn more about your loan.

Can You Relate? Celebrate the Downsize

Can You Relate? Celebrate the Downsize


Renovation Loans


Welcome to Academy Mortgage

Andy was great to work with. He was very prompt getting back to us and knew all the answers. I highly recommend Andy!!!

—Courtney Cataldo

Great service, Andy was great and always got back to you when you had a question. Would recommend Academy Mortgage to everybody!

—Kristofer Robinson

Everyone I dealt with was very good to work with. The process can be very overwhelming but they made it much easier. The loan closed on the date it was initially set for. I am very happy with them.

—Sally Goodrich

Andy was great but Laurie his processor was wonderful !

—Kathleen Goff

Very professional, eager to assist, kept me informed

—David Kitchen

Andy Nazarey was incredible to work with. His level of expertise was exceptional and his ability to answer questions in a timely manner exceeded our expectations. Andy was always professional and put us at ease. Without any doubt Andy made purchasing our home an enjoyable process. We would of given him more then five stars if it was an option. We are so thankful he was part of our journey.

—Judith Donahue

Five Star Review!

—Karen Reid-Cleugh

Andy provides excellent service and keeps everyone informed with every detail and status of transaction. Its a blessing in our industry to be included in the process.

—Alison McCullough Real Estate

Andy and Laurie were fantastic and made this whole process seamless and minimally stressful. They always communicated as things were changing and happening and were efficient in every step of the process.

—Morganne FitzGerald

Everything and everyone was great. Awesome experience.

—Charles Bushey

Five Star Review!

—Charles Gardner

Academy Mortgage was able to provide a loan 1 month after I applied. I am very impressed with the speed and courtesy Andy provided.

—Christopher Merriam

Andy Nazarey was my loan officer and Mechelle LeClair was the loan processor, they BOTH took excellent care of me. They answered all of my questions and concerns timely and with great care and patience. In addition, when I started my loan process, Andy was just going out of the office on vacation but my inquiry was immediately picked up by Amy Rittgarn. She did so much work and got us rolling while Andy was out. They are all fantastic at what they do and provide outstanding customer service while doing it. Thank you!

—Tina Austin

Andy Nazarey was great from the very start. Financing can be a stressful experience but the folds at Academy made it much less so. Must be a Vermont Thing!

—Robert Lucchese

It was a smooth and seamless experience!!

—Angela Filion

Andy and Laurie were very helpful in this process. We had no issues and everything was done so quickly. I work for a financial institution and was nervous starting this process with an "outside" company. However I would high recommend Academy! I can't say enough kind things about how easy, and stress free this process was.

—Mackenzie Warner

Andy and Lisa helped us in every aspect along the way through our loan process. Very very helpful

—Brandon Bergeron

Andy and all those I had contact with were fantastic

—Paula Hernandez

Buying with Academy was very easy. The staff was friendly and knowledgeable. Couldn't have asked for a better experience.

—David Henry

Everyone at Academy Mortgage that I came into Contact with was extremely helpful and professional, and got our house to close quickly.

—Kristine Provencher

Pleasure to do business with!

—Michael A. Kelly

Everything went smoothly even with all the paperwork that was need and Andy was extremely helpful guiding us through the process.

—Peter McCormack

Andy was awesome, was always quick to respond on any questions.

—Chad Pulver

This was my first home buying experience and I had lots of questions about everything . Andy was very knowledgeable

—Edward Fox

Fast response and great communication...Andy Nazarey always delivers!

—Christopher Lawrence

Staff was very friendly and responsive when I called or emailed

—Michael Rogers

I was brought through the whole mortgage loan process step by step by Andy Nazarey and Laurie St. Gelais. The whole system was very user friendly especially the online document signing. The entire process seems to be set up for maximum efficiency. Thank you again Andy and Laurie!

—Thomas Eckrote

It was a really good experience. Loved the videos. Everything went real smooth.

—Chris Vermette

Helpful and Quick to respond!

—Terri DiMaggio

Everyone gave us way more help then needed. It worked out wonderful.

—Dylan Fowler

Andy took great care and time win working with Andrew and Judie Donahue - answering questions and ultimately fitting them into just the right loan program. And kept all parties informed throughout the process.

—Karen Heath

Andy and his team were awesome to work with. I always felt that I was their number 1 priority .

—Jason Rockwell