Angela Rugado

Loan Officer
NMLS # 1413149
State Lic CA #CA-DBO1413149
20161019_angela_rugado_Angela Rugado 150P


3224 McHenry Ave
Suite C & F
Modesto, CA 95350
Mobile: (209) 206-6834
Direct: (209) 809-2329
Fax number: (209) 342-6818

It’s all about service at Academy Mortgage, and our company has been meeting the needs of homebuyers across the United States since 1988. I joined Academy because of its strong reputation for integrity—based mortgage lending, its unwavering commitment to responsible lending practices, and for its broad portfolio of mortgage solutions and tools.

Since joining Academy, I have helped many individuals and families attain the dream of homeownership. Whether you want to buy a new home or refinance an existing mortgage, I will provide a customized solution for you at competitive rates. No brokering, no middleman, no hassle, no surprises.

Academy is a direct lender, which means that my Branch and Regional Offices are equipped to complete the entire loan process in—house—all loan processing, underwriting, closings, and funding are handled locally. As a result, we have a proven track record of closing loans as quickly and efficiently as possible

I will be in control of your loan file from start to finish, and I will be up—to—date on the status of your loan at all times. I understand the importance of maintaining continuous communication throughout the loan process and commit to providing you accurate, timely, and honest mortgage advice.

I invite you to put us to the test. Let me show you how simple and easy securing a mortgage can be.

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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Buying my first home was a lot easier then expected. I was really nervous starting the process especially hearing from other home owners about the headaches they had(not going through Academy Mortgage). It started just as curiosity if I qualified but soon Angela at Academy Mortgage was able to get the ball rolling instantly. The whole process to me was exciting and fun, any questions or confusion I or my wife had was instantly answered. I also like the video showing your status explaining in detail were you are at during the process. I highly recommend Academy Mortgage and Angela Rugado.

—Buyer/Ulysses Chavez