Cornerstones of Success

When it comes to helping individuals and families achieve successful homeownership, Academy is 1st CHOICE. For over 30 years, we have delivered exceptional mortgage service, in-house loan fulfillment, a broad portfolio of products and tools, and integrity-based mortgage banking.

Billy Nathaniel

Senior Loan Officer
NMLS # 223892
State Lic CA #CA-DOC223892


3415 Brookside Road
Suite 200
Stockton, CA 95219
Mobile: (209) 915-3852
Branch: (209) 473-9277
Fax number: (888) 271-4239

Billy has been a leader in the mortgage industry since 1993. He has been a top-producing loan consultant, branch manager. He specializes in residential mortgage.

Considered a highly successful loan consultant, manager and entrepreneur in the industry, Billy's core value has always been to deliver high customer service with integrity at a competitive price.

He looks forward to assisting you with your mortgage needs. Please call him at (209)915-3852.

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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We are proud to be one of the top independent purchase lenders in the country. We achieved this distinction by continually providing exceptional customer service and by following responsible lending practices, especially in today's rapidly changing economy.

—Adam Kessler, CEO, Academy Mortgage


Watch these videos to learn more about your loan.

Fast Service

Can You Relate? Fast Service

How To Buy A House

How To Buy A House: What You Need To Do First

Performance - My Mortgage: Mobile App for Borrowers

Performance - My Mortgage: Mobile App for Borrowers