Carolyn Summerton

Loan Officer
NMLS # 182501
State Lic ID #MLO-12099
2018823_carolyn_summerton_White for Carilon

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.

Buying a home is all about finding that special place that's just right for you and your family, that place you've always hoped and dreamed about. My single purpose is to allow God to help me provide my clients with the financial freedom to live out all their hopes and dreams. With Academy Mortgage Corporation, I have the privilege of doing this kind of life-changing work day after day.

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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January 2018 Carolyn Summerton was an absolute pleasure to deal with you have a diamond associate. I felt like I was dealing with one of my own family members. Will be a friend for a long time. Thank you

—Michael Ellis

Carolyn Summerton was wonderful she was able to have my loan ready for me early and walked me through everything I could not of had a better experience.

—Sherry Deurloo

February 2018 Carolyn was so encouraging thru the entire lending process - I have no doubt she worked hard for us behind the scenes!!!

—Frank Wyant

Carolyn was great!

—Lindsey Smith

I have purchased 3 homes in the last 20 years or so and Academy was the best and easiest company I have ever worked with.

—Susan Bush

The loan experience was great. Our loan office Carolyn Summerton made my wife and I feen confident throughout the entire process. It’s slso worth noting that Carolyn was also straight forward and up front about the challenges as well as the possibilities that it may not work out. I can’t say enough about her honesty and genuine feedback.

—Gabriel Harry

The best in the industry!

—Kristina Hill