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.

Char Golay

Branch Manager, Producing
NMLS # 236198
State Lic UT #5492771, NV #48555
201526_char_golay_Char Golay (2)
I have been in the business of mortgage banking for 30 years. I have been a Corporate trainer and a Branch Manager during my 30 years.

My Number one goal is to help people get into a home. I know how to help with credit repair so people can get into a home. I also know how to work with people to get them the kind of a loan that works best for them. Most people comment on personal, professional service,the speed in which we can close a loan, and how efficient we are at getting them into the home of their dreams.

I have a lot of borrowers who continually come back to me because of the service we give.

I Love living in Utah where I can take advantage of the great outdoors and hike the beautiful mountains that surround me.

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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The experience was great. Char Golay was our loan officer and she has been working with me for several years as we have been looking at different options. She was never angry when things didn't work out and stayed in touch with me for many months until the right thing came along. I appreciated her assistance and responsiveness. It was clear she wanted and valued our business and would have been very difficult to move it somewhere else because of the investments she made in us. Thanks Char!

—Scott Sperry


Watch these videos to learn more about your loan.

Can You Relate? Celebrate the Downsize

Can You Relate? Celebrate the Downsize


Renovation Loans


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