Clay Cummings

Branch Manager, Producing
NMLS # 874626
State Lic TX #874626, OK #MLO16458
2016718_clay_cummings_Family Photo

CONTACT INFORMATION

1401 Shoal Creek
Suite 285
Highland Village, TX 75077
Mobile: (940) 231-5676
Direct: (469) 322-2908
Welcome!

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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VIDEOS

Watch these videos to learn more about your loan.

Can You Relate? Celebrate the Downsize

Can You Relate? Celebrate the Downsize

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Renovation Loans

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Welcome to Academy Mortgage

We enjoyed working with Clay. Very diligent and answered our questions no matter how petty they were. We recommend Clay to all of our family and friends!

—Edward Rodriguez

Christen, Clay and Kim were beyond amazing!!! I could not have asked for a better group of folks to work with! Honesty and integrity to the max and I very much appreciate everything about them!!

—Haley Mariam

This was a challenging project and the lending team was able to keep me in the loop as the Realtor and did a great job with the issues that arose.

—Kim Mauldin

DON'T KNOW WHAT TO SAY YOU GUYS WERE PERFECT

—Bill Gravley

It took many months to get a house and they were all there for me. And did everything to help.

—Erica Villanova-Hill

We worked with Clay & Kristin Cummings, for the 2nd time, and both times they have gone above and beyond to make sure all of our needs are met, and in this case were able to expedite the closing date as requested. They are always so professional all the while making you feel very comfortable with the whole process. They are very good at what they do

—Taylor Mariam

Great customer services and regular transaction updates. Clay ALWAYS answers his phone and is kind and courteous.

—Laura Nelson - Realtor

Great people!

—Ezio Leite

Simple and easy process. First time buyer and everything was made as easy as can be

—Candie Houghton

This was the best experience I have every went through. I know a lot of friends & family that have had nightmare problems. I am happy to say, we did not have any problems.

—Pete & Pam Quast

—Rodney Conant

They made it fast, easy, and painless.

—Chelsea Smith

Very organized and you can tell everyone works well as a team. Clay knows his stuff and is an excellent loan officer.

—Sarah Paty

Smooth transaction from start to finish.

—Josh Harris

I only had personal contact with Clay and Christen during my loan process and was extremely satisfied with all they did and in the timely matter they handled all my needs. I will definitely be recommending to anyone I know that needs home financing to seriously consider Academy Mortgage and to ask for Clay. Thank you again for all the help you gave.

—Nita McGallion

The Cummings team is a group of rock stars. They know their jobs, truly have your best interest at heart, and treat you like family. Love these guys.

—Charles Benson

I’ve often heard “horror” stories about buying a home. I can honestly say this process was very easy, the app was easy to use and upload my documents.

—JoLayne Bourque

Clay, Christen, Kim & Jennifer are by far the best team! I would recommend them to any and everyone! I really appreciate the gentle kind and honest nature of them and I am glad I have them on my Team. I personally would not ever use another Lender when it comes to my personal business.

—Haley Mariam

Great company to work with. Very professional and thorough

—Daniel Stanley Larke

My experience with Academy Mortgage was exceptional. The whole process brought very little stress upon myself as opposed to the horror stories I hear about other people's home buying experience. The staff are very friendly, informative, prompt, and are willing to speak with you anytime regarding questions/concerns during the process.

—Dustin Billiot

Clay Cummings and his team are awesome!

—Thomas Dunham

Overall it was a very easy process. For a business owner, I was expecting a lot more paperwork and requests for additional info., so I was very satisfied that it was not intrusive.

—Erick Barnett

Both my Loan Officer and his Data Processor exceeded expectations in every way. I could not have had a better experience.

—Oscar Richard

The Cummings team is incredible. They are hard working and helped us through the loan process seamlessly. They are the absolute best!

—Stephanie Chavez

Clay with Academy Mortgage was phenomenal to work with. From the first conversation all the way through closing, he was extremely responsive (with all communication-text, phone, email, etc.). We worked on various housing deals/numbers for 5 months. His patience and helpfulness never waivered. We couldn't have asked for better support! We would recommend him to anyone! Thank you, Clay!

—Chris & Stephanie Brown

Very organized and you can tell everyone works well as a team. Clay knows his stuff and is an excellent loan officer.

—Sarah Paty

Give Clay a Raise!! Excellent Customer Service and always quick to respond!

—Luke Harrison - Realtor

Clay and christen Cummings took excellent care of us. They led us thru every step of the process with efficiency and in a pleasant manner. We will definitely refer Academy Mortgage to our friend and family. We will also contact Academy Mortgage for any future mortgage needs if our own.

—Jamie Gibbs

I would recommend Clay Cummings to everyone. He went above and beyond. He and Christen Cummings (Processor) were amazing. I can't express in enough words how awesome these two individuals are at their job.

—Lara McCoy

Clay was very professional, friendly and helpful. It was very clear all through the process what he would do and what would be expected from me. He always kept me updated timely and answered any questions I had. He was a pleasure to work with and he was very trustworthy!!

—Karla Crowder

It was a great loan experience. I appreciate all the work Clay and his team did on my behalf.

—Wesley Patteson

I had talked with 2 or 3 other lenders before thankfully finding Clay. I was so impressed with his professionalism and his true sense of compassion for my husband and I. He answered phone calls and emails at all times of the days, even on weekends and they were always immediate responses. He never got tired of answering questions. He just went over and beyond in everything and always worked overtime to get any problems fixed while trying to get the process complete. I am so thankful for Clay and the whole team at Academy Mortgage!

—Chelsea Owens

Everyone from Academy went above and beyond what I expected. I had heard how frustrating the loan process can be from friends who used other lenders but your team made it so easy.

—Christine Reese

Everything went smoothly and accurate. 100% customer satisfaction.

—Fahed Arzouni

Great people to work with, helpful and answered every question I had.

—Brady Williams

Great company to work with. Very professional and thorough

—Daniel Stanley Larke

Clay was always available to answer questions or concerns.

—Jared Ingram

Everyone that I worked with were fast, efficient and very very knowledgeable. The process had a few hitches but there was never any set backs or delays

—Dana Waters

This was our first house and dealing with Clay and his team was absolutely amazing!

—Christopher Bouley

Clay was a great asset to my home buying experience! Definitely glad to have him on my team!!

—Michael McIntyre, Realtor

Everyone was absolutely wonderful, informative and knowledgeable about the process

—Selethia Bogar

Star Rating Response: 5 1st Choice Question: Yes How they found Academy: Realtor:Yes/Web:/Word of Mouth:/Social Media: How likely to Recommend: 10 Testimonial: Clay Cummings helped us complete a challenging process with record timing and ease. I appreciate his professionalism and ingenuity. Permission to Use Testimonial: Yes

—Patricia Harrison

It was a great loan experience. I appreciate all the work Clay and his team did on my behalf.

—Wesler Patteson

I truly feel that Clay and his team gave me their full attention during my home buying experience. They were always willing to answer my questions and very timely with there responses. I look forward to using Academy again.

—Blake Edwards

Clay and his team were awesome throughout the entire process

—Kenneth Bryant

Everyone was so patient and helpful every step of the way.

—Amanda Presley

We had a good experience---everything was handled quickly and easily!

—Patrice Odle

Clay is a really good employee he got me approved for the loan really quick and got the closing done even faster always answered my calls and questions i had y'all did a great job!

—Michael Smith

Very professional and very well at communicating

—Raul Perez

Clay did an amazing job

—Deanna Adamson

Even though I talked to multiple people at Academy everyone always was up to speed and always willing to help.

—Kimberly Holcombe

Positive experience, got everything done in a timely manner.

—Jordan Fulfer

Simple and easy process. First time buyer and everything was made as easy as can be

—Candie Houghton

I've never worked with a lender that was as involved as Clay was. I was highly impressed with his diligence and dedication to closing this deal.

—Kyle Sutton

Clay was a great person to work with. Fast answers and very proactive.

—Scott Ward

Academy was extremely professional and responsive through the entire process. We really enjoyed working with them to close our loan.

—Brandon Simpkins

The process was unbelievably easy. Clay and team helped me with my VA loan and quite honestly, there was very little work for me to do as his team handled just about every aspect of the process. Everything was very transparent and clay took the time to answer every single question that I had no matter how trivial the question was. I could not have asked for a better experience and I will recommend Academy Mortahe to all my friends and family. Well done

—Bryan Davis

Everyone was very thorough & explained everything to us.

—Jerry Roberts

It was a very pleasant experience with no worries and would recommend this service to first time home buyers!!

—Jeffrey Walker

Mr.Clay Cummings was clutch, he was open and honest every step of the way, We really appreciate his hard work getting us to closing and into our new home. Cannot say enough good things about Mr. Clay he's Top Notch.

—Robert Hicks

Clay went above and beyond to help us. We thought buying a home was going to be a tedious, stressful, hard road. Clay was so helpful and able to walk us through the entire process and answer each question/worry we had. Even late nights and weekends! The entire process from beginning to end was easy and a pleasure. If it weren't for Clay and his responsiveness and willingness to help, the process definitely would have been stressful and A LOT harder. We will definitely be recommending Academy and Clay to anyone and everyone for their mortgage needs! In fact, we already have!

—Donald Mullins

Clay Cummings was absolutely amazing during my entire first-time mortgage process. He was fast, efficient, and accessible without exception. He dealt with all issues in an organized and effective manner, and we strongly recommend him and Academy Mortgage.

—Isaac Chan

Clay Cummings and his team were excellent. He and his wife even worked on our loan during their vacation. The only thing that disappoints me is I dont have the money for them to finance us another home. I would recommend Clay and his team to everyone I know,or hear of anyone buying a home.

—Brad & Joyce Preston

Clay is fantastic!!! Bless his heart he answers my call day or night!! Always there when I need him and when my clients need him!! He oversees the entire transaction from beginning to end and that gives me such peace of mind and support!!

—Leah Atkinson-DeVries - Realtor

Clay Cummings and his team were very professional and quite competent in getting this loan closed in a tight time frame. Communication during the entire process was excellent. Would definitely use him again.

—Timothy Brown

Clay Cummings was amazing! He was pro-active, always responsive and available when had questions.

—Holly Haverkost

This was by far the best experience with a lender I have every had. We have bought a few different properties and the hassle was always with getting paperwork done. Clay Cummings and academy mortgage take all that hassle out of it. We were kept in the loop with every step and the app made things easy, being able to scan documents right into the app and to the loan officer. Overall 5 star service, will definitely recommend and use again. Thank you

—Levi Ellis

Working with Clay and his team was painless, I will definitely use them in the future.

—Dylan McGlothin

Clay has been great to work with. My last two deals with him went very smoothly. He will do whatever it takes to ensure customer satisfaction.

—Cathy Gilley - Realtor

My experience with Clay Cummings, Kristen Cummings and their staff was excellent. They were helpful when I had questions and very efficient.

—Linda Greenman

In my eyes I had challenged credit.....Clay and his team completely put me at ease and made the home buying experience so easy. I don't think there is a problem that they don't have experience on and cant handle. I was kept informed with the progress of the loan weekly and was able to close within 30 days. Academy Mortgage will be the only place I use in the future!

—Jessica Minner

Positive experience, got everything done in a timely manner.

—Jordan Fulfer

Academy Mortgage went the extra mile with my clients and were able to help them QUICKLY clear up some matters on their credit report and get them pre-qualified very quickly. They were extremely informative and very accessible. My clients were very impressed with their communication and felt like clients and not a loan number! Clay and Christen are a fantastic team and I highly recommend them working for you!

—Crystal Myers

Academy was extremely professional and responsive through the entire process. We really enjoyed working with them to close our loan.

—Brandon Simpkins

My experience with Academy Mortgage was exceptional. The whole process brought very little stress upon myself as opposed to the horror stories I hear about other people's home buying experience. The staff are very friendly, informative, prompt, and are willing to speak with you anytime regarding questions/concerns during the process.

—Dustin Billiot

The entire team were so wonderful!! I would use them over and over

—Lauren Stanley

Clay was a great person to work with. Fast answers and very proactive.

—Scott Ward

The total experience was amazing. We had a bad few months with the first mortgage company. When academy mortgage took over the process was such a surprise and much appreciated. Thank you and I will send all of our friends and family to you guys.

—Kevin Keck

Clay was great help and they seemed to have everything ready for us. It was a really easy time for us. Thank You very much .

—Donald R White

Everyone that I worked with were fast, efficient and very very knowledgeable. The process had a few hitches but there was never any set backs or delays

—Dana Waters

I had to ask to have rate decreased as market decreased and would have thought you would do that on our behalf. Also, appraiser did not do a good job and would not recommend him in the future. Overall, we were pleased with our experience.

—Adam Geerts

Everyome was very helpful, great attitude, easy to adjust and connect to you as a person in your own level of understanding.

—Bret Childs

Great to work with and kept me informed every step of the way.

—Clifton McAllister

Clay and team really put my mind at ease during the home buying process, calming my fears and being available when I had any questions or concerns. I will absolutely recommend Academy Mortgage to anyone that I hear of needing a mortgage lender.

—Sheila Frank

The progress bar showing the status of our loan never was updated to show we closed.

—Todd Holton

I truly feel that Clay and his team gave me their full attention during my home buying experience. They were always willing to answer my questions and very timely with there responses. I look forward to using Academy again.

—Blake Schwengler

Thank you so very much for all your help in securing our loan for our new home here in Fort Worth Texas. You were organized and thorough and professional as well as kind which made all the difference in our interaction with you. We put our trust in you and you most definitely came through for us. Thank you for your patience as well as treating us as people rather than just home loan customers. It has been a pleasure working with you . Sincerely George and Adiola Fraser.

—George Fraser

Always responsive in a timely manner. Thanks for your teams' hard work

—Brian Huls

Clay did a great job, he went above and beyond my expectations. I believe he really cared about my family's wellbeing and did his very best to ensure all of our needs were met.

—Donny Sikes

The Academy Mortgage team is great! They will do what it takes to get the job done! We highly recommend this group! Thanks for all of your hard work!

—Matthew Goswick

It was truly a great experience, easy for the client and easy for the agent.

—John Morrison - Realtor

I found the whole experience very smooth and an easy close.

—Janice Lanier - Realtor

Clay and Jennifer West were great to work with and prompt with everything!!

—Trina Glawson

The Cummings team is a group of rock stars. They know their jobs, truly have your best interest at heart, and treat you like family. Love these guys.

—Charles Benson

It was a great loan experience. I appreciate all the work Clay and his team did on my behalf.

—Wesley Patteson

Overall it was a very easy process. For a business owner, I was expecting a lot more paperwork and requests for additional info., so I was very satisfied that it was not intrusive.

—Erick Barnett

Everything was easy - they called when they needed something, they called. I've heard nightmares, but working with Academy made our buying experience great!

—Heather Cline

I will always go back to Clay Cummings for any other possible mortgages in the future. I will absolutely recommend Academy Mortgage and Clay to anyone who asks.

—Joseph Varner

We will recommend you guys again. Funding at closing was awesome since we closed so late on a Friday. Buyer got keys in less than an hour after they signed. Way to go, very impressive.

—Amy Chance

Clay and Christen were both terrific from start to finish. They kept me and my client updated with emails and calls.

—Rodney Gipson

Clay from Academy was brought in to give us a second chance on a mortgage after another bank dropped out. He worked hard to make sure that we got our place quickly and the whole process was so much easier than it was with the first bank. I would recommend Clay and Academy to anyone I know that is needing a loan.

—Jordan Canfield

Everyone was very thorough & explained everything to us.

—Jerry Roberts

Clay is the type of loan originator I look for to recommend to my clients. He will go above and beyond to make things happen.

—Steven Sovereign

People were fine, professional & courtesy. But Fax docs landing in e-environment, the privacy e-sign software was not user friendly, couldn't find doc to print, couldn't correct or make changes. That whole part was very uncomfortable. I signed doc that had bad info on them. Against my better judgement. Please work out bugs to system.

—John DeMay

Clay and Christen were amazing. They always kept me informed via text, email and calling if necessary. After three attempts at buying and falling through due to sellers; we never felt like they gave up hope like we did. Extremely supportive and would highly recommend them to everyone I know. Thanks so much for making us feel like family.

—Hannon Hickman

Christen and Clay were amazing! We had a great experience with Academy! They worked with us even while on vacation. I will for sure use them again in the future.

—Jeffrey MeGown