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.

Debbie Bowden

Senior Loan Officer
NMLS # 229951
State Lic ID #MLO-17564, UT #5488611
20171223_debbie_bowden_Debbie Bowden

I have been in the business since 1978. I have held many positions starting with processor, underwriter and as a Branch Manager for a leading mortgage lender for 15 years. I have the experience and the knowledge to structure your loan to best fit your financial needs.  I specialize in First Time Home Buyers and have been a top producer in the State with Utah Housing's first time homebuyer program.  I have knowledge in several other grant programs. 

I made the move to Academy as a loan officer to give me more time to do what I enjoy most which is originating loans and helping buyers realize their dream of homeownership. I chose to work with Academy Mortgage Corporation because I believe the company is positioned to offer you the widest range of products at the most competitive market rates along with the best service.

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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It was fun. Stressful but fun!

—Orsindoe Hernandez

Debbie Bowden was indispensable and was a pleasure to work with. My compliments on a job very very well done!

—Mark Rakes

I love working with Debbie. She is professional and caring. She always meets deadlines and is usually ahead of schedule. She has a great support team that is equally awesome. She keeps me and the buyers informed. If by chance Debbie is not available when I call, she always calls back. Debbie is awesome!!!

—Lurae Stanger

Debbie came through on a difficult transaction. Buyer is happy with the time frame. Thank you, Academy!!

—Lene Balster

I am always able to reach Debbie, even on weekends if I have a question.

—Jackie Summers

Debbie was amazing!!!! She was very professional and very courteous!!! She was so great to work with! Will be back again.

—Daniel Campelo

Debbie Bowden did a amazing job in answering all questions that I brought up. I had a great experience with academy and have already referred people. Defiantly five stars.

—Bryson Church

Everything was great! you worked really fast for me, it was stressful at times for me, but that's part of the buying process. Academy Mortgage has great customer service, they try to get you in and out as fast as possible, so you can get into your new home fast. They answer any questions that you may have. They work hard for you.

—Rachael Kap

Debbie Bowden is always on top of everything. As a realtor, she keeps me in the loop with all the information I need to help my clients have a successful closing without any last minute surprises. Debbie Bowden is always knowledgable about any loan information that my clients may need.

—Joe Trillo

We were referred to Debbie Bowden by my mother. She did more for is than any other loan officer would have. I would refer her to any looking to purchase a home or refinance. Without her doing ALL of the leg work for us we never would have been able to build a home so soon.

—Christopher Allen

I send my clients to Debbie because of her many years of experience. She thorough and wonderful to me and my clients.

—Sandy Seifert

Debbie treats everyone with respect and as if they are the most important client. Debbie is professional and so is her team. I know they will never drop the ball and closings will be smooth. It takes a worry off me to know they are taking care of my clients.

—Lurae Stanger

We knew Debbie would take care of us in a timely and professional manner in which she did exactly as expected. We will recommend Debbie to anyone looking for financing in the future because we know she will make the lending experience as worry free as possible.

—Lance Moyes

This has been a great experience working with Debbie Bowden again. I am a out of sight, out of mind person so just working with her again reminded me of what great service she gives.

—Trudy Hill

Just a great company to work with. Debbie Bowden made the process smooth and easy. Questions were answered quickly and we were ready to close early. We couldn't have asked for a better experience.

—Michael Keeney

Debbie did a great job explaining the process to a first time home buyer who was nervous and difficult to work with.


I am very satisfied with the service I received. Debbie was great to work with and I would recommend her to anyone.

—Eric Gil

Very knowledgeable, competent and competitive with what is going on in the market. Provide excellent customer service. Go beyond servicing the client.


I won't sugar coat this... . I'm not loyal to any bank or Mortgage company. What I am loyal to is DEBBIE BOWDEN, she is the Queen of loans. When she approves a client, my worries are put to the sidelines


I am always able to reach Debbie, even on weekends if I have a question.

—Jackie Summers

Gets the job done with no complications and communicates very very well and answers there phone or returns calls in a timely manner.

—Adam Boswell

All the parties involved were very professional and made it easy to be able to communicate with about any of my concerns. I appreciate your expertise and help that I received.

—Esther Martinez

Debbie treats everyone with respect and as if they are the most important client. Debbie is professional and so is her team. I know they will never drop the ball and closings will be smooth. It takes a worry off me to know they are taking care of my clients.

—Lurae Stanger

Debbie and her team were east to work with. They always had answers and were wiling to do what was needed to get the job done. Even the short little videos explaining the steps were fun for the buyers and even me. Thank you for the awesome job you all did!

—Jordan Rigtrup

It was a great experience the agents go out of their way to continue the process even they're on vacation or family gatherings I love their commitment thank you so much

—Pedro DeLeon

Everybody was always happy and helpful. I never felt like they just wanted my business or money. They had what was best for my family and I at the top of the list.

—Mathew Bryson

Goes above and beyond expectations. Adapts to clients needs and time schedule.

—Claudia Hernandez

I had a wonderful experience with Debbie. I noticed she worked on my mortgage on the weekends in order to get done asap. She is awesome!!!! Very pleasant!!!

—Shanna Stitt

I wouldn't use any other mortgage company or loan officer...Debbie bent over backward to help us achieve our goals and was instantly responsive to our every need. I am a customer for life.

—Ryan Harris


Watch these videos to learn more about your loan.

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Can You Relate? Celebrate the Downsize


Renovation Loans


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