Debbie Echols

Branch Manager, Producing
NMLS # 191154
State Lic AL #51425


931 Sharit Avenue
Suite 213
Gardendale, AL 35071
Mobile: (205) 706-4316
Branch: (205) 332-8838
Fax number: (205) 718-7029

It’s all about service at Academy Mortgage, and our company has been meeting the needs of home-buyers 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 home-ownership. 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.

Print page

Academy Mortgage has been a pleasure to work with over the past year since the opening of the Birmingham branch. While I have done several loans with Debbie Echols, the other loan officers are always available to the agents in our Company when a new client is needing assistance. I am proud to recommend Academy Mortgage to my buyers as they always strive to make the home lending process seamless from beginning to end.


The academy team was exceptional - everyone we talked with was great!!!

—James Howell

I had a great experience with Debbie Echols and her team.

—JoAnn Bradberry

No suggestions - everyone we dealt with was superb!!!

—Mary Howell

Wonderful people to work with!

—Joshua r martin

Love working with Debbie!

—Carol Milster

Debbie and the staff at academy mortgage are excellent!

—Robbee E. Woodard

Debbie Echols is the best! Very professional with a personal touch!

—Kathy Watts

We had a Great experience, as I expected. That's why I keep sending buyers to Debbie.

—Anita Woods

Debbie was amazing though the whole process and was available when I had questions during the whole process,

—Angela Ray

I thought the whole crew was wonderful and very helpful

—Doris Gill

Very easy and they take the stress at of getting home loan and nice having them look after me through the process. I know i can call me still if i have concerns or questions

—Ronald Johnson

I will choose Academy every time! Debbie and staff were very helpful and determined to see us succeed!

—Amanda Standridge

Everyone was pleasant and delightful to deal with. My wife and I had a very positive experience and as first time home buyers, I felt like Debbie did a wonderful job of guiding us through the process.

—Chad Logan

The only problem i had was a lady named Paige would send a email and that was it . She never called unless i called her or if i text her she might text back or email me. I don’t check my email every day so if it was not for the insurance company calling about going ahead and getting it that Paige had email them then i would have not known when to have the insurance activated

—Jeremy Bolton

I love the fact that Debbie takes time to meet with my clients in person. I think in today's fast pace market that is a lost art and one that I believe is the Best way to earn referral business for the current customer and in the future will repeat.

—Peggy Lucas

Everything was wonderful from start to finish !!!!! Debbie and her team did a GREAT JOB!!!!!!!!!!!!!!!!!!!!!!!!

—Cecil Cox

Debbie was amazing! She went above and beyond what we expected. She is friendly, efficient, and overall made our experience easy and quick!

—Lori Harrison

Straight forward, fast nice closers, underwriter and processor.

—Cheryl Ward


—Casie McAnnally

Debbie Echols is a rockstar. She puts her clients first and works harder than anyone we have met. We could not be happier with Debbie. This was our second loan with her and we will definitely use her on any future!

—Marianne White

The experience was fantastic and very quick. The staff was very easy to work with.

—Willard Pettit

Debbie and Paige caused everything to flow smoothly through your fine system. I really like how we were made aware of each step along the way. Everything was explained clearly and thoroughly.

—Robert Short

Debbie took time to explain everything to us (first time home buyers) and went through every step we would take and what we would need to do at each turn.

—Halie Anne Logan

—Blake Rasbury

Me and my boyfriend used Debbie Echols and she was absolutely amazing. We were first time home buyers. The process was fast and efficient . She sat down with us to go over how everything worked. I've been in a situation awhile back with another lender and my experience was awful, but going with Academy Mortgage and having Debby and Paige help me through the process has been amazing. I wanna thank you both so very much!!! I have already recommended you both already!

—Sarah Lippeatt

I feel like Debbie Echols went above and beyond on making sure loan was closed ASAP

—Brandi Franklin

Debbie was great to work with! Due to the nature of our loan, we knew it would take awhile to get everything together, and she was great about getting back with us via email, text or call whenever we had a question!

—Victoria Moore

Everyone I worked with for my loan were exceptionally helpful and knowledgeable.

—Stephanie Muir