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.

Heather Livingston

Loan Officer
NMLS # 204763
State Lic SC #MLO - 204763
20141020_heather_livingston_small 2 updated me


700 Huger Street
Suite 101
Columbia, SC 29201
Branch: (803) 360-5934

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.

Print page

Great Service Would Recommend any time.

—Al Haynes

Heather and Darlene has been really great, always willing and able to help when I had question.

—Karen Boyer

Heather is very knowable and will work her hardest to help get the house of your dreams. She is a blessing and I will only use her expertise for now on. Thank you Heather your a blessing

—Lindsay Spatola

This was a wonderful experience and process working with Heather was a excellent, I would love to work with her in the future.

—Shequilla Davis

Great experience with everyone involved. Big thanks to heather Livingston. She was great.

—Brandi Nye

Professionalism at it finest

—Dennis Bostic

Great experience

—Larry Outing

Heather and her team was wonderful. I really appreciated their updates and always being there for my clients and for any questions I may have. I have a loan officer currently that I use for most of my clients but I will start sharing those referrals with Heather. Great job Heather!

—Minnie Campolong

Heather was very helpful....she asked all my questions and was very patient with me..I have no complaints about her....But your program needs some work....


I enjoyed working with Academy Mortgage. They accommodated my children during office visits. Heather was very responsive and informed.

—Lauren Jones

Everything was wonderful

—Justin Allen rhodehamel

Heather and Darlene were a great team. I frequently received answers to questions promptly; sometimes even after the "standard" business hours, which was greatly appreciated.

—Jay Beneventano

They all took an interest in providing with the help I needed to make my transition possible.

—Sherald Johnson

Heather Livingston was great. She informed me of everything that I needed and made sure I had everything on time

—Sytira Coleman

Heather was great and worked with us against very difficult odds to get things done for us by the time we needed. Always available for questions.

—CaraLea Rhoads

Heather and her team was there to guide me through the loan process and was there to answer any questions that I had. Heather and the Academy Mortgage Team handled whatever problems that arrived in a timely manner. I would recommend.

—Carolene Barker

Heather Livingston was awesome. She walked us through the process step by step. She helped us understand the things we didn’t with ease. She was always there no matter when we called or what we needed. Overall this was a great experience and we will be recommending this company and Heather in the future.

—Robert Epps

Academy staff were professional, knowledgeable, resourceful and understanding. On a myriad of occasions, both the Loan Officer and Loan Processor spoke with me after regular business hours to provide clarification and guidance.

—David Kent

Academy did a great job! I am impressed with the level of perserverance on our behalf as a client from start to finish. We could tell she worked hard on our behalf as well as others at Academy. Also I always felt comfortable when I entered the office or interacted over the phone. I love the dedication, we are delighted! We would highly recommend Academy to others!

—Caroline Jenkins


Watch these videos to learn more about your loan.

Can You Relate? Celebrate the Downsize

Can You Relate? Celebrate the Downsize


Renovation Loans


Welcome to Academy Mortgage