James Nesbit

Branch Manager, Producing
NMLS # 205930
State Lic WA #MLO-205930
2016114_james_nesbit_James Nesbit Head Shot
James Nesbit started his career in 1997 and is recognized as a top performer, both as a Mortgage Loan Officer and as a Producing Branch Manager throughout the country. His experience has provided him with the tools to help serve his customers in finding the right loan product and programs that fit their needs now and over time.

James is extremely passionate about helping people reach their financial goals. One of the most important keys to his success is the ability to balance family and business.

James enjoys his time at home with his wife and 3 children.

Your Home Value

Find out what your current home is worth.

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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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

Everything was very well communicated to us by James. James always returns calls promptly. Will do any future home purchase/refi with James

—Coleman Patrick

James Nesbitt was friendly, knowledgable, courteous, and efficient.

—Donald DeHan

I was a first time home buyer not knowing anything, and you guys helped explain and go into detail with everything to make sure I understood, and what would be best for me. So thank you for everything.

—Shaun Norton

James handled my case with extreme sensitivity. My previous mortgage guy had not handled my case well, and dropped the ball. James was able to work with him and close on our mortgage in a timely fashion. He was aware we were on a truncated timeline and was able to get the job done.

—Joseph Seymour

I tried to get a loan on my own. After two banks did not give me the results I was looking for I asked my realtor. My realtor referred me to Academy mortgage and I worked with James. He was more than helpful and help me get the loan I was looking for. James is in constant contact with me and and was very knowledgeable with every step. I'm glad to have my loan with Academy mortgage and I look forward to the next 30 years.

—Elizabeth McClees

James was fantastic from the first time I contacted him all the way to the end of the process and beyond. He responded very quickly to all emails and calls thereby making the entire process the easiest I have ever been through...and I have purchased many homes using many processors. I know next time...10 years from now...I will call James back and recommend his services to anyone I know who is thinking about purchasing a home.

—Michael Culley

Very easy and helpful I had no issues everything wen very smoothly if I have any friends looking for a home I would highly recommend james

—Keila Phillips

I had a great experience with Academy Mortgage in Tumwater. The were very efficient and polite. I am an out of area realtor and will definitely recommend them if I receive a client in their location again.

—Ashley Reilly

James went above and beyond helping us achieve our goal of purchasing our new home. He showed incredible patience with us while we struggled with the stress of the process. Everyone at the office was always friendly and responsive! We are so happy to have met James.

—David Perreira

Kept me and the client informed from beginning to end. Handled opportunities and returned calls quickly. Great experience!!

—Ron Stine

Our experience was flawless. We would definitely use your service again.

—John Simmons

While Academy Mortgage was not our first choice, based on our recent experience they were exceptional and Academy will be our go to mortgage company for any future real estate transactions.

—Douglas McCudden

I feel completely secure with my transaction once James approves my clients. I know that he will gets it done and my client will be 100% satisfied

—Mate Hollos

We were very pleased with our entire experience with James Nesbit and his team at Academy Mortgage. The entire process from our first phone contact to closing went much easier and with less of the stress normally involved in obtaining a mortgage loan. This was our third mortgage process we have been through and was by far the smoothest. We initially were planning to use USAA for our mortgage but our realtor Francine Viola of CB Olympia suggested we give Academy Mortgage an opportunity to earn our business. After talking with James we were impressed with his genuine concern to get us the best rate and loan available. So the decision to use Academy Mortgage for our loan was easy. We were out of state for most of the mortgage process and through closing and we thought we would encounter some hiccups and other issues along the way. We were wrong, James and Steph made sure we were always moving forward and kept us informed along the way. James explained each step and made it easy to understand our options and process. We even were able to close a week early and are excited with our move from Hawaii to Washington to a great home. We would recommend to everyone to give James and his team at Academy Mortgage an opportunity to earn your business.

—Edward Takushi

Jacob and Steph were wonderful and helped my wife and I in getting through this process. The entire team worked very efficiently and were very helpful in answering every question we had. Overall they are great people to work with.

—Adam DeWinne

We could not have asked for better customer service. James went above and beyond to see that we were able to get the home we had our hearts set on, the constant communication through the entire loan process was so helpful.

—Steve Seddon

James and Stefani were wonderful- they were very clear through the entire process. James gave us sets of numbers that never varied (beyond being better on our side of the contract!), was very thorough his in explanations of what was happening and what we needed to do to accomplish our mortgage goal. Throughout the process I felt like we were his most important customers.

—Thomas Martin

James was helpful and Stephanie was fantastic to work with. I will recommend the folks at this office to everyone I speak too. Thank you James and Stephanie!

—James Parnham

James was outstanding in every part of the loan process with us. Couldn't ask for a better person to have worked with!

—Sean Platner

We cannot think of a single thing James could have done differently to improve our satisfaction. His service, commitment, and dedication have made us life-long customers of James and Academy Mortgage.

—Ryan Layton

This is our second time working with James Nesbit! We were very pleased with our loan process and recommended him to our daughter and son-in-law, who are working with him now with their home mortgage!

—William & Kimberly Watson

Professional and friendly from the first time I contacted them. Quick to answer questions when I had them. Really made the whole loan process easy and headache free.

—Lyle Erwin

James was wonderful to work with. He was very helpful and was always available to answer our questions. James made our first home buying experience easy! I had my concerns purchasing a home from across the country but James worked together with our realtor and made it the easiest process. Thank you for all that you do!

—Brian Lee

James provided us thorough options available on loans. He continually provided updates and guidance. We are 100%+ SATISFIED with his STELLAR CUSTOMER SERVICE!

—William Toguchi

I appreciate the knowledge and on going communication, always keeping myself and my clients updated on the status of the transaction.

—Kathleen Miller

James did a really amazing job I will recommend him highly to all of my clients He is really awesome

—Karolyn James

We would definitely use Academy/James Nesbitt again

—Allen Taylor

It was wonderful! Great and friendly staff. Got me in my house sooner than expected

—Natalie Wrye

James & Steph were really on top of the whole process. I felt that my clients were truly in good hands and they were able to accomplish what the other lender couldn't do in half the time! VERY IMPRESSED! I highly recommend :)

—Karen Rosado

Living overseas the process of buying a house was extremely stressful. You guys were wonderful and helpful. Thank you for all of your help.

—Roger Dover

James and the staff at Academy Mortgage were such a pleasure to work with. James took time to answer all our questions and made sure we understood all our options. He went above and beyond to make the home buying process go very smoothly for us. We look forward to working with him again in the future and will recommend him to our friends and family.

—Matthew Janes

I know that when James is handling a loan, I know I won't have any worries!

—Francine Viola

James made the process painless!

—Stephen Martin

James and the Academy Mortgage team exceeded our expectations by guiding us through a tricky home financing opportunity. James did all he could to make the financing experience 100% positive, despite a challenging underwriting process as a self employed buyer. James took ownership of each step in the process and never pushed the responsibility for complex paperwork and documentation back to us.

—Justin Erickson