Janey Howell

Loan Officer
NMLS # 413650
State Lic WA #MLO-413650
2018226_janey_howell_Janey Howell_headshot_Lg

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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As always, Janey Howell is professional, friendly and efficient. She's easy to work with.

—Ana Martin

I thoroughly enjoyed working with Janey Howell - she is friendly, supportive and knowledgeable. The mortgage experience with Academy was surprisingly the easiest part of the home buying process.

—Michele Neely

Janey Howell was very friendly, easy to work with and her communication with us always kept us up to date.

—Jim Keogh

My fiance and I had a very easy time with Academy Mortgage and Janey Howell. She was extremely helpful and was very on top of it the whole time.

—Amara Hatfield

Janey was outstanding providing the best possible loan experience anyone could have had. From the beginning thru now Janey explained the process, what to expect and kept us informed every step of the way. I would certainly recommend Janey to anyone looking for a mortgage provider.

—Bruce Parent

Janey Howell is a pleasure to work with. She is organized and professional. I was so impressed with the timeline that our loan followed. Thanks!

—Sandra Vatne

Janey Howell was amazing. She was in constant communication and always welcomed our questions and patiently explained everything. We felt that she really cared about us and was looking out for us during the whole process. We would highly recommend Academy Mortgage!

—Caryn Pharris

Exceptional care to detail to handle things quickly and efficiently. Thank you so much!!!

—Karen Sullivan

I thought Janey Howell was extremely personable, knowledgeable, and very professional…

—Emily Clay

—Amber Bowles

Our loan experience was outstanding. My only suggestion would be to not change a thing about the process.

—Dave Venable

Janey was amazing. Easy to communicate with.

—Whitney Hehemann

Janey Howell was wonderful to work with as she helped us to secure our first mortgage. Thank you Janey!

—Amy Pearson

Janey answered all of our questions and provided us what we needed to feel confident moving forward.

—Elana Towers

I was very pleased with everything I encountered at Academy Mortgage. My loan officer did an outstanding job of educating me about the loan process, keeping me informed about the various steps in the process, and finalizing the mortgage loan.

—Daniel Aarthun

We were recommended to see Janey Howell by our realtor and are beyond happy that we used Janey. Very personable, responsible and professional.

—Alexander Grant Pierron