Jason Oswald

Branch Manager, Producing
NMLS # 34921
State Lic ID #MLO-8372, CA #CA-DOC34921

Purchasing a home is one of the most important decisions you’ll make in your lifetime. Whether it’s your 1st time or 100th time, it’s critical that you are working with an experienced and seasoned Mortgage Advisor. I have been in the real estate game for over 15 years and bring that wealth of experience to give you the best experience available.

Your home loan is about YOU and your family's goals. Every borrower has a unique situation, and every borrower deserves the capability to choose what’s best for them. I use credibility and creativity to help a lender see the strengths of a borrower and minimize the perception of risk. With a large variety of loan options I am able to present your file to the right lending source for you.

At The Legacy Group of Academy Mortgage, our ultimate goal is to create lasting relationships with each of our clients so that we may continue providing excellent service for many years to come.

We offer Fixed Rate Mortgages, FHA Mortgages, VA Mortgages, Adjustable Rate Mortgages (ARM)
Construction Loans, Reverse Mortgages and Idaho Housing financing.


Benefits to working with me:

100% Transparency - You're spending YOUR money. You deserve to know everything about the mortgage experience and that's exactly what you'll get with us. You'll leave feeling completely comfortable knowing that you've made the best financial decision for your situation.
Time saving – With us, you save time looking for the best rate on the market. We have a broad knowledge of the mortgage industry. We know, where to go, who to call and how to close the loan as fast as possible.
Flexibility – Do you have any special circumstances? With us, you have a real chance to get a loan. We know, which lenders will be most likely to work with you.

My Personal Core values
TRANSPARENCY – I'm honest and completely transparent.
TRUST – I am certificated specialist with deep knowledge of industry and local conditions.
LOYALTY - In a world where the all-mighty dollar seems to rule the world - I believe in doing right by the client no matter what.
CONFIDENTIALITY – I don't like my personal information shared and I feel the same about yours. All your information are secured.
RESPECT – I approach everyone and every situation with respect.
RESPONSIBILITY – I provide excellent services during a loan process and many other years to come.

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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Jason, Tara, Natalie, & Lacey are the best team in the Treasure Valley! They get things done!

—Brandon Harrison

The were all fantastic...

—Michael Broadi


—David Stewart

Very prompt and informative. Kept my client very well informed of the status.

—Lonnie Dodd

Jason was so great to work with. He took the time to explain the entire process with us. He checked in with us often and made us feel like our business really mattered. He has a great team that was would keep me updated each week.

—Jennifer Brown

Quick and easy!

—Elizabeth Hlinka

The whole staff at Academy that processed both loans did an outstanding job. (Jason, Lacey, Tara, Brandi, Natalie, Kay and John. Hope I did not miss anyone) Your great team!!

—Karl Feldmeier

Painless, great communication!

—Steven Fleshman

Jason's processor, Elizabeth Losh, did an outstanding job with putting our loan together. She was always there to answer any question we had. She went out of her way to complete the paperwork so that we were able to sign everything with Title Company the last day we were in Idaho prior to traveling back to California.

—Freddie Poole

It was fast and professional. The entire team works fast to keep me updated. The system was smooth and efficient.

—Lawrence Love

Excellent Service and Experience. No setbacks, solid communication, Jason, Tara and Natalie were great to work with and through.

—Michael VanDamme

As an out of state buyer, I felt my needs and questions were addressed in record time

—Elayne Walther

Jason and his staff provided us with exceptional service and we couldn’t be happier. Academy Mortgage has created a very intuitive process that takes the stress out of obtaining a home loan. They work closely with you during every step along the way and always return your calls promptly if you have any questions. Thank you again Jason and your team! We couldn’t have asked for more, you did a fantastic job!

—Chris Norris

My daughter moved to Idaho from California and we wanted to get our foot into the door, so to speak. Buying property in Idaho was a golden opportunity to invest in our future there. This team is outstanding and when the time comes to buy OUR home, we'll be knocking on your doors again. Thank you for all you did to make this an enjoyable experience.

—Bonni Johnson

Jason and Tara were wonderful in helping us understand each part of the process. They got closing done quickly and made us feel totally sure that we were in good hands.

—Tiara Shippy

Jason was awesome with helping lower my stress and answered all my questions completely. I was very well taken care of and informed. I will use him again.

—Robert Nording


—Gloria Stock

Everyone at Academy was very professional and personable. They made the loan experience as pain-free as possible. I was originally planning to go through a different lender, but was referred to Academy through my realtor. After our initial phone conversations and our first visit, Jason made both my wife and I very sure that our first choice was for Academy to be our final loan provider. Everything went smoothly and they were also patient in dealing with some of the build delays we experienced. Extremely satisfied with our experience. Would highly recommend their services.

—Christopher Trull

We worked with Jason Oswad and he went above and beyond to make sure we understood the whole process.

—Michael Miller