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.

Jeff Heppner

Branch Manager, Producing
NMLS # 134865
State Lic MI #134865
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Jeff Heppner is a Mortgage Loan Officer serving Bay City, Michigan.
He has been in the mortgage industry for over 19 years; helping people like you obtain their goal of sustainable homeownership. Jeff truly understands that mortgages and lending can be unfamiliar territory for many.

Over the years he has had the opportunity of working with people who have a wide variety of situations and has helped them achieve their financing goals. Whether you are a first—time homebuyer, refinancing or buying your third investment property, Jeff will guide you through the loan process seamlessly by providing quality communication and advice. Jeff can provide a wide range of home loan options that makes the most sense for your situation.

What are the benefits of working with an Academy Mortgage Loan Officer? The thing that makes Academy so great to work with is that we are a direct lender. This means each branch and regional office is equipped to complete the entire loan process in—house. Jeff will be in control of your loan file throughout the entire process. This system allows for continuous communication and has given us a proven track record of closing loans quickly and efficiently.

Download Jeff’s My Mortgage: Mobile App today for a trusted mortgage calculator and his contact information.

Does it sound too good to be true? See Jeff’s 5-star rating and reviews on Zillow

Jeff offers Conventional, FHA, VA, USDA, MSHDA, or down payment assistance loans servicing the Tri-City area and beyond including Midland, Saginaw, Essexville, Auburn, Zilwaukee, Carrolton, Vassar, Reese, and St. Charles.

Home Mortgage Tools

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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.

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How much mortgage might I qualify for?

This calculator computes the finance amount, based on income, expenses, credit rating, and other factors.

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How much home can I afford?

This calculator computes the most expensive house you can buy, based on the highest payment you can afford.

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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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Jeff was great to work with and everything went smooth and fast! Appreciate all the hard work!

—Adam Cadena

They are on point at all times. That is Jeff Heppner I mean.

—John Reminder

You were great and a source of support with a testy seller. Your contribution to protect our sale was way over the top.

—Jacob Brodbeck

Jeff was wonderful to work with. As a first time home buyer I really didn't know what I was doing and he was a great help every step of the way. I highly recommend Academy mortgage and Jeff Heppner.

—Jennifer Lesperance

Jeff heppner always does a good job. He goes the extra mile to put the deal together in a timely manner. Gene Ross does a nice job too.

—Lisa

Jeff was great to work with and everything went smooth and fast! Appreciate all the hard work!

—Adam Cadena

Jeff was wonderful to work with. As a first time home buyer I really didn't know what I was doing and he was a great help every step of the way. I highly recommend Academy mortgage and Jeff Heppner.

—Jennifer Lesperance

Jeff was great at returning calls

—Elaine Kingry

Very time efficient, knowledgeable, and kind. Closed well before expected date. Very smooth process, didn't expect it to be so stress free. Extremely likely to refer friends, and family.

—Caylie Larson

Communications were timely and accurate. Jeff returned all calls and his staff was friendly and efficient. Also this mortgage was processed at a very busy time and Jeff was still patient. He also kept my realtor informed. overall,a good experience. Thank You, Jeff HEPPNER.

—Margaret Balongie

The level of professionalism, and your organizational Team was insurmountable to the overall proficiency, which made the Loan Process easier for me to complete, despite being geographically in another State.

—Rivkah Rosenthal

I was very greatful for Jeff and Gene for doing everything they did to get me my first home!!

—Melissa Mcguire

Follow up and keeping everyone informed

—Mike Meehleder

The overall experience with Academy Mortgage was excellent. Jeff was very courteous and knowledgeable about everything necessary to make my first home-buying experience wonderful.

—Jennifer Kocks

Academy Mortgage is extremely professional and efficient. Jeff and the staff are wonderful to work with and are always on top of every detail. Very quick response time and availability if questions arise.

—Steffanie Abbs

Jeff is always on his game. He is working on it all the time and does not think twice of obstacles other then how to overcome.

—John Reminder

Anytime, truly .... day or night. Gene and Jeff ... they answer their cells. LOL They hold the hands of our borrower when and if that is needed...With the results of the loans that I have currently closed with Academy... I will closing many more with you guys!!

—Karen Barrett

In house processing, the update emails, and the lender I worked with is an excellent communicator. Great communication and timely action is key in this business, and Academy Mortgage has always provided both!

—John Johnson

Jeff worked really hard for me to get me my house and even when I worked until 6-7pm he would stay late just so I could get my paperwork to him so we could get me my house, him and his company are the best I could have asked for

—Troy Staudacher

I guess I already did that in section 8 however, Jeff you where there at all times of day and night when I called. So appreciated your attention to my needs. Very stressful time and you lighten the load. Many kudos sent your way along with your staff in particular Melody.

—Debra Keyes

Jeff was very knowledgable and answered all of my questions. I got in and got the paperwork signed and I was on my way. It was a rather quick process compared to other stories I have heard. The videos they sent me were very informational.

—Angela Drzewicki

Jeff worked really hard for me to get me my house and even when I worked until 6-7pm he would stay late just so I could get my paperwork to him so we could get me my house, him and his company are the best I could have asked for

—Troy Staudacher

Very Satisfied

—Jonathan Dereszynski

Keeping me informed! Jeff did great! For a 203-k this file went very smooth and I am sure it was because of the loan officer involved.

—Ivan Miller

VIDEOS

Watch these videos to learn more about your loan.

Can You Relate? Celebrate the Downsize

Can You Relate? Celebrate the Downsize

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Renovation Loans

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Welcome to Academy Mortgage