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.

JJ Torres

Senior Loan Officer
NMLS # 225703
State Lic TX #225703, CA #CA-DBO225703, AZ #LO-0912650

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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—Jose Gonzalez

—Omar noe bojorquez

Everything was pretty good

—Sarah ivanna rios

It was an amazing experience with our loan officer, JJ Torres. He diligently worked numerous hours to provide a new home for my parents. His expertise and knowledge will be highly recommended to our friends and family.

—Suresh Patel

Excellent service by JJ Torres and his team. Flawless process thanks to his expertise and commitment to great customer service.

—Margaret Demlow

Really appreciate that our loan officer JJ Torres was available even outside regular ‘9-5’ hours.

—Elba Tay Aguilar

I want to thank JJ and everyone involved for making this happen. My wife and I are very happy.

—Dolan Leveen

JJ Torres is bilingual and I really liked that.

—Javier Villa Abril

JJ Torres was the best and should be rewarded for his hard work accuracy!

—Jeffrey G Demlow

Excellent service by JJ Torres and his team. Flawless process thanks to his expertise and commitment to great customer service.

—Margaret Demlow

JJ did a fantastic job in this transaction! I would definitely come back with more clients for future business transactions.

—Yeni Feliciano

We learned a lot about the mortgage process.

—John Bernard

JJ was awesome!

—Bernadette Davidson


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