Joann Heath

Loan Officer
NMLS # 1081420
State Lic CA #CA-DBO1081420
Purchasing a home is one of the biggest financial decisions many of us will ever make. I consider myself fortunate to be in a position where I can assist my clients and guide them through this process. While sometimes challenging, the end result of a client who now owns a home, is the most rewarding feeling.

I am also fortunate to share my work passion with my business. At Academy Mortgage, Susie Lacondeguy and I will work diligently to make sure to find the best program to fit your needs. We specialize in working with FHA, Conventional, High Balance FHA and Conventional, Jumbo, VA, One-Time Close, CalHFA, and Down Payment Assistance.

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, and funding are handled locally. As a result, we have a proven track record of closing loans as quickly and efficiently as possible.

We would love to help you attain the dream of home-ownership too. Give us a call!

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


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