Joseph Gracia

Senior Loan Officer
NMLS # 127995
State Lic MI #127995
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Joe Gracia is a Mortgage Loan Officer serving Midland, Michigan.
He has been in the mortgage industry for over 20 years; helping people like you obtain their goal of sustainable homeownership. Joe 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, Joe will guide you through the loan process seamlessly by providing quality communication and advice. Joe 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. Joe 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 Joe’s My Mortgage: Mobile App today for a trusted mortgage calculator and his contact information.

Does it sound too good to be true? See Joe’s impressive rating and reviews on Experience.com.

Joe offers Conventional, FHA, VA, USDA, MSHDA, or down payment assistance loans servicing the Tri-City area and beyond including Auburn, Saginaw, Bay City, Freeland, Gladwin, and Freeland.

Your Home Value

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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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