Joseph Gracia

Senior Loan Officer
NMLS # 127995
State Lic MI #127995
2016215_joseph_gracia_Joe 2
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 Zillow

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.

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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Both joe and kris were very diligent and positive. They were very helpful and patient.

—Daniel P Creger

Joe was great to work with. He answered all of our questions thoroughly and completely. Joe even made himself available during non business hours to resolve any concerns or answer any questions we had.

—Francis Weddel

I was happy that the loan officer was able to figure out all the documents I needed to provide up front. Saved in delays.

—Larry Root

As an agent, it is important for the lender to communicate with us. If we don't know how the loan is progressing we can't help out. Academy Mortgage, and Joe Gracia, was very good about communicating with me and the client. Made the process go very smoothly and we closed ahead of schedule.


Always great to work with, I’ve done two mortgages through Academy and have been completely satisfied with the results both times. Keep up the good work.

—Taylor Hogan

Joe has been great to work with. He works hard, fast and accurate. He communicates well and always follows up. He almost always earns the business when my clients interview multiple lenders.


Your team of you, kris, Rick did a awesome job. Referrals will be coming. Thank you.

—Steven Avery

This is my first home purchase and I will definitely reccommend everyone I know. I thank both Joe and Kris for their effort and efficiency in making this process as easy as possible.

—Jacob Enszer

—Toni Zaborowski

Joe and his team at academy mortgage made my first home buying experience very quick, easy, and painless. I would recommend academy mortgage over and over again!

—Andrew McDougall

Less than a month from the time we saw the house, quick approval, to now home owners. Very accommodating to our crazy schedules! Would recommend Joe and his staff to anyone!

—Shellee Prekop

Amazing people to work with, they made out easy for me.

—Kyle Beaver

Every aspect was handled with professionalism and all questions were answered as quickly as possible

—Kenneth Skutt

Everyone was was great. Joe especially made sure our experience was the best!

—Richard Holbrook

The loan process at Academy was great! Joe and Kris were outstanding to work with. Thank you.

—Phil Smith

Joe provided excellent customer service to all transaction team members!

—Carolyn Mayne

Joe and his loan processor were great! We had a short time frame and they came thru quick

—Amy Becker

I was very satisfied with Academy. You may use my feedback for marketing testimonials, but only my last initial, not my full last name (e.g. Mark K.)

—Mark Kawiecki

Joe and Kris were great to work with. They always communicated promptly, answered all our questions, and had our loan ready to close even earlier than planned. I wouldn't hesitate to recommend them or use them again for any future needs.

—Matthew Kent

Having an initial face to face meeting would have been beneficial.

—Stephanie Mallord

Everyone was great! Kris, Rick and Joe were on top of it and made sure I knew what was expected of me and kept the ball rolling.

—Robert Thomas Culver

Joe and his team worked very hard to ensure that we closed quickly as we were living in a hotel. Outstanding response as well as understanding our specific needs.

—Ryan Anderson

—Abbie Johnson

Great service and adaptability by the entire Academy team. This made it possible for my clients deal to continue and close on time.

—Kip Harris

The Gracia Group was a pleasure to work with. Even with an aggressive close date, they were able to close about 10 days early! The buyer was ecstatic. They went above and beyond and contacted the listing agent for me to see if closing early was a possibility for the sellers and then followed up with me about it. Always a pleasure working with this very professional Gracia Group.

—Jamie Broderick

—Will Zablocki

The entire Midland Academy Mortgage group deserves KUDOS!!!

—Brent Precour