Joseph Gracia

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

It’s all about service at Academy Mortgage, and our company has been meeting the needs of home-buyers 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 home-ownership. 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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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.


—Toni Zaborowski

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

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

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

—Phil Smith

—Abbie Johnson

The entire Midland Academy Mortgage group deserves KUDOS!!!

—Brent Precour

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

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

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

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

—Will Zablocki

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

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

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

—Kyle Beaver

Joe provided excellent customer service to all transaction team members!

—Carolyn Mayne

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

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

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

—Steven Avery

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

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

—Richard Holbrook

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

—Amy Becker

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

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

—Kenneth Skutt

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

—Daniel P Creger