Midland, MI 48640
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.
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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.
I was happy that the loan officer was able to figure out all the documents I needed to provide up front. Saved in delays.
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.
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.
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.
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!
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!
Amazing people to work with, they made out easy for me.
Every aspect was handled with professionalism and all questions were answered as quickly as possible
Everyone was was great. Joe especially made sure our experience was the best!
The loan process at Academy was great! Joe and Kris were outstanding to work with. Thank you.
Joe provided excellent customer service to all transaction team members!
Joe and his loan processor were great! We had a short time frame and they came thru quick
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.)
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.
Having an initial face to face meeting would have been beneficial.
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.
Great service and adaptability by the entire Academy team. This made it possible for my clients deal to continue and close on time.
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.
The entire Midland Academy Mortgage group deserves KUDOS!!!