Cornerstones of Success

When it comes to helping individuals and families achieve successful homeownership, Academy is 1st CHOICE. For over 30 years, we have delivered exceptional mortgage service, in-house loan fulfillment, a broad portfolio of products and tools, and integrity-based mortgage banking.

Judy Brackin

Senior Mortgage Lender
NMLS # 772972
State Lic AL #67806, FL #LO43959, GA #56164
201751_judy_brackin_Judy Brackin_cropped

It’s all about service at Academy Mortgage, and our company has been meeting the needs of homebuyers 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 homeownership. 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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Judy and her team were amazing! This was our first home. Being self employed it was a bit of a challenge and Judy and her team were very efficient and thorough. Judy was an absolute pleasure to work with.

—Clyde Benefield

I do believe Judy made my difficult transaction the smoothest she could have! She was always available to asssit my client and me. She went and continues to go above and beyond for every client I ask her to reach out to! She is professional and genuinely cares about everyone she interacts with! I can’t imagine doing any other business without her! If only I would have met her 2 years ago when I began this business! Thank you Judy and Academy Mortgage is BLESSED to have you on their team. ??

—Jenn Darcy

Our experience with Academy was A++. We closed on-time and received excellent service from Judy Brackin throughout the loan process and closing. We actually enjoyed the experience and had a great time at the closing. THANK YOU, JUDY!

—Linda Humphreys

I wouldn't trust my son's loan to just anybody. Judy has always come through for my clients and is my mortgage go-to referral

—Annie DeRose-Broeckert

Judy Brackin was outstanding. She provided the guidance needed from start to finish.

—Harold B Wallace

Judy and her team were great to work with!

—Mark Sutton

Judy, Rochelle and Debbie make a great team! They made the process way easier than I could have imagined.

—Alana Snellings

—Anne Carobine

Overall, this was a positive home buying experience. Although everyone I spoke with was very helpful and knowledgeable, I would have preferred to have communicated with a single person (Judy). At times, there seemed to be some unavoidable communication gaps.

—Letitia Householder

Everyone was extremely helpful.

—Kerry Rapoza

Our experience with Academy was A++. We closed on-time and received excellent service from Judy Brackin throughout the loan process and closing. We actually enjoyed the experience and had a great time at the closing. THANK YOU, JUDY!

—Linda Humphreys

Great job, Judy. I appreciate you always being available for me to contact: it makes a huge difference.

—David Bearden

Judy was great from start to finish. I'd recommend her, and Academy, to anyone!

—Steven Dunkle

What a smooth experience! I was updated constantly on the process. Very friendly, knowledgeable and professional. Judy Brackin and team are awesome. Thanks so much!

—Terrie Lee Fuller

Judy is so knowledgeable and kind. I don't think she ever takes a break - very quick to respond and great at explaining the process.

—Anne DeRose-Broeckert

Judy is a fantastic loan officer - she has experience to find the right program, as well as the knowledge and connections to keep things moving. I respect and therefore recommend her because she is honest and has an incredible work ethic. She is personable and timely in her communications. Last, but certainly not least, she has the heart to consider my clients as people, not a deal.

—Annie DeRose-Broeckert

We were very blessed by Judy and her service towards us we are so thankful to have gotten to know her.

—Matthew Meng

I felt that Judy Brackin and Debbie Degiuseppi were awesome.

—Charles Clayton

Judy was great from start to finish. I'd recommend her, and Academy, to anyone!

—Steven Dunkle

Judy was wonderful. Even though we did this loan from 450 miles away, she was right there when I needed to talk to her.

—Linda Carter

Judy Brackin did a great job of keeping my clients and me informed throughout the entire process. I will absolutely recommend her to anyone I know!

—Jenn Darcy

Great experience, Judy is so kind and kept us informed during the entire loan process and followed through until the end. She was great to work with.

—Veronica Jackson

The Brackin Team was very professional and answered any and all questions I had.

—James Hale

I cannot tell you what a pleasure this whole process has been. My loan officer helped every step of the way, and encouraged me when it all seemed so overwhelming. It was the best closing I have ever been through, and I give my loan officer full credit for that.

—Larry Max Smith

Words could not express, how satisfied that we are with the process in which the hospitality we were shown for our new home.

—Leotis Clark

Judy Brackin was our loan officer. She was very professional, helpful and kept us informed during the loan process. I am looking forward to working with her again. I too will continue to refer other agents to her.

—Shirley A Benson

Another agent Sally McIntyre called and and asked for Judy’s name as she knew did such a fantastic job for my buyers in one of her transaction where she was representing the builder.

—Suzanne Speelman


Watch these videos to learn more about your loan.

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