Judy DiRubio

Senior Loan Officer
NMLS # 40180
State Lic MA #MLO40180, NH #NH40180, ME #40180
2016520_judy_dirubio_jd new photo
In the industry since 1985, Judy currently holds the position of Senior Mortgage Loan Officer at Academy Mortgage. Operating locally out of her new office in Beverly, MA, she 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.

Judy actively works with individual clients to provide them with a level of assistance appropriate to their needs and service beyond their expectations. Committed to the best customer service, she has assisted thousands of individuals and families to buy new homes or refinance their current ones; winning raving reviews from her clients and Realtors alike. As an active member in the North Shore Community as well as the North Shore Association of Realtors, she is widely recognized as an expert in her field.

Judy is a lifelong resident of the North Shore and a graduate of Merrimack College. In addition to her tireless work in the mortgage banking industry, she is a gentleman farmer and an avid long distance cyclist, pedaling 4000 plus miles a year and raising thousands of dollars annually for the PanMass Challenge charity for cancer research and the Jimmy Fund as well as for the local chapter of Multiple Sclerosis.

Your Home Value

Find out what your current home is worth.

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.

Print page


Watch these videos to learn more about your loan.

Can You Relate? Celebrate the Downsize

Can You Relate? Celebrate the Downsize


Renovation Loans


Welcome to Academy Mortgage

Great customer service, efficient, friendly.

—Marrianne B.

Great experience with a professional team!

—Marianne B.

Judy was amazing. If it wasn't for her we would've went with a lender who couldn't provide us with the help we needed. We started off with a lender who knew nothing about the programs available to Massachusetts first time home buyers and our agent recommended Judy. Thank god she did. Judy was able to get us an amazing rate and work hand in hand with our agent and attorney all the way from proposal to closing. SHE IS AMAZING!

—Robert S.

Judy DiRubio is always available even when I need her last minute. Her response time is quick.

—Bethany Carr

Judy DiRubio was fantastic! Always available to answer questions and on top of all aspects of the process. It was a pleasure to work with her.

—Tanya O

Thorough, detailed, crosses all T's and dots all I's to sum it up! Overall very satisfied!

—Laurianne G.

Judy did a wonderful job from the beginning to the end of this loan process. My clients could not have been happier.

—Brenda B.

Judy is great. This is our second time working with her and if there is another time, we'll come back. Thank you!

—Scott MacDonald

Judy was great - responsive, and calming (which I needed!) Would be great to potentially receive a packet of information that will need to be signed along the way or things that will be submitted, to review a head of time. Helps organized people (like me) to know what's coming and better prepare for it.

—Megan Berry