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.

Julie Steele

Mortgage Loan Originator
NMLS # 207483
State Lic UT #5493040, ID #MLO-2080207483, NV #47009
2016930_julie_steele_Julie Head Shot Cropped


2297 N Hill Field Road
Suite 103
Layton, UT 84041
Direct: (801) 589-0110
Branch: (801) 614-5099
Fax number: (435) 565-6762

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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Julie was amazing. She made it all a breeze. I love the uploadable documents on the app and web page. It made it easy to get things done while I was working too.

—Martin Lesbo

I had a great experience along with my buyer and look forward to working with you in the future!

—Lori Bottari

Julie was awesome. She always patiently explained everything even if it wasn't the first time. She always made time no matter when I called and she was very knowledgeable. Working with her was a very positive experience.

—Lincoln Anderson

Julie is quick and smart. She always goes above and beyond for her clients.

—Marcella Syme

Julie was amazing. She made it all a breeze. I love the uploadable documents on the app and web page. It made it easy to get things done while I was working too.

—Martin Lesbo

Julie and Tammy were great!

—Kenneth Rosengarten


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