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.

Justin Holyszko

Loan Officer
NMLS # 170956
State Lic MI #170956
2014212_justin_holyszko_Justin Holyszko  (2)
Justin Holyszko is a Mortgage Loan Officer serving Bay City, Michigan.

He has been in the mortgage industry for over 14 years; helping people like you obtain their goal of sustainable homeownership. Justin 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, Justin will guide you through the loan process seamlessly by providing quality communication and advice. Justin 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. Justin 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 Justin’s My Mortgage: Mobile App today for a trusted mortgage calculator and his contact information.

Does it sound too good to be true? See Justin’s 5-star rating and reviews on Zillow

Justin offers Conventional, FHA, VA, USDA, MSHDA, or down payment assistance loans servicing the Tri-City area and beyond including Midland, Saginaw, Gladwin, Harrison, and Reed City.

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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Justin was fantastic walking through my first home buying experience.

—Christine Lord

I know that many people are involved in this sort of loan, but I received communication from several different people during the process. As a customer, it can be confusing having more than one contact point. Also, the amount of email was overwhelming at times. Perhaps the communication could be condensed a bit. Communication is good, but separating the essential pieces of email from the "educational" component might be nice.

—Matthew Offenbecker

As first time homeowners we were very nervous during the whole process. Justin helped put our minds at ease numerous times during the process. He explained what to expect and the how/why. The staff at academy were always friendly and helpful.

—Lisa Delgado

Justin went over and above to be available and answer all questions that we had. This is my 3rd experience working with Justin and his team. Once again I am 100% satisfied with my experience! If you are looking for a Trustworthy, and Clear process give Justin a shot.

—Timothy Horner

Working wish Justin was amazing. He was very patient with me as I had some issues with certain home and had to start the process over again on another home. He emailed me regularly with up to date information. I will always do business with Justin.

—Paul Cockerel

Everyone was a great.

—Barbara Laforest

Justin was great and easy to work with, just wish we would have found Academy Mortgage sooner.

—Tiffany Plashek

Provided great feedback and was very timely through everything.

—Kimberly Judd

Justin Holyszko at Academy Mortgage was so easy to work with. He made sure I knew everything that was going on during the process of buying my first home and always answered any questions I had. The process was smooth and quick! I would definitely recommend Justin and Academy Mortgage to anyone buying a new house.

—Heather Koehler

Fast, easy and the people were always available and knowledgeable!

—Robert Lorence

When we were unhappy with our insurance rates that were rolled into our loan Justin gave us some great advice even after we closed!

—Emily Rives

he entire process was made as easy as possible by everybody at Academy mortgage.

—Keith Reno

Amazing!!! Thank you Justin and team for all you did for my clients!!

—Abbi Burr

Great experience, Justin is the man.

—Clay Hollister

Justin was excellent from start to closing. Thank you for a smooth home buying process!

—Rebekah Beyer

It took us a long time to finally find the house we wanted and several that fell through for different reasons. Justin was very patient with us

—Brian Baldwin

Justin was in constant contact with rates, updates, and information needed to close. He stayed within our closing window, gave me the best rate, offered multiple financing options, and make the whole process extremely easy. I would recommend him to any and everybody.

—Lee Sniecinski

For it being my first experience of buying a home I had a lot of questions I asked, Justin didn't hesitate with the answers and encouraged me to ask as many as I wanted. Easy guy to communicate with and was available 7 days a week. I will continue to go through him if we ever decide to buy again and will recommend him to anyone!

—Zan Marsh


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