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)

CONTACT INFORMATION

1901 S Euclid Ave
Suite 4 & 6
Bay City, MI 48706
Mobile: (989) 245-0373
Direct: (989) 245-0373
Fax number: (866) 472-0469
Welcome!

It’s all about service at Academy Mortgage, and our company has been meeting the needs of home-buyers 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 home-ownership. 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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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

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

—Robert Lorence

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

—Keith Reno

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

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

—Rebekah Beyer

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 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

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

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

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

Great experience, Justin is the man.

—Clay Hollister

Provided great feedback and was very timely through everything.

—Kimberly Judd

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

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

—Abbi Burr

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

Justin was fantastic walking through my first home buying experience.

—Christine Lord

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

VIDEOS

Watch these videos to learn more about your loan.

Can You Relate? Celebrate the Downsize

Can You Relate? Celebrate the Downsize

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Renovation Loans

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Welcome to Academy Mortgage