Kim Torres

Loan Officer
NMLS # 1381682
State Lic WA #MLO-1381682

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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Everyone was very helpful, even when we weren't sure who to direct our questions to.

—Jacob Schaefer

—John Lucas

Kim was fantastic to work with!

—Saundra Schaefer

Kim, as slways goes above and beyond and consistently communicates, which is THE key to a successful transaction and phenomenal client relatons! In the world of point and click Kim's "old school" approach with actually speaking with clients and agents is not only a great approach but a HUGE part of why I continually do business with her.

—G Priest

Kimberly Torres was outstanding! She was helpful,efficient, and available.....always responsive to any questions and/or needs. She came to us, personally, and made what could have been a "daunting"experience as stress-free and simple as.possible!! She also had a warm and winning personality and we felt blessed to have acquired her friendship.

—Kathryn Campbell

Kim is the, Kim is #1! Seriously, she was amazing.

—David Jones

Kim was awesome! I was a first time home buyer and Kim helped me feel more comfortable and knowledgeable throughout the whole process. I feel she went above and beyond helping me, emailing me and responding to me on the weekends and evenings. She was always quick to help me with any concerns or questions I had and truly helped make this a good experience for me! Thank you Kim, you're awesome! :)

—Adara Randich

—Danae Elsner

Kim was very attentive and explained things to me.

—Joy Shaw

The previous times I have refinanced my home, the process took up to 90 days. I believe the process with Academy was closer to 45. Everything went so smoothly. I never felt lost or that I didn't know what was going on. It was so comfortable and so easy!

—John Sheahan


Kim torres is as professional, thoughtful and a pleasure to work with as anyone you will ever work with in the business. I would recommend Kim and her team to all of my clients.

—Todd Donaldson