Maria Fernette

Senior Loan Officer
NMLS # 630946
State Lic MI #630946
2015318_maria_fernette_Professional Pic
Maria Fernette is a Mortgage Loan Officer serving Midland, Michigan.
She has been in the mortgage industry for over 13 years; helping people like you obtain their goal of sustainable homeownership. Maria truly understands that mortgages and lending can be unfamiliar territory for many.

Over the years she 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, Maria will guide you through the loan process seamlessly by providing quality communication and advice. Maria 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. Maria 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 Maria’s My Mortgage: Mobile App today for a trusted mortgage calculator and her contact information.

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

Marai offers Conventional, FHA, VA, USDA, MSHDA, or down payment assistance loans servicing the Tri-City area and beyond including Saginaw, Mt. Pleasant, Alma, Bay City, Clare, and Gladwin.

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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Maria was amazing!

—Melanie Inman

My experience with Academy was wonderful. Maria did an outstanding job of communicating with me and answered all of my questions promptly. She made the process less stressful and was extremely friendly. I also really enjoyed the videos sent to me as I entered each new stage in the process. They did a great job of informing me what to expect!

—Justine Kissane

Maria was willing to come in to work on her day off to process my loan, which I was impressed with.

—Dennis Ward

Maria is great to work with, is on top of communicating the loan process with clients as well as myself. Never misses a beat!

—Theresa Guthrie

Maria made a somewhat scary loan process seamless and easy!

—Megan Jewell

It was such an easy experience very reassuring and smooth process.

—Jessica Caldwell

I was always kept up to date and informed, when ever I reached out with a questions I always received a response in a timely manner.

—Dawn Morris

Maria is a joy to work with! She is very pleasant and quick to get you the answers you need. I absolutely love working with her!

—Rebecca Hockemeyer

I enjoyed meeting and working with everyone. There were times I am sure I was exhausting but you stuck with me. I wish I had started out with Academy instead of the other folks and things would have been quicker and less taxing. Thanks again for all you did.

—Debra Dennis

Overall, I had a very positive experience working with Maria Fernette. She was very professional and helped me to keep my mind at ease when we ran into snags during the loan process. I feel she went above and beyond what other lenders may have done. I liked the mobile app that showed our loan progression and details. We will definitely recommend Maria and Academy mortgage to friends and family in the future.

—Jason Larson

Maria was very good at giving us updates along the way. She was helpful in answering any questions we had also.

—Brandon Page

Maria worked very hard. She was upfront and honest which was very nice!

—Sommer Tolles

As a first time homebuyer I didn't know what to expect but Maria made it a great experience! She answered all my questions and kept my stress level low. She also worked hard to make it possible to get the house I wanted when I didn't think it was going to work out. She made my dream of owning a home become a reality! Thank you!!!!

—Tracy Skalnican

My experience was phenomenal, Maria was a great resource and a phenomenal loan officer. Academy and Maria were great,easy to work with and worked with a sense of urgency to get us into our new home.

—Kyle Franquist

Maria was very friendly and easy to work with. She responded very quickly to emails. The process was very simple and painless.

—Stephen Waligorski

Maria is very professional and a good communicator along with her friendly disposition she is sure to please

—Cindy Munro

Maria Fernette was awesome once again. Thank you for a speedy, knowledgeable, professional experience!

—Katrina Conley

Maria was a pleasure to work with, she kept myself and the buyer informed the entire step of the way. I will certainly recommend Maria to future clients. Thank you!

—Shannon Cummings

They were very helpful and nice and great to work with. Maria is awesome!

—Donald Gilson

Academy Mortgage was well organized and knowledgeable. All my questions were answered thoroughly. We closed in 3 weeks from the date of our accepted offer.

—Brian Corbin

I had a very positive experience with Maria Fernette. She was always prompt and informative. Highly highly recommend!!!

—Adam Jankowiak

Everyone I worked with at Academy was extremely helpful and responsive to any and all questions that I had. I can't think of anything I would change about the way they do business.

—Shawndra Burnham

all the team members at Academy were amazing. Fast, courteous, friendly and knowledgeable.

—Heather Hamburg

I was very pleased with my loan officer Maria. She was helpful and informative at every stage.

—Karen Shepard

Maria Fernette was a fabulous communicator, timely, thorough, patient, and very sweet to work with. She handled the transaction flawlessly and kept me posted along the way. I couldn't have been happier with her work and service.

—Hailey Fader

Maria always helped me no matter what time of day it was. I felt like she really cared.

—Alan Prout

Maria Fernette is top notch in all aspects of her business. Maria took on my client after a much less than adequate experience with another local lender. Maria took over and met all deadlines and assisted myself and my client every step of the way. Maria provides excellent customer service, responds to questions and messages and always has a smile on her face and has the best interests of her clients at heart. I will definitely refer my clients to Academy Mortgage and Maria Fernette in particular. She is a class act and a tremendous asset to your team, as well as mine!

—Katrina Conley