Maria Fernette

Senior Loan Officer
NMLS # 630946
State Lic MI #630946
2015318_maria_fernette_Professional Pic


111 East Wackerly St.
Suite C
Midland, MI 48642
Mobile: (989) 513-3436
Direct: (989) 698-3285

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

—Cindy Munro

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

—Adam Jankowiak

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

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 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

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

—Brandon Page

Maria made a somewhat scary loan process seamless and easy!

—Megan Jewell

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

—Katrina Conley

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

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

—Heather Hamburg

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

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

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

—Donald Gilson

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

—Alan Prout

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

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

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

—Dennis Ward

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

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

—Sommer Tolles

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

—Karen Shepard

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 was amazing!

—Melanie Inman