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.

Mark McNicholas

Loan Officer
NMLS # 460721
State Lic PA #63462, DC #MLO460721, MD #26-21942
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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.

Your Home Value

Find out what your current home is worth.

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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Mark McNicholas was wonderful to work with-- he responded to my initial e-mail in a very timely manner, and we did most of the process via e-mail. This was very convenient for me and my husband. Mark answered all of our questions, and was always friendly and punctual. The other individuals we worked with to refinance our home were also helpful. We really enjoyed the easy electronic signatures on necessary documents, too. The process took about a month with little to no issues.

—Kristen Rogers

Mark McNicholas and Dannette Lawrence were great I appreciated their help during this process.

—Lovie Walker-Addy

We worked primarily with Mark and it has been a wonderful, stress free experience. Every piece of information provided, every question answered. Purchasing house and processing loan cannot get easier than this.

—Bhagyashree Gopakumar

I thank you for all of your hard work!

—Christopher Tapp

Our refi was excellent. Mark and everyone we worked with were amazing with questions and time frames.

—John West


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