Mary Keene

Branch Manager
NMLS # 396398
State Lic GA #45937, FL #LO14496, AL #72140
I have over 30 years in the mortgage business with the experience from processing, closing and underwriting, to being a Top Producing Loan Originator. My experience is there to help you attain your goal of Home Ownership! My team and I look forward to working with you and the opportunity to earn your business. The greatest compliment I can receive from you is the referral of a friend or family member.


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Chris Z was exceptional with the communication, follow up, over all details and suggestions.

—Rebecca Drake-Rivera

I'm a 1st time homeowner and it would have been nice to get some downpayment assistance. I received an email from academy indicating the seller would pay all closing and they didn't. I had to pay more out of pocket. My experience was great until the last 3 or 4 days of closing

—Sabrina Belizaire

The Keene Team was spectacular, they kept us informed every step of the way!

—Caryn Glisson

Lisa Daniels was great and very helpful with everything,

—Richard Chambers

I have always recommended Mary Keene, and her team. They are the best! On time, excellent communication.

—Tracy Frandsen

I mostly worked with Chris Zalupski and overall he was very kind, informative and reliable. I told him some of the issues I faced with other mortgage lenders and he made sure those needs were met and referred me to a program that helped me and my fiancé purchase the house we loved. My only issue was as we neared closing there were other people from the Keene team that reached out to me asking me for documents that I had already sent Chris or could have sent him weeks ago. Due to the request of those forms we ended up closing a date later than intended which isn't a big deal but definitely something to keep in mind. Other than that I loved working with Academy mortgage and look forward to working with you guys more in the future!

—Cierra Cummings

Again, I worked with Margaret Twohie and she is amazing. Paul and Brenda worked tirelessly in this transaction as well to get the loan closed a week early to accommodate schedules.

—Charlene Session Diamond

We enjoyed working with Chris. He always communicated in a timely fashion and with great detail. He made himself available around the clock to insure we met our deadline of purchasing our new home.

—Maxine Ford

Best experience I’ve ever had!!! I really appreciate all the help TYLER and the Keene team did for use. Also Tyler is one of the best Professionals I have ever met. One final remark I also want to thank Brenda for her hard work and Patients with me.

—James Lewis

Happy with your service, no suggestions!!!

—Boris Lapin

Chris Zalupski was awesome. He was always very thorough and always addressed our concerns in a timely fashion.

—Carl Ford


—Refik Sabanagic

Everyone was awesome to work with and very helpful when we needed anything.

—Sheri Jean Maness

Academy Mortgage was in constant contact and helped us through every step of the process. It was a pleasure working with them. They were a big part of making our dream home a reality.

—Tony Subia

The loan experience was great and unique! It was an experience that happened for the first time in my life.

—Roland Rrushi

Tyler Payne is my GO TO LENDER . I always send my Customers to him if they do not have a lender. TYLER IS AMAZING . He communicates well and always gets back with my in a timely manner.

—Tracie Gatto

I couldnt have asked for a better point of contact than Loan Specialist, Tyler Payne. From the first day, to closing he was always available when I had any questions or concerns. And did an amazing job of "talking me off the ledge" a couple of times. Being a 1st time home buyer is a bit scary, but with Academy it was seemless. He was a great representative for the company and was always friendly and professional.

—Tammy Shank

Chirs and the rest of the Keene Team were amazing!

—Matthew Glisson

This was our first loan experience and it was smooth as butter up until the end. The team at Academy Mortgage helped and guided us through every step. I would not trade the experience for anything

—Jason Oliver

Paul Briggs was very helpful and professional he had that get it done, I'm on it mentality. Bianca Perez was nice while dealing with us directly but she called my wife's employer and was rude thys making my wife look bad by association. Also the paperwork that was sent to the lawyers during closing was sent at the time we had our appointment thus making us wait an extra hour then we had to.

—Jorge Vazquez Adorno

—Danielle Ploeg

I am very grateful for Academy Mortgage! For being a first time home buyer, everyone was so patient and nice. Everyone made sure I stayed informed and explained anything that I did not understand!

—Channel Johnson

My overall experience was just ok...I wish I would have been provided more information or the information that was being requested to sign was explained better.

—Ranoda Miller

First time purchasing a house and it was the best experience ever!

—Lakeitha Tucker

As previously stated, Margaret Twohie did an outstanding job. I couldn't imagine taking this journey without her.

—Jacqueline McGregor

My team at Academy was beyond amazing. For a first time Homebuyer, the process was already overwhelming, but Tyler was available every step of the way of the process. I appreciated the emails provided of the steps, so I knew exactly what was coming next. The only thing I would have liked to use more was being able to monitor the status of my loan on the mobile app.

—Regina Love

—Addison Kling

I worked directly with Renee Cardenas who was excellent with answers and prompt on reply’s.she was also very patient and explained things I was unsure of. I also worked with Tyler Payne who was very helpful and accurate in the information he provided. I was brought to the company by John Mathews who helped significantly in helping me understand the process and how to begin. Margie Paul was prompt in receiving my documents and letting me know if I needed to change anything or send more.

—Kylie Smalt

Academy made this process smooth and easy!

—Christopher Scarola

Paul answered all questions and was a pleasure to work with.

—Rebecca Hutchinson, Realtor ERA Fernandina Beach Realty

Everyone on the Mary Keene team is phenomenal I want to thank you for the prompt and courteous closing on my mortgage!!!

—Trishana Lewis

Tyler and team were very professional and knowledgeable.

—Tricia Archie

Academy offered top notch service through out the process

—Anntonette Norris

Tyler Payne and his team are Rock Stars. I send all of my customers to you all. I have not run across anyone that comes close to you all.

—Denise Turner

Chris was so patient in explaining key things that may have looked preliminary for him, but he took his time and made me feel welcome to ask any question. Margaret also was awesome. Norma was diligent in requesting the documents necessary to close. Everyone was just so awesome that I can't find the words to express my gratitude.

—Georgika Mildred Jean Leger

Everyone was very kind. They understood all of the issues that were happening with our home and helped us get around them.

—James Mathews

Tyler was great to work with.

—Rickey Bowlin

Academy Mortgage should be the company other lenders measure themselves against. Everyone I came I to contact with was knowledgeable, kind, and helpful beyond measure. In particular, Tyler Payne made this one of the easiest and best experiences I have ever had. He took every call, every text, and never once made me feel like a nuisance. In fact, he made me feel like I was his only client. I would definitely use Academy again and recommend them to anyone looking for a mortgage.

—Tinesha Wright

The buyers and I both agree you and your team did a wonderful job. Everyone was very responsive to questions.

—Seth Smith

Everyone I worked with was genuinely interested in providing all the help required. They were pleasant, personable, and friendly at all times.

—Marcia Kay Goswick

Process was so easy, everybody was very nice

—Abubakr Hassan

Margaret Twohie was courteous professional and phenomenal. I would recommend her to anybody looking for a home!

—Grace Carlson

Really ImPressed me. Great team

—Gerald A Rose

The team we worked with were very hard working Chris,Tyler,TeenaMarie, and all the others involved .

—Gisela Owens

Bianca Perez was the only person we worked with that seemed to make the process a little more complicated every time there was communication.

—Cody Buechele

I worked with Tyler and he was amazing! He answered my long lists of questions and was always quick to get things done. He definitely made the process easy and worry free!

—Holly Holdship

Keep up the good work and great customer service

—Robin Staley

Everything was perfect throughout the whole experience made it easy for a first-time homebuyer

—Brandon Bullard

—Chavahn Harvey

—Nicole E. Bailey

The professionals at Academy were great! (Chris, Mary, and Teena) I really appreciated their flexibility throughout this wonderful experience with the selling of one property's hiccups to finalize this one! My wife and I sensed the teamwork and genuine concern for the successful transition for this property!

—Joel Dinkins

We enjoyed our experience, though the office is in Jacksonville (1 hour away from us in Palm Coast), they were able to communicate effectively and promptly with us via phone and email throughout the process. We worked closely with Chris, and appreciated his assistance. Also on the day of closing, we worked with Gena Dodson and had a lovely time!

—Jaclyn Centofanti

I worked with Paul Briggs he was very responsive and put my buyer at ease throughout the process.

—Brandon M Hamby

It was a awesome experience! Especially that I was buying my first home and had academy mortgage be sooo helpful throughout the whole process! Thank you!

—Corey Vandergeest

Tyler Payne was a pleasure to work with. He always helped me out even on his own time sometimes. The best thing about Academy is that they are fast yet effective at what they do.

—Michael Cocomise

Loan officer and all the staff was very friendly and was always there to answer any questions along the way.

—Matthew Maness

Margaret understands my companies process and the expectations that I have as a Broker. Together we perform well to achieve the customers goals. I appreciate the other team members of Academy Mortgage that help reach our goal of closing the transaction.

—Charlene Diamond

Tyler Payne did a great job of explaining any questions I had and was always quick to reply

—Korie Near

The last minute rush to get paperwork and documents was extremely stressful.

—Dan Webster

I greatly appreciate how quickly my emails were always answered.

—Brian Thacker

As always my experience with Academy Mortgage has been a favorable one. Although we had some challenges with this particular closing due to various external circumstances, Academy went above and beyond to get this file to closing. Chris always exceeds our expectations in working with the buyer to LISTEN to their needs to come up with the most favorable scenario.

—Teresa Harvey

I had the pleasure of meeting and working with Paul Briggs and her was great! He was there every step of the way and made me feel very comfortable the entire time. He earned my trust by checking on me and assured me that he will do everything he needed to to help me with the process. Thank You Paul for your hard work. If I had to do it again I would definitely call you all!

—Tia Foster

Academy Mortgage made my experience as a first time home buyer super smooth. The team is awesome and always on top of everything. We worked with Chris Zalupski and he went above and beyond, always communicating no matter the time. I would definitely recommend Academy Mortgage.

—Billy Guilfucci

My buyers were very happy with the attention Chris gave them, I was updated all along the way to closing. Great

—Vincent Faviano

Mortgage Academy did great. It’s worth recommending.

—Perla Q. Francisco

I thought Chris, Renee and Margie were excellent. They answered all my questions and kept me informed through out.

—Cara Boettger

Chris, Teenamatie and Tonya great to work with !!!

—Bonnie Jones

Paul Briggs was an enormous help from start to finish, my computer would not upload documents correctly, he went out of his way to stop at our house and pick them up. Margaret Twohie was a delight to work with as well!

—Donald Kendrick

Tyler Payne was great to work with and made the loan process very easy for me. He was always available when I had questions or needed additional explanation.

—Charity Daigle

Everything was great. Thanks to everyone for helping get our new home.

—Mary Johnson

Everything from start to finish was smooth and painless. I never felt clueless or lost. I was extremely impressed with the timeliness and professionalism from everyone at the Keene team.

—Keegan Robbins

John Briggs- Fantastic, Brenda-Amazing

—Desmond Thomas

Our experience was outstanding! Mary, Tyler, Teenamarie and more were all wonderful to work with! We had no hiccups during our loan process and that is usually unheard of!

—Addison Kling

Tyler and the rest of the team were very helpful and did everything they could to make the process as smooth as possible.

—Lori Nipper-Brichner

Better customer experience, especially for first timers like me...

—Rachael Anne Claveau

Rhonda,paul and Rene,josh were a very motivated team and very informative as well I felt like I was in good hands and part of the process from start to end

—Tim Smith

Tyler was great to work with. Tyler and team jumped appeared to have jumped through hoops to make sure everything was to my satisfaction and my communicated expectations.

—George Seban

—Tiffany Greene

Paul Briggs was wonderful and was very helpful in obtaining the loan . The closing girl did an excellent job explaining everything.

—April Kelly

I want to thank Chris and also Paul who was there to help me thru the final process.

—Raymond Swanson

Chris Zalupski team was great! The loan was ready for close 3 weeks prior to the actual close date. Love working with Academy.

—Subbeam Baker

Excellent work! Things got a little rough but you guys came through like champs!

—Lenore Gregory

I worked with Margaret Twohie and Paul on this loan. Both loan officers provided exceptional service.

—Charlene Diamond

—Joshua Doty

The people were very friendly and accommodating, and understanding of my particular circumstances, which was a plus.

—Jennifer Cummins

Very helpful and professional

—Casimir Saintcyr

Everyone was very friendly, provided information was not hesitant to answer any questions or concerns we had! i couldnt have asked for a better first time home buying experience

—Rachael O’Rear

Academy Mortgage is very professional and keeps you posted daily on every aspect of the loan process. They take care of all my mortgage needs for our primary residence and investment properties and will use them again.

—Miranda Shepherd

Tyler took a loan that was previously denied by another lender and turned it around. He had very short time frame and the borrower was on deployment which limited his ability to communicate directly with her. The staff at academy took this Challenge handled it with the upmost professionalism. Thank you for a JOB WELL DONE! I would recommend your team any day.

—Tracie Gatto

It was good up until the week of closing and it got a little fusturating about what was required. The closing was fast though once I got there.

—Brian Castaneda

Great team, efficient, timely manner, punctual, flexible, and courteous.

—Kathrine Brown

Teena and Paul were great to work with and the communication was superb

—James Balla

Everyone on the Keene Team was always very responsive and helpful.

—Dallas Atkinson

My very first recommendation when asked by client is Chris and Academy Mortgage

—Vincent Faviano

Tyler Payne and Chris Zalupski were on point. Everytime my client had any questions night or day they were on it. The listing agent and the title company even mentioned how easy they were to work with. Highly recommend~!!!!

—Kris Crecelius

Chris Zalupski was great! He walked me through many things.

—Donna Michelle Snelling

All staff was pleasant and professional.the best company thus far

—Miranda Pollard

Tyler was great.

—Rebecca Hubbard

Communication was great, did not talk to the processor but my grand daughter said he did an awesome job. Margaret was awesome.

—Susan K. Bain

The loan process went very smoothly even from the beginning. Chris was very knowledgeable and explained everything in a way that we as first time homebuyers could understand. I would definitely recommend Academy Mortgage and the Keene team!

—Hannah Sullivan

The Keene team answered all my questions and Margaret even showed up at the closing to see me through the final step.

—Serrenna Upson-Madison

—Corey Rix

I have worked with Academy now on 2 home purchases and have had amazing experiences!

—Mary Huesman

Everyone did a great job I enjoyed working with Academy Mortgage.

—Jane Palmer

excellent service.friendly.

—do lian kap

Paul Briggs was very professional when dealing with me and my loan. I was kept apprised of everything going on during the loan process.

—Laura Woodard

The process was painless. After many failed a frustrating attempts in the past with other lenders

—Kinshasa Allen

—Jeremy Cunniff

Great staff, communication is on point.

—Rachel Martinez

Paul at your office was great, if Chris wasn't available he always took the time and resolved what ever I needed.

—Raymond Swanson

I was never left wondering what was going on with my clients loan process because Tyler was very communicative from day one. My clients are very happy with your service I know and will be definitely be referring you to all their friends and family. Thanks for making it easy even when we were not dealing with the easiest of clients.

—Lawrence B Levine

Paul found a type of grant 3 other lenders we talked to had not heard of because they were not as knowledgeable as Paul and did not do the research he did for us. He also has one of the best temperaments of anyone I have ever met in any professional setting. But the whole team spoke with me there was only a few days throughout process Paul was out of the office which I was made aware and I spoke to several other team members who was also very helpful.

—Adam Mayhew

The Keene Team was just awesome

—Howard Carey

I understand everyone is busy but when I send an email, text or call, I expected a fairly quick response. I didn't have that experience with Tyler. When we did speak with him, he always seemed irritated or bothered. I didn't get that warm and fuzzy feeling with him like I did with our realtor. I could text, call or email my realtor at any time and he would respond within an hour. But didn't have that with Tyler.

—Jennifer Sperry

My loan experience was outstanding. Tyler did an excellent job from start to finish. I could not have asked for a better loan officer during this process. He was extremely informative and truly has a passion and talent for real estate. Susan was also great and very diligent in processing the loan. I had the pleasure of working with a really talented group of professionals here and I appreciate the level of quality service from this Academy team.

—Abram Harrell

It was awesome to work with the Keene Team. I found them to be professional, effective and patient.

—Debbie Taylor

Everyone was very responsive and helpful. The process was seamless and very easy. Paul Briggs and Bianca Perez were very nice and very prompt in returning any calls/messages.

—Brian McChristian

—Thomas Warren

Went well

—Morgan Brooker

Paul Briggs is AMAZING !!

—Clayton Dotson

Paul and Bianca were great! Both were responsive and professional

—Robert Stanfield

—Eugene Anderson Jr

Everyone I dealt with was very helpful and professional

—Shannon Powell

Excellent service. Highly recommend your company. Awesome job.

—Raymond Collazo

Incredible team...awesome experience.

—Sigfredo Fantauzzi

my loan went very smoothly and was quick. I had tried to go with NACA but they were going to take too long and the house I really wanted would have been gone. very satisfied with my experience thank you.

—Shirley McCauley

Work with Paul Briggs who was very kind, understanding and helpful in understanding our needs.

—Fabian Pena