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.

Michael Eberhardt

Branch Manager, Producing
NMLS # 205119
State Lic AZ #LO-0911910, CA #CA-DOC205119
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Michael Eberhardt is a Mortgage Loan Officer serving Arizona and California.
He has been in the mortgage industry since 2002; helping people like you obtain their goal of sustainable homeownership. Michael truly understands that mortgages and lending can be unfamiliar territory for many.

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

Does it sound too good to be true? See Michael’s 5-Star rating and reviews on Zillow!

Michael offers Conventional, FHA, VA, USDA, or down payment assistance loans servicing the Phoenix area and beyond including Scottsdale, Glendale, Mesa, Gilbert, Chandler Tucson, San Diego and San Francisco.

Your Home Value

Find out what your current home is worth.

Home Mortgage Tools

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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.

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How much mortgage might I qualify for?

This calculator computes the finance amount, based on income, expenses, credit rating, and other factors.

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How much home can I afford?

This calculator computes the most expensive house you can buy, based on the highest payment you can afford.

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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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Mike Eberhardt is a great loan officer!!

—Ernesto Medina

Mike and Corina are definitely a great team. I trust them with EVERY one of my clients!

—Thomas Sanchez

Just to let all know that I had a great experience with Mike Eberhardt. Mike had made this process very easy for us to follow and very little stress from start to ended. I am very please with Mike and thanks to all the team at the Academy mortgage without the team and I would not be able to get this lovely home that we had dream of. Thank you so much Mike and his team at the Academy.

—Fabian Martinez Rico

Mike is able to simplify the lending process navigating the ever-changing rules of lending. This is not an easy task. But he can speak to a buyer and put it all together in a matter of minutes. Mike has the ability to save everyone time and money by suggesting the proper course of action to fit the needs to the goal and achieve the best end result.

—Lynn Carlton

Mike is able to simplify the lending process navigating the ever-changing rules of lending. This is not an easy task. But he can speak to a buyer and put it all together in a matter of minutes. Mike has the ability to save everyone time and money by suggesting the proper course of action to fit the needs to the goal and achieve the best end result.

—Lynn Carlton

Everybody was very helpful and the whole process went very smooth. thanks for the professional Service

—Kevin McCarthy

I had a very positive experience working with Michael and Mike.

—Daniel Porter

This was our first time buying a home and as stressful as they can be the group at academy mortgage were amazing!

—Ashley McDonald

Michael Eberhardt was excellent, he constantly communicated with me to make certain I was aware of what was going on. Of course, there was an "issue" with this real estate transaction, (which is a true test of your ability to take care of business). Again, Michael was in constant communication with me & he even "contributed" to the cause to make this deal happen. This was my first transaction with Michael...I have his name in my phone book now!

—Partner Satisfaction Survey - Randy Curnutt - Thursday October 9, 2014

Mike & Micheal were very helpful and easy to work with.

—Winston Sheltra

Friendly, very willing to help. I couldn't of been happier with the job Michael did.

—Georgeanna Hebert

From the beginning to the end, I appreciated my experience with Academy Mortgage. Both Michael & Mike, the loan officer & loan officer assistant, responded to my emails & phone calls for updates & any inquiries I had. That is very appreciated during a real estate transaction since everything is time sensitive.

—Beckett Aguirre

Mike was amazing! The whole team down there is effective and on top of it!

—Elijah Dyer

Easy process the entire time

—Joseph Burnside

Mike and his team were the most professional, organized, friendly and we had a flawless transaction. I will be using this team again.

—Mary McArthur - Realtor

I like Mike's quick response, answering my calls and questions honestly and being patient when I got nervous or anxious about the transaction. I like the email updates too!

—Partner Satisfaction Survey - Sylvia Howard - Tuesday April 22, 2014

Mike Eberhardt made sure that he personally picked up the documents from the title company and took them to be processed so that it would fund the same day and I was able to give keys to my clients....

—Debbie Long

Both Michael's were kind,friendly and professional

—Diana Sheltra

Great experience, everything went very smoothly from start to finish. When we would hit a roadblock or setback Mike would somehow find a way around it and we kept plugging away til we closed. Would definitely recommend Mike and this company to anyone looking for a mortgage lender. I will be back for more properties in the future.

—William Corey

Everyone at Academy was very professional, prompt getting back to us and a pleasure to work with......

—Douglas Andriole

I send everyone to Michael Eberhardt! He explains the process to buyers, guides them through improving their credit scores, and is always available to help me run numbers on homes for my clients. He is a valuable asset to my business.

—Rebecca D Acevedo

Michael and Corina were great. They made the process simple and painless. Thank you.

—Crystal Martin

Academy, Mike Eberhardt, was able to successfully close a deal that my preferred lender was not able to close.

—Sheila Watson - Realtor

Everyone was great! Michael Eberhardt did an amazing job with our our loan. Any questions I had, he was there to answer with a smile.

—Maria Peralta

I had 2 transactions within 2 weeks with 2 different lenders. Both using the Home in 5 with seller concessions. Mikes team had almost half the closing costs of the other lender. That's very cool! Thanks!

—Russell Ellis - Realtor

Overall great experience. Michael was a pleasure to work with, very professional and keep us informed throughout the process.

—Edgar Javalera

Academy Mortgage definitely is a service first company.

—John Thornton

I liked the way they try to make it happened, my internet didn't work and requested to sign on papers instead online, both Mike and Michael helped me , I am very grateful for how the people at Academy Mortgage helped me. Mike is an amazing person that Academy Mortgage has.

—Dorina Onofrei-Negoita

Michael Eberhardt was just amazing. We felt he went above and beyond to help me and family get into our dream home. The communication was excellent,anytime day or night Michael was always available to answer any questions we might have had. We highly recommend Academy Mortgage company to any family or anyone looking to purchase a new home.

—Anthony Reyes

Mike deserves all he gets. He is a performer and will do his best for all of his clients, as well as keeping the person who referred him in the "Loop." Mike comes to our meetings here at Century 21 every other Thursday. He was here when I had one of my clients upset because of the closing costs that a loan officer were expanded. I asked Mike what can be done and within minutes, Mike had a few scenarios drawn up for me to present to my clients. My clients were also upset about callbacks from the loan officer they were currently dealing with. Overall, Mike proved himself to be outstanding and overall "Reachable" for any questions my clients had about their loan. It was a pleasure working with him.

—Thomas Sanchez - Realtor

Mike and his team were the most professional, organized, friendly and we had a flawless transaction. I will be using this team again.

—Partner Satisfaction Survey - Mary McArthur - Friday May 22, 2015

Mike is great. He is helping me on several transactions and works hard at getting everything done. I will DEFINITELY keep using Mike. Also, know he just opened a new branch, but he still finds the time to get everything done for me and my clients. It's a pleasure to know Mike and to use his services. Mike comes to our meetings here at Century 21 every other Thursday. He was here when I had one of my clients upset because of the closing costs that a loan officer were expanded. I asked Mike what can be done and within minutes, Mike had a few scenarios drawn up for me to present to my clients. My clients were also upset about callbacks from the loan officer they were currently dealing with. Overall, Mike proved himself to be outstanding and overall "Reachable" for any questions my clients had about their loan. It was a pleasure working with him.

—Partner Satisfaction Survey - Thomas Sanchez - Monday August 24, 2015

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Watch these videos to learn more about your loan.

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