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 Pena

Sales Manager
NMLS # 1150599
State Lic TX #1150599
Michael Pena
I consider it an honor and pleasure to have the opportunity to work with the hardworking and deserving people in my community, especially my fellow veterans and their families achieve their goal of home ownership. I was born and raised in San Antonio and have a passion for this city. I went to Antonian College Preparatory and subsequently was appointed to The United States Air Force Academy. In 2004, upon graduation, I was commissioned as a 2nd LT and began my military career, right here at Brooks City Base. After my time in the service, I went directly into finance and worked as a personal financial adviser and corporate financial consultant before finding my calling as a Mortgage Loan Officer.

My primary goal is to help every single person in San Antonio and the surrounding areas achieve the American dream of homeownership. I accomplish this goal through unparalleled customer service, hard work and attention to detail. My team and I will do whatever it takes to surpass your expectations and make the mortgage process simple, easy to understand and pain-free! When I was 17 years old I took an oath to abide by the core values of the Air Force: Integrity First, Service Before Self, and Excellence In All We Do.

My commitment to these principles has never wavered and are fully integrated into my life and my career. I look forward to helping you get the keys to your American Dream!

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.

Print page


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