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!

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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April and Micheal did a fantastic job. They worked with me to keep the deal going and get my loan approved when I was wrongly denied by a bank. Definitely recommend!

—Jesse Bugarin

All were flawless and highly motivated to and did provide the absolute highest caring customer service in the industry.

—Walter Chabert

Michael Pena came to my rescue after I had a bad experience with Wells Fargo. He was extremely knowledgeable, very courteous, patient, and professional. Mr. Pena worked tirelessly in an effort to meet my closing date; he responded to every question, be it text, phone message, or email, with lightning speed whether it was after business hours or during the weekend. I am eternally grateful to him for helping me secure my loan. I will definitely recommend Mr. Pena to my friends and colleagues. My realtor was very impressed as well and stated he planned to recommend Michael to his clients.

—Lori Markle

I was very apprehensive about the entire home buying experience because of horror stories I had heard from friends and family. Then my realtor recommended Academy Mortgage because he had worked with them so many times in the past. From the time the loan process began up until the time that I closed on my new home it was a very smooth process. They requested documentation and I provided it immediately. I didn't feel embarrassed or afraid to be honest about what I could afford. Mike Pena, who happened to be my loan officer was diligent about answering my questions and finding me the best loan terms. He more than exceeded my expectations. If ever I'm in the market to buy another home, this is the only company I will use.

—Jessica Gutierrez

Michael,Amy, and Esmeralda were excellent!

—Nicholas Castaneda

We always have a great experience with Michael Pena And Also His #1 Amy , she is always extremely nice and patient through the process . Our Clients are always pleased and thankful that they used our Lender .


This being the first home ever. I had to the pleasure to work with Ron, Michael, Amy and Laura. If I left out anyone, apologies. I have to say that these professionals are top shelf in terms of feedback and client services. whenever there was something they needed or if there was breaking news in terms of what was going on. they provided Exceptional service and knew exactly what was going on every minute. Polite is in understatement for these outstanding individuals. these guys were really great along every step. A big thanks to all of them for helping my family and I out in our first home purchase.

—Raul Gomez Jr

They sure made this process as easy as possible, no complaints on our behalf!

—Jorge Zamudio

Michael was great during the entire process; from the initial qualification I felt he was trying to help me in every possible way. We did have a couple of miscommunication at the very end of the process but nothing that wasn't addressed on time.

—Enrique Perez Aguilar

Academy Mortgage and Michael Pena, our loan officer, were recommended by a friend who was impressed with the service she received. We too, were impressed with how fast and seamless the entire process seemed to be. Michael effectively communicated everything to us and we loved the fact that we were able to proceed in a manner that accomodated our busy work schedules. The usage of an online profile and electronic signatures was perfect. After an unsatisfactory experience at another mortgage company that we almost proceeded with, we followed our friend's suggestion to reach out to Michael at Academy Mortgage, and were impressed right off the bat. He was confident in explaining what he could do for us through the many options available at Academy. He surely delivered and was able to close our loan in under thirty days.

—Jose Sanchez

Professional, efficient, and great people to do bussiness with. Made sure I was up to date on everything, answered all my questions and solved all my problems. Got my loan approved and made us happy homeowners.

—Christian Gomez

Michael Pena, Amy Humphrey & Sonya Bailey were outstanding professional individuals who made the loan experience easy.

—Sylvia Reynolds

Very smooth process!

—Ryan DeAnda

Being a first time home buyer, I had a ton if questions and frankly, had no idea what I was doing. Mr. Pena was amazing!! He talked to me, looked at my information, and gave me great guidance! Once everything was being processed, he explained each line and each step in terms I could understand! At every step, The Academy group was professional and helpful!! I always felt like I was in great hands. I also enjoyed my update videos.

— Lisa Felan

I will definitely be sending friends and family over to Academy Mortgage. Michael and his entire team are the best! Communicated very well through the entire process and made us feel so welcomed at each and every visit! Not only did they help us make our dream come true , they made so easy !

—Alvaro Camacho jr

I have worked in the past for The largest Mortgage servicer in the country and by far, my experience with Academy Mortgage was the best service and ease of process that I have ever dealt with. I would never go anywhere else in the future. Best possible experience and customer service ever. Their employees give constant feedback and I knew where I was the entire time. I didn't think it was possible, but my experience was completely painless from start to finish.

—Michelle Endicott


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