Michelle Camacho

Loan Officer
NMLS # 296674
State Lic CA #CA-DOC296674

I have been a loan officer in Sonora since 1992, where I have been fortunate to work and raise my family with my husband, Chuck. We have 3 children who have recently gone off to college: Peyton, 21; Andrea 19; and Mitchell 17. When not working, we enjoy the outdoors , traveling , concerts and being around family and friends.

My 26 years of experience in the lending industry has given me a unique perspective and background to fully understand the process of buying a home. I will gladly take the time to explain all of your options and help you select the mortgage program that's best for you. No matter what size home loan, I will still provide you with a level of customized service not found with other mortgage bankers, brokers or lenders. Whether you're just starting out, buying a vacation or investment property or simply refinancing, I have a loan that is sure to fit your individual needs. I use my experience to ensure that I am providing my clients with the most precise information so that they can make a decision that is best for them.

My goal is to work closely with you and your Real Estate Agent, provide the best service and help you realize your dream of home ownership and investment in real estate.

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Michelle kept in constant contact with us throughout the loan process and answered any and all questions we had. I appreciated her sincere hardwork and knowledge.

—Allison Freer

Michelle is an amazing professional that kept us informed & up to date through the entire process. Our loan was not cut & dry & had some extenuating circumstances. I have found a mortgage rep for life & made a friend in the process!

—Jim Agee

Michelle Camacho was fantastic. Extremely helpful and always got back to me promptly. She made what could have been a stressful experience very enjoyable. I would recommend her to anyone.

—Damon Plowman

I wasted my time with another lender over a year. Im glad I decided to take the leap with Michelle who in less then 3 months got me into a house. Thank you Michelle.

—Jose Pulido

We had a great experience. Michelle Camacho did an outstanding job of keeping us informed and stayed on top of all aspects of the loan documentation and approval.

—James Costello

As always, Michelle did a great job. I always mark that the team exceeded my expectations because its sounds better, but I know they will always do a good job


You & Staff were so easy to work with,Quick to keep us informed,on everything going on ,You were fantastic.NO other Company, has been as great to work with,that I have done business with . I think that you are TOP OF LINE,hard to beat, Just Fantastic THANK YOU ALL

—Lloyd Edge

Michelle kept us well informed through the whole process. She explained anything that we were unsure of and truly supported us through each phase of the loan process. We were grateful for all her help and kindness.

—Linda Dawe

It's always a great experience working with Michelle, Stacey, and the other team members.

—Brianna Jennings

I was very hesitant to use Academy Mortgage because my first experience (previous home purchase that fell apart) with them was a nightmare, but I am so pleased that we changed loan officer's to Michelle. She has gone above and beyond what was required. I am definitely going to recommend her. Hand's down the best.

—Zach Taylor

We've worked with Michelle Camacho in the past and the experience was great, so we came to her again. It was even better this time, information was clearly communicated and provided promptly; even better, she was so helpful and available to answer questions. She is a gem!

—Nancy Brooks

Michelle Camacho 110%. No suggestions, she was perfect. She worked hard to get us locked in at a low rate before it went up!

—Jessica Vann

No Stress...nuff said.

—Brad Vondrak

She went over and above in her client service relations. Even when she was ill with viral meningitis, she worked from home to see to it we closed in a timely manner. The transaction was an REO, so we were on a very tight timeline, and Michelle made it happen!


Michelle at Academy Mortgage is the best! Always goes above and beyond.

—Suzanne Simpson

We had an awesome experience with Michelle and her team. Fast, professional, and they made the experience smooth and quick.

—Mathew Ricci

Michelle was so great at helping us through this experience!! Between our crazy schedules and our limited time frame she was patient and extremely helpful!!!

—Sarah Splettstoesser

Michelle Camacho is amazing and answered all our questions patiently even during our panic moments ;) We have and we will recommend going to Michelle for any home loan needs!

—Laurie Fisher-Rocker

Michelle Camacho is fabulous, always quick to respond to emails and extremely helpful

—Amber Swan

For a person who had no intention of refinancing, I have turned a huge corner in completing this loan with Academy. Michelle was just the right loan officer to guide me through a vulnerable process that I didn't really want to do. Now it is going to turn my home ownership from a struggle into an opportunity—a game changer in every sense of the word. Without her confident and friendly help, I could have hardly stood the qualification and appraisal steps. I consider myself indebted to her as I make my long list of repairs and improvements to get started on. THANK YOU Michelle, and Academy, for first class service and—way beyond first class—cheerful and focused attention to my needs. It's DONE! Bravo!

—Gail Segerstrom

Michelle Camacho worked with me to get my mortgage. She was the best Loan Officer I have ever had including 5 other purchases with Mortgages before this one. She didn't ever give up even when it looked hopeless or when she was deathly ill and in the hospital. Truly a remarkable experience that I will never forget.

—Richard Resler

From day one I was happy with the service you provided. No matter who I talked to it was friendly and helpful

—Anthony Chubon

Everyone was wonderful, very helpful and calm throughout the whole process

—Taylor May

I had a wonderful experience all around! I started talking to another company first then spoke with Academy and was over the moon happy with the service.

—Kyra Johnson

This was a great experience! I couldn’t have asked for a better loan person to help with us to get our first home Michelle Camacho was very great to work with. She would return calls promptly, answer any questions and help us understand everything they came across during this whole process.

—Dean Stone

Again, our agents were amazing. All I can say is thank you for making our first home purchase such a great experience!

—Arturo Noriega

Michelle Camacho is the best!

—Michelle McQuinn

Michelle ROCKED IT! She was professional and on top of everything as well as answered questions quickly and clearly. We were able to close early due to the efforts of her team. I have already referred a friend and our realtor referred clients to her as well.

—Stephan Lambert

My lead contact was Michelle Camacho, She provided alternatives, explained the whole process, attended to details, followed up on every question I had. We had to change from a VA loan to an FHA loan and she did it seamlessly. She has a great network of people in the industry to assist her. The whole team there were so helpful.

—Donald Grover

Michelle is amazing, kind, patient and very thorough. I could not have asked for a better home buying experience. I will always recommend Michelle, and if I buy another home you know ill be contacting her.

—Stevie Canton

Michelle Camacho was a pleasure to work with. I couldn't be happier.

—Rachel Jennings

Michelle and Stacey were great to work with. Loved them both.

—Sandra Webb