Phil Tocci

Regional Sales Leader
NMLS # 41191
State Lic ME #41191, RI #41191, CT #LO-41191, NH #NH41191, MA #MLO41191

It’s all about service at Academy Mortgage, and our company has been meeting the needs of homebuyers across the United States since 1988. I joined Academy because of its strong reputation for integrity-based mortgage lending, its unwavering commitment to responsible lending practices, and for its broad portfolio of mortgage solutions and tools.

Since joining Academy, I have helped many individuals and families attain the dream of homeownership. Whether you want to buy a new home or refinance an existing mortgage, I will provide a customized solution for you at competitive rates. No brokering, no middleman, no hassle, no surprises.

Academy is a direct lender, which means that my Branch and Regional Offices are equipped to complete the entire loan process in-house—all loan processing, underwriting, closings, and funding are handled locally. As a result, we have a proven track record of closing loans as quickly and efficiently as possible.

We understand the importance of maintaining continuous communication throughout the loan process and commit to providing you accurate, timely, and honest mortgage advice.

I invite you to put us to the test. Let us show you how simple and easy securing a mortgage can be.

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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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

This is my second loan through Academy - the team was extremely responsive and thorough.

—Donald W.

Phil Tocci and Meghan Federico were outstanding. They were patient with our questions, and extremely responsive on a tight closing. They were both a pleasure to deal with over phone and email.

—Naveen Malwal

Loved it

—Jeffrey Falardeau

The whole process went as good as it possibly could. Couldn't recommend Phil and his team more.

—Devin Winters

Phil Tocci in Reading, and the team, were very responsive and flexible as I had a heavy travel schedule during the period of time when I needed to access their portal and submit documents.

—Lynn Nolitt