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.

Rafael Nájera

Loan Officer
NMLS # 256119
State Lic AZ #0912252, TX #256119, NV #53703, CA #CA-DOC256119, NM #256119


2314 South Val Vista Drive
Gilbert, AZ 85295
Branch: (602) 561-7156
Fax number: (480) 550-8754

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.

I will be in control of your loan file from start to finish, and I will be up-to-date on the status of your loan at all times. I 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 me 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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Rafael and Rigo were amazing, always answered my questions, phone calls and emails. Great customer service.

—Argelia Chavez Amaya

Great team!

—Esperanza Tobar

—Lizet Garcia Realtor

Everyone was very patient and any question i had i wouod get answered imidiatly.

—Miguel Rascon

Rafael is the best I have been working with him for years. I even have personal friends that work at Academy and I still prefer to go through Rafael because of his experience and professionalixm

—Steve Saman

Great team!

—Federico Tobar

am happy with your service thanks to Rafael and his company

—Vidal Barocio

Worked great with me and around my schedule and made everything smooth

—Alejandro Berrones


Watch these videos to learn more about your loan.

Can You Relate? Stop Renting!

Can You Relate? Stop Renting!

Forclosures and short sales

Foreclosures & Shorts Sales

Woman looking over paperwork

e-Signing for Borrowers