Randy Watkins

Loan Officer
NMLS # 177234
State Lic TX #177234

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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Randy Watkins has been a great partner for me and my clients to insure their dream of home ownership. His caring and communication skills are qualities that set him apart from other lenders.

—Jan Belcher

Randy has an extraordinary knowledge level of products, rates and programs available to clients. He is prompt in response to inquiries from both agent and client. I am very grateful to have Randy Watkins as my primary Loan Officer. He provides a wealth of knowledge regarding all loan types and utilizes creative strategies to offer the best product and achieve the ultimate goal which is getting the client the loan they need to get into the home they want. He continues to provide excellent customer service by establishing realistic expectations, prompt response times, and accurate updates. His service begins before the loan and continues through and after the transaction always keeping focus on the client relationship.

—Julie Harper