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.

Rick Ervin

Branch Manager
NMLS # 169457
State Lic MI #169457
2014423_rick_ervin_COLOR CASUAL

It’s all about service at Academy Mortgage, and our company has been meeting the needs of home-buyers 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 home-ownership. 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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Freida was great to work with.

—Cassandra King

I thoroughly enjoy working with Rick, and will continue to do so in the future.


Very pleased. Everything was completed in a timely manner.

—Jason Goodwin

Rick, Christina and Freida were awesome to work with and made the process very easy!

—Jake Betzer

Everyone I worked with during the home loan process was awesome! Made everything easy and pleasant.

—Lee-Anne Disel

Excellent communication skills.


Rick Ervin and Frieda Tillman provided excellent support, and answered all of our questions. They provided quick responses to all inquiries even after hours or on the weekend.

—Andrew Wehrman

It was very professional, smooth, and all of the were very helpful and caring.

—Benjamin Grohs

Rick, Freida, and Christine in particular were amazing! We really appreciate how quickly they worked to get the loan processed so that we could close on our house within a month. We were very impressed and will most definitely reccomend them to anyone!!

—Michelle French

—Jason Johnston

Rick and his team very helpful, courteous and professional throughout the process. My wife and I are both self employed and were required to provide extension documention. Rick & his team were patient, understanding and displayed excellent communication skills, all while under the demand of an apparent heavy workload! Great job, great team!

—Shane Boyle

Academy Mortgage does excellent job of mortgage processing and keeps the home buyer in the loop and informed as well as the realtor of the transaction


Rick and Freida do a great job. I enjoy working with them.


Rick Ervin and Freida Tillman were both exceptional through the whole process. They answered any questions I had in regards to the process.

—Samantha Adams


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