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
Se habla español.

Rick Ervin is a Mortgage Loan Officer serving Mt. Pleasant, Michigan.
He has been in the mortgage industry for over 22 years; helping people like you obtain their goal of sustainable homeownership. Rick truly understands that mortgages and lending can be unfamiliar territory for many.

Over the years he has had the opportunity of working with people who have a wide variety of situations and has helped them achieve their financing goals. Whether you are a first—time homebuyer, refinancing or buying your third investment property, Rick will guide you through the loan process seamlessly by providing quality communication and advice. Rick can provide a wide range of home loan options that makes the most sense for your situation.

What are the benefits of working with an Academy Mortgage Loan Officer? The thing that makes Academy so great to work with is that we are a direct lender. This means each branch and regional office is equipped to complete the entire loan process in—house. Rick will be in control of your loan file throughout the entire process. This system allows for continuous communication and has given us a proven track record of closing loans quickly and efficiently.

Download Rick’s My Mortgage: Mobile App today for a trusted mortgage calculator and his contact information.

Does it sound too good to be true? See Rick’s impressive rating and reviews on

Rick offers Conventional, FHA, VA, USDA, MSHDA, or down payment assistance loans servicing the Central Michigan area and beyond including Alma, Ithaca, Saint Louis, Clare, Gladwin, Houghton Lake, Higgins Lake, Grayling, Big Rapids, Greenville, and Gaylord.

Your Home Value

Find out what your current home is worth.

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

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

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


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

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

—Lee-Anne Disel

Excellent communication skills.


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

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

—Jake Betzer

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

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


Very pleased. Everything was completed in a timely manner.

—Jason Goodwin

—Jason Johnston


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