Rick Warner

Loan Officer
NMLS # 136217
State Lic MI #136217


1901 S Euclid Ave
Suite 4 & 6
Bay City, MI 48706
Mobile: (989) 239-3154
Direct: (989) 698-3284

We are 100% focused on retail mortgage banking.

We deliver exceptional mortgage service.
We are committed to responsible lending practices.

We provide market-leading mortgage solutions and tools.

Unlike banks and mortgage lenders that consolidate operations and service offsite, Academy has the distinct advantage of being a direct lender, which means all loan processing, underwriting, closings, and funding are handled at our local branch offices. Our branch offices have the tools and resources in-house to expedite these processes, resulting in our proven track record of closing loans as quickly and efficiently as possible.

Our company is recognized nationwide for our unwavering commitment to responsible lending, especially in today’s rapidly changing economy. We are a top-tier lender for purchase, FHA, resale, and builder loans.

Academy soars ahead of the industry by continuously delivering the Gold Standard in customer service. Our Loan Officers are easy to access and provide timely response, clear communication, and absolute follow-through. Our long tradition of customer satisfaction with our Realtor, Builder, and other Partners is affirmed year-after-year in our quarterly Partner Satisfaction Surveys.

Academy is headquartered in Salt Lake City, Utah; has over 260 branch offices across the country; and is licensed to originate loans in 49 states and Washington, D.C.

It is still extremely rewarding after 25 years experience when I see my clients at the closing table. Helping someone to either buy a new home, refinance their existing properties, build something new off of a blue print or remodel their dream home it is truly a job that you enjoy going to every day.

Thank you for your business and of course I appreciate all your referrals!
Family, friends or co-workers they will thank you for your help!


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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Rick Warner was excellent at communicating with me on all aspects of the loan process. Even as he recuperated from back surgery the communication continued from wherever he was.

—Gerry Beckman

We worked with Rick Warner. Rick was always available to answer any of our questions and/or concerns. Before we found our house, he told us what documents were needed for the mortgage process, which allowed us to have the time to find everything. He kept us updated throughout the whole process. Very organized and always explained what he was doing for us. We couldn't asked for an easier "first time home buying" process. Thank you for everything!

—Ryan Parrott

It was great, they were available 7 days and returned phone calls quickly in the off chance they didn't answer.

—Neil Belanger

It was a great experience working with Rick Warner. He was always available and very helpful!

—Joseph E Wimmer

Academy Mortgage was a company I had never heard of prior to speaking with my realtor. I am so glad I made the call to this company. I am happy with the service, from the beginning to closing on my house last week.

—Garrett Sharpe

Rick Warner is a pleasure to work with, regarding my clients seeking financing. Issues and documents that arise with seeking financing are promptly dealt with. I love the fact that he keeps me updated on the latest guidelines & comes to closings.

—Beate Behrens

Rick Warner guided us every step and was always there to answer questions or make suggestions. The whole process went smoothly thanks to Rick's expertise and experience. I will recommend Academy Mortgage to my friends and neighbors based on the excellent service provided by Rick and the staff at the Hougton Lake office.

—Jeffrey Youell

Rick Warner. Fantastic! Can't say enough about him. He helped us threw the course of a year to build us up to the point we could buy our first home. He was thorough with everything. If we ever needed a loan again he's going to always be our man! All our friends and family will be recommended to him and the academy company.

—Keith McQuiston

I was very impressed with the communication not only with the loan officer but with the closing and draw departments.


This was the first time meeting Rick Warner and we are very pleased with him. He goes out of his way to please you , he also goes above and beyond what he has to do to please you.

—Terrence Dennis Parker