Ryan Valentine

Loan Officer
NMLS # 1396315
State Lic AZ #LO-0931263, OK #MLO21234

Se habla español.

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.

Print page

Ryan made home buying simple. He was always available and encouraged me to ask questions.

—Joel Putz

Ryan was very accommodating and easy to work with. When i had any questions he took the time to answer them thoroughly and also pointed me to a few websites so that i might better understand the loan process.

—Josh Eick

Ryan was great and always made sure to let everyone where we were. great with communication

—Amber Valentine

Academy made sure to get though all obstacles. The buyers were extremely happy with them as well!!! Team well done :)

—Amber Valentine

Great flexibility and thinking outside of the box on certain issues we ran into.

—Scott Church

I was impressed with Ryan's Sense of Urgency. He was very quick to reply to my various questions and showed a lot of initiative to educate my Wife and I during the process.

—David Hixson

Good experience, constant contact

—Juan Armenta-Aguilar

I had a stress free experience. It was so great having information on what was happening after submitting so much information and waiting for things to continue through the process. Also, my questions and any concerns were answered timely and with great feedback. It made the whole process so much better especially during such a busy time in my life.

—Jennifer Lopez


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