Sari Esnard

Loan Officer
NMLS # 1595039
State Lic OR #1595039, WA #MLO-1595039

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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Very pleased with the efficiency and professionalism of Kathy and Sari

—Greg Lippert

I loved how quickly and painless the whole loan process went.

—Sandi Osterholme

It’s always scary with this stuff, but I’m so glad I chose a trusted friend for the process.

—Dana Jones

Sari Esnard in Astoria, Oregon did what she promised

—William L. Lang



It was much smoother than any previous mortgage experience. Some in the past have been long and drawn out.


I came to Academy Mortgage after having a horrible experience with New Rez. Sari was awesome to work with.

—Deloris D. Hall

Awesome experience!

—Shawna Beckman

—Stephen Stripling

—Troy Michael Sarpola

Sari did an excellent job!

—Linda Moreland

—Deb Stenvall

It was great working with Kathy and Sari- love them both!

—James Caswell