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.

Tammy Hammond

Loan Officer
NMLS # 405556
State Lic CA #CA- DBO405556


31 N Washington St
Sonora, CA 95370
Mobile: (209) 768-6171
Direct: (209) 694-3234
Branch: (209) 588-8616

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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Tammy went above and beyond to accommodate and make my first home buying experience as easy and painless as possible. Couldn't be more pleased!

—Grant Kutch

Tammy was amazing. She worked very hard to keep everything on track.

—Tatum Estes

Tammy was my loan officer and through my whole experience she went above and beyond to help me through my process. She was available 24/7 even after regular hours. She explained everything I needed to know in terms I'd understand. If I said she was outstanding I feel that wouldn't even describe how amazing she truly was. I will be recommending her to everyone I know!!! Thank you so very much Tammy. You made my experience pleasant.

—Shannon Anderson

Tammy Hammond is amazing and I love working with her. She really puts her heart and soul into the process and does an outstanding job!

—Alison Daniels

Tammy Hammond. She is highly knowledgeable, caring, and friendly. Was a blessing to work with her.

—Daniel Kushnir

Tammy was there for my every need, she was absolutely the best person to have by my side during this process she was very knowledgable and professional. She is amazing at what she does! Thank you Tammy!!

—Caitlin Donovan

Tammy Hammond is always my first choice in lending for my clients!

—Laura Jennings

Tammy has done several loans for my clients and and has always made the process easy and done an amazing job! I highly recommend Tammy to everyone I know!

—Laura Jennings

Everything went very smooth and was a amazing first time experience. I learned so much about a home loan that I didn’t know before purchasing my first home. The knowledge I know now is all due to academy mortgage and doing there online course. I couldn’t be any happier.

—Anthony Barajas

Tammy has done several loans for my clients and and has always made the process easy and done an amazing job! I highly recommend Tammy to everyone I know!

—Laura Jennings

Tammy is so knowledgeable and helpful in every way highly experience very easy to talk to I thank her so much and also her crew without them I will probably in an apartment . Thank you for the job will done.

—Leonora Kyllonen


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