Tony Goddard

Branch Manager
NMLS # 220459
State Lic UT #5532278


Welcome to my web site. I've been in the mortgage industry since 1997 and I have originated loans for Utah's 2nd largest credit union, the nation's largest home builder, and the largest residential mortgage lender in the world.

Working for Mountain America, Centex Homes (CTX Mortgage) and Bank of America Home Loans has provided me with a level of expertise that will help put you in complete control of your mortgage process.

I've chosen to originate loans here at Academy Mortgage for one simple reason--local underwriting and operations. As you probably know, the home loan process has become increasingly difficult, but having to deal with out of state policy makers proved to be an unacceptable level of service for my customers and business partners.

More important than statistics is the level of communication that you will experience throughout the process of obtaining your mortgage. Your loan is not a "file" that gets parked in processing or underwriting or closing. At Academy your loan is a reflection of all the fears and joys, and the expectations and uncertainty, that accompany the single largest financial transaction most of us will ever make. Rest assured your satisfaction with me and my staff is the most important part of my job.

Also, don't hesitate to make a safe and secure loan application here at my site. I will be notified immediatly and will call you at my first opportunity to confirm that your personal data has been received. I look forward to speaking with you soon.

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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We were very happy with our experience and how quickly it went!

—Jennifer Martin

Best experience!!

—Karen Stephens

The refi process was fantastic. Tony was great to work with and explained timing, process, and what to expect.

—Steve Lesher

Everybody was great very professional and accommodating. Thanks to Tony Goddard for all the work he did.

—Chad Cornish

Tony and Ady were both professional and friendly all the way through. They were clear and informative at all times.

—Joseph Vignogna

Very helpful and professional.

—Edin Islamcevic

We worked with Tony Goddard and he was right on it from the start. He was able to qualify us when others said it was not possible and he gave us our options and let us choose the best path. No complaints.

—Michael Martin