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.

Umar Gebril, J.D.

Area Manager
NMLS # 507083
State Lic FL #LO26181, HI #HI-507083, ID #MLO-17312, IL #031.0038249, NV #52236, CO #100500419, CA #CA-DBO507083, WA #MLO-507083, OR #507083, AZ #LO-0927915
Umar_Gebril, J.D._637018163489770921

After spending the first 12 years of my mortgage career as a top producer (ranked in the top 5% nationally) at a few of the largest "mega-banks" in the country, I joined Academy Mortgage in 2014 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.

As more banks and lenders consolidate operations and service offsite, Academy has the distinct advantage of being a direct lender. All loan processing, underwriting, closings, and funding are handled locally. Academy is a direct lender, which means that my branch is 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

Academy is headquartered in Salt Lake City, Utah; has over 140 branches across the country; and is licensed to process loans in 48 states. 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.

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 would be honored for you to put us to the test. Let me show you how simple and easy securing a mortgage with Academy Mortgage can be.

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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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I was not looking forward to the home-buying process in the current competitive Seattle market. I recently separated from my husband and dreaded the additional stress of finding a home, securing financing, outbidding other buyers, etc. Fortunately, I made the very smart decision to add Umar Gebril from Academy Mortgage to my team. Along with my awesome realtors, Umar helped me secure the first home I made an offer on (and beat out 4 other offers) and even closed my loan a day early on our already aggressive deadline. We closed in 7 business days, which definitely gave me a competitive edge. In addition, Umar served as a reassuring, calm voice of reason throughout the process, which was key for a panic-prone first time home buyer like me. He gave me really good advice and was extremely responsive to my many questions. I also really enjoyed the personal service you get from working with a smaller boutique firm - I was able to meet the woman who was underwriting my loan and felt really plugged into the process throughout. I highly recommend Umar and his team at Academy Mortgage!

—Pamela Boyd

Umar was incredibly insightful, warm and great with communication and timeliness. Sarah was also a pleasure to work with even though we only worked together for a short time. I especially enjoyed one of the final touches being that Umar sent little house cupcakes to my work to make me feel as excited and special as I should... and to get to share it with my coworkers was the real icing :)

—Sabrewilde Owens

I was gonna go with my own bank before our real estate agent recommended Umar. I'm very open for more choices and don't see why I should not give it a trial. Ironic to find out my connection is also working with Academy Mortgage. Umar and his team are fantastic! The entire process was so painless and simple! Love the funny videos during the process. I would recommend them to friends & family.

—Annie Tieu

Greatly exceeded our expectations.

—Dwight Gaston

The best experience we have had this far in a home loan process. Everyone was wonderful and super timely in getting the loan processed.

—Sean Ballentyne

Highly competent people who know the business, honest in getting me the best deal, great rate, efficiently dealt with the quirks involved in obtaining a subordination of a very favorable existing line of credit so it didn't need to refinance it. Greatly exceeded my expectations.

—Martin Morfeld


Watch these videos to learn more about your loan.

Can You Relate? Celebrate the Downsize

Can You Relate? Celebrate the Downsize


Renovation Loans


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