Loan Programs
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CONVENTIONAL MORTGAGES
A Popular Product for Homebuyers With Excellent Credit and Money to Put Down
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Academy’s Conventional Mortgages—including Fixed-Rate Mortgages, Adjustable-Rate Mortgages, and Jumbo Mortgages)—typically require a 3%–20% down payment, which results in immediate equity in a new home. -
FHA-INSURED FINANCING
An Ideal Solution for Those With Less-Than- Ideal Buying Power
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With flexible qualification guidelines, Academy’s FHA-Insured Loans are designed to benefit first- time homebuyers and buyers who don’t have perfect credit or a lot of money to put down. -
USDA RURAL-HOUSING
Government-Backed Loans for Homebuyers in Rural Areas
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With government-backed, affordable USDA Home Loans, Academy can provide 102% financing for homebuyers in defined rural development areas. -
VA HOME LOANS
Favorable Loan Terms and Interest Rates for Military Personnel
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Academy proudly offers loan products that meet the home financing needs of active-duty military and veterans nationwide. -
FHA 203(k) RENOVATION LOANS
A Great Alternative for Those Wanting to Buy or Refinance a Fixer-Upper
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Academy’s FHA 203(k) Renovation Loans are designed for people wanting to buy or refinance a fixer-upper and include the costs to repair and remodel the property all in a single loan. -
STATE HOUSING LOANS
Affordable Housing for the Disadvantaged
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Academy’s State Housing Agency Loans provide affordable housing for low- and moderate-income households, underserved minority populations, people with disabilities, and the elderly. -
REFINANCING YOUR MORTGAGE
Have You Looked at Refinancing Lately?
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With interest rates at historic lows, now is the time for you to weigh the costs and benefits of refinancing your mortgage with Academy. -
FHA STREAMLINE REFINANCE
The Simplest and Fastest Way to Refinance an FHA-Insured Loan
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Qualified FHA-insured homeowners may use this tool to refinance their home without providing proof of income and possibly without a home appraisal.