Derek Egeberg

NMLS# 180899

Branch Manager

Derek Egeberg
Branch Manager

NMLS# 180899
State Lic: CA # CA-DOC180899; AZ # 0915245;
1375 West 16th Street
Suite B
Yuma, AZ 85364
Direct: (928) 247-9089
Mobile: (928) 246-0422

Payment Calculator

Derek Egeberg,  Branch Manager for Academy Mortgage Corporation in Yuma.

Derek has over 13 years of experience in mortgage lending as both a mortgage broker and a mortgage banker.  Derek also has over 20 years of business experience in Yuma.

Derek brings two passions with him everyday. 

1.  Helping first time home buyers overcome their fears and misconceptions about necessary down payments and credit history

2.  Helping educate current homeowners on the “New Rules of Equity Management” and “How to Manage Your Mortgage to Create Wealth”

These two passions along with exceptional service and a personal touch allow Derek to guide his clients through the home loan process. 

 As a community service Derek has instituted several free monthly seminars.  The seminars include:


"First Time Home Buyers Education"

"How to Purchase Your First Rental Property"

"Managing Home Equity to Create Wealth"

"Credit and How the Credit Bureaus Work"

 “Why NOW is the Right Time to Buy”


Derek completed his Bachelors in Business Management from the University of Phoenix and graduated Cum Laude.  

Derek and his wife Sheri have been married for 15 years and are the proud parents of 3 boys who are Disneyland fanatics and play every sport and video game known to mankind.


Mortgage Education

View these helpful tips for becoming a homeowner.
Great experience like all the others.Javier Avila - Realtor

NMLS# 180899

State Lic: CA: CA-DOC180899; AZ: 0915245;

Corp Lic: CA: 4170013; AZ: BK-0904081;

Licensed by the Department of Business Oversight Under the California Residential Mortgage Lending Act;

Tips for a Simple Loan Approval

If you encounter a special situation, it is best to mention it to us right away so we can help you determine the best way to achieve your goals.




10 Steps to Homeownership

From pre-approval to closing, Academy will help you along the road to homeownership. You can count on us for responsible, honest, and ethical service in every step of the process.

  1. Loan pre-approval. Pre-approval allows you to search for a home that you can afford based on your credit, income, and assets. An application and supporting financial documents must be submitted to your Loan Officer, including pay stubs, tax returns, and account statements.
  2. Home search Once pre-approved, start shopping with your real estate agent! When you decide on the right home for you, the terms of sale are negotiated and your agent presents your offer to the seller.
  3. Formal loan application and product selection. After the seller accepts your offer, formally apply for home financing and select the ideal loan product to meet your needs.
  4. Appraisal and home inspection. As your application is being processed, an appraisal is ordered to identify any discrepancies between the sale price and appraised value. Properties are also inspected for water and termite damage and other safety hazards.
  5. Processor’s and underwriter’s review. A loan processor reviews the entire loan file and sends all pertinent information to an underwriter who makes the final decision to approve the loan.
  6. Final loan approval. If you have a good credit score and debt-to-income ratio, your loan will likely be approved. Keep in mind that there may be financial conditions or property conditions that need to be met before final loan approval.
  7. Closing. Final loan and escrow documents are prepared and signed by you (the buyer) and the seller.
  8. Funding. A wire or check for the amount of the loan is sent to the title company.
  9. Close of escrow. Documents that transfer titles are recorded with the county.
  10. Confirmation of recording. The title company authorizes the escrow company (or closing agent) to draft a check to the seller.

Ultimately the final step . . . MOVE INTO YOUR NEW HOME!



For many, the benefits of buying a home outweigh the advantages of renting. With mortgage interest rates at historic lows and rents on the rise, now is an affordable time to finance a mortgage with a fixed monthly payment lower than rent.

If you plan to stay in your home for more than six years, buying a home could save you thousands of dollars over renting. And don’t forget about the noisy neighbors upstairs.

The Benefits of BUYING

Mortgage loan interest is deducted from your state and federal income taxes and a portion of your property taxes may also be deducted.

Fixed mortgage payments (principal and interest) will not change during the loan term whereas rent payments may increase annually.

Owning a home long term allows equity to build and thus your home investment to grow.

The Benefits of RENTING

Renting may be the preferred option for those planning or needing to make a move in less than six years.

Renters are often able to rely on landlords and property managers to pay for and make necessary home repairs.

Some utility expenses may be included in monthly rent payments.

Contact me today to start realizing the benefits of homeownership.

Please consult a tax professional about your specific situation and the tax savings benefits of homeownership.