Travis Wentworth

NMLS# 145360

Loan Officer

Travis Wentworth
Loan Officer

NMLS# 145360
State Lic: WA # MLO-145360;
601 W Main Street
Centralia, WA 98531
Branch: (360) 330-4464
Mobile: (360) 508-1360
Fax: (888) 885-6992
Circle of Excellence Award
Presidents Club of Top Producers

Academy Mortgage was a pleasure to work with and made my job as a home buyer very easy.Rocky R Rogers
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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.


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NMLS# 145360

State Lic: WA: MLO-145360;

Corp Lic: WA: CL-3113;


Home equity improves for 1.2 million homeowners

More individuals who were impacted by the real estate crisis in 2008 have regained equity in their homes. According to the Fourth Quarter 2014 Equity Report from CoreLogic, a leading financial, property, and consumer information and analytics company, more than 1 million people who own homes saw their equity go up again after being underwater in 2014.

CoreLogic's report indicated an impressive number of borrowers regained equity in 2014. The data indicated that the national equity share climbed to 89%. However, number of homeowners now have positive equity on their houses. However, some properties remain underwater.

"Negative equity continued to be a serious issue for the housing market and the U.S. economy at the end of 2014, with 5.4 million homeowners still 'underwater,'" said CoreLogic President and CEO Anand Nallathambi. "We expect the situation to improve over the course of 2015. We project that the CoreLogic home price index will rise 5% in 2015, which will lift about 1 million homeowners out of negative equity."

While underwater homes persist, progress among some homes is a good sign of a strengthening housing market. Based on CoreLogic's Home Equity Report from the fourth quarter of 2013, the results of the latest edition revealed notable progress in the volume of underwater homes. In 2013, 13.3% of homes had negative equity. The new report indicated that this statistic dropped 2.5 percentage points in the fourth quarter of 2014. 

Different regions have varying equity situations. While the share of properties with negative equity across the nation sits at 10.8%, certain areas of the country have varying portions of local homes that are underwater compared to the national figure. The top five states with mortgaged homes underwater included: 

  1. Nevada
  2. Florida
  3. Arizona
  4. Illinois
  5. Rhode Island

The top five states containing properties with mortgages that had positive equity included:

  1. Texas
  2. Alaska
  3. Montana
  4. Hawaii
  5. North Dakota

In addition, the total value of the home seemed to impact whether the property had a positive equity position. A total of 94% of houses valued at more than $200,000 had positive equity, while only 84% homes worth less than $200,000 were above water.

Academy Mortgage is one of the top independent purchase lenders in the country as ranked in the 2014 CoreLogic Marketrac Report. Visit to find a loan, get a rate, or calculate your payment today.


Foreclosures continue to decline

The housing market continues to show signs of improvement into 2015. As the economy strengthens and Americans gain more financial stability, maintaining home ownership seems easier, and homeowners are less likely to foreclose. 

Number of repossessed homes fell last year. According to data released by RealtyTrac, a real estate information company,  foreclosure filings in 2014 dropped 18% from 2013 and 61% from 2010, when the foreclosure rate was at its highest point historically. In addition, 2014 proved to be the lowest number of foreclosure filings since in 2006.

The drops in filings appears to be additional evidence indicating an improving housing market, according to The Guardian. 

"Foreclosures are no longer a threat to home values nationwide," said RealtyTrac Vice President Daren Blomquist.

Some states saw an uptick in Real Estate Owned property in 2014. While nationally there was a dramatic drop in foreclosure filings, nine states saw an increase in REOs, according to RealtyTrac. Some states that saw more foreclosures included:

Academy Mortgage is one of the top independent purchase lenders in the country as ranked in the 2013 CoreLogic Marketrac Report. Visit to find a loan, get a rate, or calculate your payment today.


Cuts to FHA fees receive praise

On Jan. 7, President Barack Obama announced a plan to lower fees associated with home loans distributed by the Federal Housing Association. The reaction from the National Association of Home Builders, one of the largest trade associations in the nation, was overwhelmingly positive. The National Association of Realtors, another trade association, also announced support for the decision.

NAHB applauded Obama's plan. New-home construction may increase if demand rises due to lower fees. The Wall Street Journal reported economists' enthusiasm for the loosening qualifications required to apply for a U.S. home mortgage. With more accessible home loans, a greater volume of qualified borrowers are encouraged to enter the housing market. The NAHB valued the improved affordability and released a statement regarding its appreciation for the plan.

"NAHB commends the president for taking action to reduce FHA's annual mortgage insurance premiums by 50 basis points to 0.85%," said Kevin Kelly, the NAHB Chairman. Kelly also stated lower premiums may encourage and assist first-time home buyers enter the housing market. He also believed this was an indication of FHA's financial improvement. 

The association is confident in the president's decision. In addition, CNBC reported home? builder stocks were on the rise. Lennar, Toll Brothers, PulteGroup, KB Home and DR Horton saw gains after President Obama's announcement.

Members of the NAR agreed with the intended plan. The real estate association's opinion on Obama's announcement was also positive, according to its press release.

"As the leading advocate for homeowners, Realtors strongly support Obama's plan to reduce annual mortgage insurance premiums on home loans backed by the Federal Housing Administration, which are currently so expensive that in 2014, roughly 234,000 credit worthy borrowers were priced out of the market," said Chris Polychron, president of the NAR.

He continued to state affordable loans offered by the FHA would encourage first-time homebuyers that have been discouraged by higher fees. Over the past four years, the percentage of first-time buyers applying for FHA loans has decreased 17%.

Polychron stated that NAR predicts the execution of this plan could result in 90,000 to 140,000 additional home purchases each year. The real estate association forecast a great deal of growth in the housing market as a result of the president's announcement.

Academy Mortgage is one of the top independent purchase lenders in the country as ranked in the 2013 CoreLogic Marketrac Report. Visit to find a loan, get a rate, or calculate your payment today.