One of Manteca's Most Trusted Mortgage Lenders

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Qualified Home Loan and Mortgage Refinancing Lenders in Manteca, California

Getting a home loan isn’t difficult—the hard part is getting the right home loan for you. That’s where we come in. We’re the expert mortgage lenders at Academy Mortgage of Manteca, California.

The truth is, there is a dizzying array of home loans available today. In fact, it is entirely likely that you may have not even heard of them all. There are government loans, private loans, loans for low-wage earners and Veterans—and that’s just scratching the surface!

If you thought you couldn’t get a home loan because your credit score is not the best or you don’t have enough money for a down payment, we’re happy to tell you that you’re mistaken.

Or if you’re in a good financial position but you’re worried you can’t get a Conventional Mortgage because you have your eye on a big-ticket home, we can help you obtain a Jumbo Loan to cover the cost.

The bottom line is, nothing should stand in the way of your dreams. Come and talk to the local, friendly experts at Academy Mortgage of Manteca. We’re here to help put you in the house you’ve always wanted. Don’t wait—call today!


Our Home Loan Options

Here at Academy Mortgage, we think everyone should have the opportunity to realize their dreams of homeownership. We spend countless hours learning about new home loan options that can serve not only the typical homebuyer, but also homebuyers with fewer advantages.

Many hardworking individuals and families have less-than-perfect credit scores through no fault of their own. College debt may be affecting your finances, or you may be low-income. But we think these are not reasons to be denied a mortgage.

Come talk to your local, friendly mortgage lender at Academy Mortgage in Manteca, and find out how we can put you in the house you’ve always wanted.


Fixed-Rate and Adjustable Rate Mortgages

Our Manteca mortgage company talks over your financial situation with you and helps you decide whether a fixed-rate or an adjustable-rate mortgage is better for you.

Find out more today.



A Federal Housing Administration Loan targets low-to-moderate-income homebuyers who may have lower credit scores than typical homebuyers. No one should be excluded from homeownership in Manteca!

Get more info here.


State Housing Agency Loans and DPA Programs

A State Housing Finance Agency Loan or a Down Payment Assistance program help make homeownership affordable in Manteca. Our mortgage lenders will see if you qualify and help you apply for this valuable assistance.

Read more here.


USDA Loans

The U.S. Department of Agriculture provides special opportunities such as 0 down to low-income earners willing to live in a rural area. Come talk to our mortgage specialists in Manteca and find out if you qualify.

Read more here.


Conventional Mortgages

Conventional Mortgages are aimed at those with good credit scores who don’t qualify for low-income programs and can make a down payment. Our Manteca office can help you with this type of mortgage.

Find out about its benefits here.


VA Loans

These loans typically require no down payment but are available only to qualified Veterans or their surviving spouses. Ask our mortgage specialists in Manteca if you qualify.

Read more here.


Renovation Loans

Are you planning to renovate your home? Talk to our mortgage specialists in Manteca about getting a Renovation Loan to help with expenses.

Find out if you qualify.


Refinance Loans

Whether you need a little cash in hand or you just want to take advantage of lower interest rates, our mortgage specialists in Manteca can help you with a refinance loan.

Read more here.


Jumbo Mortgages

Don’t let anything stand in the way of getting your dream home in Manteca. Come to us for help applying for a Jumbo Mortgage when a conventional one doesn’t cut it.

Read more here.


Reverse Mortgages

If you’re 62 or older and looking to trim your monthly expenses, a Reverse Mortgage might be for you. You could be eligible to use the equity in your Manteca home to live comfortably in your retirement.

Read more here.


First-time Homebuyer Loans

Ask our mortgage lenders about special programs for first-time homebuyers in Manteca, including 0 down, low down payments, 100% financing and no closing costs. These programs make it easy to become a homeowner!

Read more here.

Boost Your Finances by Refinancing Your Manteca Mortgage

Many homeowners come to us when they’re considering mortgage refinancing. This option can help boost your financial coffers in several ways.

First, if interest rates have fallen since you obtained your mortgage (or since the last time you refinanced) you could save many thousands over the life of your loan by refinancing.

You may also refinance to get lower monthly payments, or to shorten or lengthen your loan term.

Some of our customers come to us for refinancing to take some equity out of their home. They may use these funds as a bridge during trying times, to make home improvements, pay college tuition, start a business, lend money for a down payment to a relative, or another reason.

Refinancing is often a good idea and can save you money—but not always. Our customers trust us, and they value our honesty. Come talk to the mortgage experts at Academy Mortgage of Manteca to find out if mortgage refinancing can help you.

Why Choose Us?

At Academy Mortgage of Manteca, you get the best of both worlds. You get the financial security of working with a large, established, national firm coupled with the personal service our mortgage lenders are known for providing. Our staff is local; our customers see our mortgage lenders at the park, the pro shop, or getting groceries at Costco. They know that they can rely on us to deliver the individual, targeted assistance they want—and have come to expect.


CONTACT US for more information about Academy Mortgage, your 1st CHOICE Home Loan Lender!

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Corp State Lic CA #4170013

Licensed by the Department of Financial Protection and Innovation Under the California Residential Mortgage Lending Act