One of Meridian's Trusted Mortgage Lenders

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Home Loan Lender and Mortgage Refinancing Experts in Meridian

As a full-service mortgage lender, we offer a wide range of financing solutions. From Idaho FHA and USDA Loans to VA Mortgages, Conventional Loans, and more, we have access to lending programs of all types. Our team will work with you to find your most favorable option, a loan that meets both your needs and your budget.

We believe that everyone deserves the opportunity to own their home without threatening their financial security. And that’s what drives us every day to help our customers find the best home loans in Meridian.



Meridian Local

Our Mortgage Programs

Owning a home remains one of the pillars of the American dream—and home loans help us get there.

At Academy Mortgage in Meridian, Idaho, we can help find what you're looking for. Whether you are planning to buy a house, refinance your existing property, or put a Reverse Mortgage on your home, we have loans for every price range and budget.


Fixed-Rate and Adjustable Rate Mortgages

Fixed and adjustable mortgage rates offer predictability or more variability within your monthly payments. Our Meridian mortgage clients get access to both.

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One of the most widely-used starter mortgage programs is the FHA Loan, which comes with limited credit requirements and several financial benefits to buyers.

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State Housing Agency Loans and DPA Programs

For various professions or personal situations in Meridian, state-run Down Payment Assistance (DPA) or low-interest mortgage programs are available.

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USDA Loans

Are you considering buying or building a home in a rural area? Many will be eligible for USDA Loans with a credit score of 640 or above, allowing for no-down mortgages.

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Conventional Mortgages

If you’re a Meridian homebuyer with good or great credit, you might benefit significantly from the low down payments associated with Conventional Mortgages.

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VA Loans

Few loan programs are as beneficial as the VA Loan, which is offered to many active-duty military service members, Veterans, and their families.

Find out if you qualify today.


Renovation Loans

Through a single Renovation Loan, Meridian buyers or homeowners looking to renovate, remodel or purchase a fixer and repair it can receive all the funds they require.

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Refinance Loans

We’re happy to offer several refinancing formats to homeowners looking to replace their mortgage and improve their loan terms, interest rates or monthly payments.

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Jumbo Mortgages

Any Meridian homeowner or buyer looking for increased funds for a larger home should inquire about our Jumbo Loan program, which can offer up to $1.5 million in loan funds.

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Reverse Mortgages

Older adults of at least age 62 are often eligible for Reverse Mortgages, which pay out on their equity or help them acquire a favorable mortgage.

Learn more today.


First-time Homebuyer Loans

Many of our Meridian homebuyers are entering the market for the first time. Choose from several ideal loan options—Conventional, FHA, VA and several others.

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Meridian’s First Choice for Home Refinance Loans

Is it time to refinance your Meridian, Idaho, home? Mortgage refinancing is a big step, and the professional team at Academy Mortgage can help you determine if replacing your current home loan with a new one makes good financial sense.

Refinancing could result in a lower interest rate a reduced monthly mortgage payment, better home loan terms or all three. Taking out a Refinance Loan could also allow you to drop the extra expense of private mortgage insurance or tap into the equity of your home. As a homeowner, you have plenty of reasons to consider refinancing, and our loan experts can evaluate your current mortgage and explain how a refinance loan can benefit you.

If you love your Meridian home, but want a home loan that best meets your needs and budget, mortgage refinancing might be the right option. And if you’re ready to take the leap, we’re here to help.

Mortgage Refinancing Solutions for Meridian Homeowners

Mortgage refinancing involves much more than rate shopping. When you refinance, you could opt to extend the term of your home loan to lower your monthly mortgage payment. Or, if you’d prefer to build up equity more quickly and you can afford to put additional cash toward your loan, you could choose a shorter term.

For more predictable monthly payments and an easier time budgeting, switching from an adjustable-rate to a fixed-rate home loan can be an effective strategy. Cash-out refinancing lets you convert the equity you have in your Meridian home into funds you can use any way you like.

Whatever your mortgage refinancing goals, the lending specialists at Academy Mortgage will try and help you find a home loan that provides you with the benefits you're that best suit your need. And with us, the process of securing a refinance loan will be simple and stress-free.

Why Choose Us?

We’re committed to responsible lending practices, and we handle the loan processing, underwriting and funding in-house. Our team also works directly with real estate agents, title companies, appraisal services, and others who are integral to these processes. As such, we’re able to move everything along more quickly and meet every need.

Choose us, and you’ll have mortgage and loan experts working on your behalf, ready to explain your financing options, answer your questions and offer advice. We care about our customers, and with our streamlined process, innovative mortgage tools, and extensive variety of loan solutions, working with us is a great way to achieve your financing goals.


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

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Corp State Lic ID #MBL-671