One of Baltimore's Most Trusted Mortgage Lenders

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Baltimore’s Top Home Loan & Mortgage Refinancing Company

In all our years in the mortgage lending business, we have seen many clients come in who are overwhelmed by the homebuying process. We know it’s a lot. The mortgage lending business is complex and takes many years to master. We’re here to make getting a home loan easier on you.

Some potential Baltimore homebuyers come in with concerns that they may not qualify for a home loan because they are low income, have little savings or their credit score is not as high as they’d like it to be. Many are pleased to learn that they may be eligible after all! There are special programs that make it easier for more people to become homeowners.

If we think there’s a chance you may not qualify, we tell you what you need to do to get into the best financial shape possible, so you improve your chances of approval.

We’re here to help you become a Baltimore homeowner. We Inspire Hope, Deliver Dreams and Build Prosperity.

 
 

Home Loans and You

The typical homebuyer is usually unaware of the sheer volume of home loan options available to them. This is natural, because they are not expected to be experts in the industry. That’s our job! We are constantly monitoring changes and new developments, so we can offer our clients great service.

We sit down with each individual customer and learn about their finances and their background, because this helps us match them with a great home loan option for them.

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Fixed-Rate and Adjustable Rate Mortgages

The type of mortgage you choose can affect your monthly payments. We can explain the difference to you and recommend which option is better for your situation.

Find out more today.

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FHA LOANS

If you’re low income or if your credit score isn’t as high as you would have hoped, an FHA Loan may be right for you. Ask our mortgage lenders for more information.

Learn more about FHA Loans today.

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State Housing Agency Loans and DPA Programs

Not everyone is able to save money for a down payment. A Down Payment Assistance Loan could help get you into your dream home. Ask us how.

Read more here.

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USDA Loans

If you’re willing to live in a rural area outside of Baltimore, you may qualify for a USDA Loan. Talk to us about whether you should apply for this type of loan.

Read more here.

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Conventional Mortgages

Homebuyers with good credit scores and money saved up for a down payment are great candidates for Conventional Loans. Our mortgage lenders can assist you with your application.

Find out about its benefits here.

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VA Loans

If you’re a Veteran or the surviving spouse of a Veteran, you may qualify for a VA Loan. You pay no monthly PMI with these $0-down loans. Ask us how to qualify.

Read more here.

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Renovation Loans

Remodeling is a great investment, but it can be pricey. Our mortgage lenders can show you how to get a Renovation Loan to fund your home improvement projects.

Find out if you qualify.

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Refinance Loans

Baltimore homeowners may be able to save significant money with a Refinance Loan. Our mortgage lenders can fill you in on details.

Learn more today.

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Jumbo Mortgages

If you have your heart set on a historic or palatial Baltimore property, you may need a Jumbo Mortgage. The Academy team can help you apply for this special program.

Read more here.

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Reverse Mortgages

Baltimore homeowners 62 and over can apply for a Reverse Mortgage to help them meet their monthly expenses. Talk to us to find out if you’re a good candidate.

Read more here.

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First-time Homebuyer Loans

Some mortgage programs in Baltimore are designed just for first-time homebuyers. Ask us if you’re eligible for $0 down with one of these great programs.

Read more here.

Considering Refinancing Your Baltimore, Maryland Home

Homeowners considering mortgage refinancing stand to save thousands of dollars. How much you can save depends on several factors, however. Let us fill you in.

What brings many Baltimore homeowners into our offices is a drop in the interest rate. If the current interest rate is even 1% below the interest rate on your mortgage now, you could save substantially by refinancing.

If you go this route and you choose to keep the same terms, your monthly payment will likely be lower. If you extend the term, it could be significantly lower. However, you could opt to shorten the term instead, which would mean your monthly payments would be higher, but you would be done paying much sooner, thereby saving more over the life of the loan.

Homeowners with an adjustable-rate mortgage may want to take this opportunity to switch to a fixed-rate mortgage. A fixed-rate mortgage can offer more stability to the homeowner, since payments are the same each month.

Get Cash Back from Your Mortgage Refinance

Another benefit that may be available to you when you refinance your mortgage is the option to get cash back. This can be a lifesaver for a cash-strapped family who needs money to pay bills. It could also be a means to finance a car, home renovations, a trip or another purchase.

Mortgage refinancing can be helpful, but it’s not always the case. Talk to the experts at Academy to find out if now is the right time for you to refinance your home in Baltimore.

Why Choose Us?

It’s true that mortgages are about numbers, but they’re about more than that. Buying a home can be a visceral, emotional process. You want not only a learned professional by your side, but a friendly face as well. Academy is not just a website; we’re a brick-and-mortar structure with live people inside who enjoy helping Baltimore residents become homeowners. When you work with Academy, you get great service, and you make a friend in the process. Contact us today to get started securing your part of the American Dream.

 

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


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