5587

MORTGAGE

3500+

TRUSTED CLIENTS

5572

SUCCESFULL STORIES

2540+

FIRST TIME HOMEBUYERS

Mortgage Programs We Specialize In

VA Mortgage Loans

A VA (Veterans Administration) guaranteed home loan is the preferred loan program for active, non-active, Reserve, National Guard, and retired military of the armed forces because there is no down payment needed and no private monthly mortgage insurance required.

Home Equity Lines of Credit

For homeowners interested in making some property improvements without tapping into their savings or investment accounts, the two main options are to either take out a Home Equity Line of Credit (HELOC), or do a cash-out refinance.

203K Rehab Mortgage Loans

Have you found that “almost perfect” home in the right location that is selling at a reduced price because it needs a little rehab work?

Jumbo Mortgage Financing

A Jumbo, or non-conforming loan, is required for financing on a mortgage that is higher than the conforming loan limits set by Fannie Mae and Freddie Mac.

FHA Mortgage Loans

The FHA's mission driven organization encourages home ownership and provides affordable housing opportunities with low down payment and flexible credit requirements.

Conventional Home Loans

Most lenders would consider a conventional mortgage as a loan that conforms to the guidelines set forth by Freddie Mac and Fannie Mae, the two government sponsored enterprises (GSEs) that provide liquidity in the mortgage market.

Reverse Mortgage Senior Loans

A reverse mortgage is a loan available to seniors, and is used to release the home equity in the property as one lump sum or multiple payments. The homeowner's obligation to repay the loan is deferred until the owner dies, the home is sold, or the owner leaves (e.g., into aged care).

 

WELCOME TO YUMA, AZ ACADEMY MORTGAGE

The lending experts at Academy Mortgage in Yuma, AZ have been helping first-time homebuyers and seasoned investors with their residential home loan needs since 2000. As active members of the local real estate community,

the Yuma Academy Mortgage team hosts many live educational seminars to teach real estate agents and borrowers about the changing lending regulations and unique qualifying guidelines.

PLENTY OF SUCCESS STORIES, LET US HELP YOU MEET YOUR GOAL

Loan Programs

Our Licensed Loan Officers

Derek Egeberg

NMLS 180899

Branch Manager

Derek has over 15 years of experience in mortgage lending as both a mortgage broker and a mortgage banker.

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Ray Ochoa

NMLS 214114

Senior Loan Officer

Ray has over 20 years of experience in mortgage lending as both a mortgage broker and as a mortgage banker.

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Stephenie Converse

NMLS 304542

Senior Loan Officer

Stephenie's continuing education helps her meet the individual needs of her clients.

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Tera Greene

NMLS 304548

Senior Loan Officer

Tera possesses a deep understanding of the Arizona and specifically, Yuma housing market and the needs of the people in these areas.

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Edward Arvizo

NMLS 216943

Senior Loan Officer

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.

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What people say about us

Thank you for all your hard word!! The staff at Academy Mortgage is the BEST!!!!!!!!!!!!!!!!!!!

Nancy Kramer

Great people! Always there to help no matter how many times you ask a question!

Kevin Heather Gray

Let us help you get started

expert lending team you can trust

Serving Yuma County, AZ Since 1998