Academy Mortgage Account: Accessing Your Account Easily

Academy Mortgage Corp. offers a range of lending options, including FHA, VA, and conventional loans. They also provide loan packages to eligible customers. To access your Academy Mortgage account online, you can visit Academy Mortgage's website and log in with your credentials. If you're a first-time user, you'll need to re-register your account by clicking the Register Now button. If you're having trouble logging in, you can contact Loan Servicing at 844-568-4718 or via email at [email protected]. Additionally, you can use third-party services like doxo to manage and pay your Academy Mortgage bills.

Logging into the Academy Mortgage website for the first time

If this is your first time accessing your account on the Academy Mortgage website, you will need to register. Look for a "Register Now" button on the login page and click on it. You will be prompted to create a new account by providing personal information such as your name, email address, and choosing a secure password. Follow the on-screen instructions to complete the registration process.

After successfully registering, return to the login page. Here, you will input your newly created login credentials. Make sure to enter your username and password correctly and pay attention to the correct casing of your password. Once you've entered your credentials, click on the "Login" button to access your account.

In case you encounter any issues during the login process, Academy Mortgage provides support options. You can contact their Loan Servicing team by calling 844-568-4718, Monday through Friday, between 8:00 a.m. and 5:00 p.m. MST. Alternatively, you can reach out to them via email at [email protected]. They will assist you with any login-related issues or other queries you may have regarding your mortgage account.

Changing or resetting your password

If you've forgotten your password, click on the "Forgot Password" link on the login page and follow the instructions to reset it. This will also unlock your account if you've been locked out.

If you know your current password and simply want to change it, or if you've just re-registered your account, log in as normal and navigate to the "Settings" or "Account" section of your account. Here, you should find an option to change your password. Follow the instructions provided to update your password securely.

It is recommended that you use a strong and unique password for your Academy Mortgage account and that you update it periodically to maintain the security of your account. Additionally, consider using a password manager to securely generate and store your passwords.

If you continue to experience issues with your login credentials, you can contact Academy Mortgage's Loan Servicing team by phone at 844-568-4718 (Monday to Friday, 8:00 am to 5:00 pm MST) or by email at [email protected]. They will be able to assist you with any further account recovery or password reset issues.

Getting help with your login credentials

If it is your first time logging in to the Academy Mortgage Corp. website, you must re-register your account by clicking the "Register Now" button. If you have already re-registered your account and need assistance with your login credentials, use the “forgot password/username” links. If you have been locked out of your account, click on the “forgot password” link and follow the instructions to reset your password. This will unlock your account.

If you are having problems logging on, you can contact Loan Servicing at 844-568-4718 Monday–Friday 8:00 am–5:00 pm MST, or by email at [email protected].

Academy Bank accepts Telecommunications Relay Services calls during regular operating hours, including TTY Relay Service (711 calls) and Video Relay Service.

Applying for a loan before finding a property

To access your Academy Mortgage account, you can log in on the Academy Mortgage Corp. website. If you are having issues logging in, you can contact Loan Servicing at 844-568-4718 (Monday to Friday, 8 am-5 pm MST) or email [email protected]. If it is your first time logging in, you will need to re-register your account by clicking the "Register Now" button. If you have forgotten your password, you can follow the "forgot password" link to reset it.

However, it is important to note that this may not always be the best direction as you may find a property that requires special financing or lender approval through a specific bank. In such cases, you may need to go through the loan application process multiple times with different lenders.

Before applying for a loan, it is advisable to explore the various loan packages available and understand how they align with your financial goals and ownership aspirations. Academy Bank's team of mortgage specialists can guide you through this process and help you secure favourable rates.

Additionally, consider the different types of loans available, such as conventional loans or government-backed loans like VA loans or Federal Housing Administration (FHA) loans. VA loans, for example, typically have lower down payment and qualification requirements. You can also look into first-time homebuyer programs and tax credits offered by federal, state, or local governments to increase homeownership in certain areas.

Exploring loan packages

Interest Rates

Interest rates are a crucial aspect of any loan, as they significantly impact the overall cost. Interest rates can be of two types: fixed and adjustable. Fixed-rate mortgages maintain the same interest rate throughout the loan term, providing stability in monthly payments. On the other hand, adjustable-rate mortgages (ARMs) have variable interest rates that may change periodically, causing fluctuations in your monthly payments.

Loan Terms

Loan terms refer to the duration you have to repay the loan. Common loan terms are 15-year and 30-year options. Shorter-term loans typically offer lower interest costs but result in higher monthly payments. It's important to evaluate which loan term aligns better with your financial situation and goals.

Government-Backed Loans

The federal government offers various loan programs to assist homebuyers, such as the Federal Housing Administration (FHA) loan program. FHA loans are popular among first-time homebuyers as they offer lower down payments and closing costs. Additionally, the Indian Housing Loan Guarantee Program and the Native American Direct Loan (NADL) program cater to American Indian and Alaska Native families and veterans.

State and Local Housing Agencies

State and local housing agencies provide loan options for low- to middle-income borrowers, first-time homebuyers, or public service employees. These agencies often have specific eligibility criteria and may offer favourable loan terms for those who qualify.

Special Purpose Credit Programs

These are loan programs offered by private lenders targeting low- to middle-income borrowers in specific communities. They can be a good option for those who might not qualify for traditional mortgage loans.

When exploring loan packages, it is essential to compare offers from different lenders. Tools like mortgage calculators can help you estimate monthly payments and understand the financial implications of different loan scenarios. Additionally, consider seeking pre-approval letters, which demonstrate to sellers that you are a serious buyer without committing you to a specific lender.

Frequently asked questions