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Whether you are looking to get Pre-Approved, find what loan program suits you best, learn about the mortgage process, or become a partner with Heppner Team, you've come to the right place. 

*Pre-approval is not a commitment to lend


  • We don’t expect you to be a mortgage expert. The Heppner Team will take the time to explain your different loan options and present you different loan scenarios so we can find the best fit for your unique situation.

  • Customer service is our #1 priority. Part of providing an outstanding experience is making sure you fully understand the different loan options available to you. We will present you with all the options and help you choose the best program for your needs.

  • Ranked #1 Mortgage Lender on Zillow. Academy has more than 25,000 reviews and a 5-star rating, making us the #1 rated lender on Zillow.

  • Principles. We measure success not only in financial terms but also in human terms. We view our customers as people, not as loans.

  • Purpose. Our core purpose is to help individuals and families achieve successful home ownership through responsible lending.

  • Professionals. Academy’s outstanding people fuel the growth of our organization. We hire and retain the industry’s brightest and most capable mortgage professionals.

  • Processes. All of our processes are managed in-house, eliminating the need to outsource or depend on third parties to get the job done.

1901 S. Euclid, Suite 6

Bay City, MI 48706



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