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Getting the right mortgage starts with understanding all your options.

A Conventional Mortgage is any mortgage loan not insured by the federal government. They are ideal for buyers with good credit and money to put down, however lower down payment options are available.

FHA Loans

With flexible qualification guidelines, FHA loans are particularly designed to benefit first-time homebuyers and buyers who don’t have perfect credit or a lot of money to put down

USDA Loans

USDA Home Loans are affordable and backed by the federal government. Qualified program participants must purchase a home in an eligible rural area, as defined by the U.S. Department of Agriculture.

VA Loans

Home financing for active-duty military and veterans. VA home loan programs offer favorable loan terms and at an interest rate typically lower than rates charged on other types of mortgages.


When you refinance your mortgage, you pay off your existing mortgage and replace it with a new mortgage that typically has a lower interest rate, term period, or monthly payment.


We are a participating lender for the Michigan State Housing Development Authority (MSHDA), which offers mortgages at reasonable interest rates for low and moderate income persons.

Academy Mortgage has one of the largest variety of mortgage products available. In addition to programs listed above, we also have other programs available including Jumbo Loans, FHA 203K Rehab Loan, and the USDA Construction Loan, among several others. Please contact us if you are interested in finding out more about our other mortgage options.

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