Who We Are

Welcome

It’s all about service at Academy Mortgage, and our company has been meeting the needs of home-buyers across the United States since 1988. I joined Academy because of its strong reputation for integrity-based mortgage lending, its unwavering commitment to responsible lending practices, and for its broad portfolio of mortgage solutions and tools.

About Us

Since joining Academy, I have helped many individuals and families attain the dream of homeownership.

Whether you want to buy a new home or refinance an existing mortgage, I will provide a customized solution for you at competitive rates. No brokering, no middleman, no hassle, no surprises.

Academy is a direct lender, which means that my Branch and Regional Offices are equipped to complete the entire loan process in-house—all loan processing, underwriting, closings, and funding are handled locally. As a result, we have a proven track record of closing loans as quickly and efficiently as possible.

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. I understand the importance of maintaining continuous communication throughout the loan process and commit to providing you accurate, timely, and honest mortgage advice.

Services

Conventional Loans

A conventional loan is a mortgage that is not guaranteed or insured by any government agency, including the Federal Housing Administration (FHA), the Farmers Home Administration (FmHA) and the Department of Veterans Affairs (VA). It is typically fixed in its terms and rate.

Requirements:

  • 620 credit score required
  • Singlewide and larger
  • Manufactured Home must be permanently installed on site

USDA Loans

USDA loans are zero-down-payment mortgages for rural and suburban homebuyers.

Requirements:

  • 0% down
  • 620 Credit score required
  • The property must be located in a rural area, as designated by the local RHS office.
  • Doublewide and larger
  • Manufactured Home must be permanently installed on site
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VA Loans

VA Loans provide veterans with a federally guaranteed home with no down payment.

Requirements:

  •  0% down
  • 620 Credit score required
  • Singlewide and larger
  • Manufactured Home must be permanently installed on site for at least one year prior to application.
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FHA Loans

An FHA loan is a mortgage that’s insured by the Federal Housing Administration (FHA).

Requirements:

  • 580 Credit score required
  • Singlewide and larger
  • Manufactured Home must be permanently installed on site

Get Started Today

I invite you to put us to the test. Let me show you how simple and easy securing a mortgage can be.

Clay.Cummings@academymortgage.com
5665 Dallas Parkway, Suite 250,
Frisco, TX 75034

Phone: 469-322-2908
Cell: 940-231-5676