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  Academy Bank Mortgage Refinance

Academy Bank Mortgage Refinance

in Mortgage Refinance from Academy Bank, N.A. · NMLS ID #716627

Unaffiliated

Academy Bank Mortgage Refinance

Unaffiliated

in Mortgage Refinance from Academy Bank, N.A. · NMLS ID #716627

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Highlights
Highlights
Loan Amount Up to $3,000,000
Loan Term (Years) 15 - 30 years

Academy Bank Mortgage Refinance Review

Academy Bank Mortgage Refinance is offered by Academy Bank, N.A. (NMLS #716627), a bank founded in 1966 and based in Kansas City, MO. Academy Bank Mortgage Refinance is available in 50 states (and Washington, DC).

Key Takeaways
  • Mortgage programs available. Academy Bank Mortgage Refinance refinances FHA, FHA 203k, VA, conforming, and conventional mortgages.
  • Interest Rate Types. Academy Bank Mortgage Refinance offers hybrid mortgages and fixed-rate mortgages.
  • Considers personal use and investment properties. Refinancing available for primary homes, vacation homes, and even investment homes, such as rental properties.
  • Charges a prepayment fee. This means you will be charged an additional fee if you repay the mortgage refinance loan early.
Academy Bank Mortgage Refinance Pros & Cons
Pros Cons
  • Available in all 50 states.
  • Charges an origination fee.
  • Charges prepayment fees.
  • No co-sign option.
Academy Bank Mortgage Refinance FAQ

What is the maximum loan term for a mortgage refinance via Academy Bank Mortgage Refinance?

The term of a mortgage refinance will impact the cost of your monthly payments. Longer terms will typically reduce your monthly payments but it will also increase the interest you pay. Academy Bank Mortgage Refinance offers mortgages refinancing with terms ranging from 15 to 30 years.

Does Academy Bank Mortgage Refinance charge a mortgage origination fee?

Yes, Academy Bank Mortgage Refinance will charge a loan origination fee.

What mortgage programs does Academy Bank Mortgage Refinance offer?

Academy Bank Mortgage Refinance offers the following mortgage types:

  • Conventional mortgages: This includes any mortgage that is not insured or guaranteed by the federal government.
  • FHA: Mortgages insured by the FHA, which usually have less stringent eligibility requirements, but borrowers must pay a mortgage insurance premium. Co-applicants are allowed and you can qualify for a down payment as low as 3%.
  • FHA 203k: An FHA mortgage you can also use to finance home improvements.
  • VA: A zero down payment mortgage or a refinance of up to 120% of the home's value for American military members, veterans, and their spouses.

What property usage types does Academy Bank Mortgage Refinance allow?

Some mortgage lenders restrict the type of usage borrowers give mortgaged properties. Academy Bank Mortgage Refinance allows the following property usage types: 

  • Primary home
  • Secondary homes and vacation properties
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Contact

Hours of Operation

  • Sunday Closed
  • Monday 8:00am - 7:00pm
  • Tuesday 8:00am - 7:00pm
  • Wednesday 8:00am - 7:00pm
  • Thursday 8:00am - 7:00pm
  • Friday 8:00am - 7:00pm
  • Saturday 9:00am - 5:00pm

Other Services by Academy Bank, N.A.

Availability

  Available in 50 states and Washington, D.C.
  • Alabama
  • Alaska
  • Arizona
  • Arkansas
  • California
  • Colorado
  • Connecticut
  • Delaware
  • Washington, DC
  • Florida
  • Georgia
  • Hawaii
  • Idaho
  • Illinois
  • Indiana
  • Iowa
  • Kansas
  • Kentucky
  • Louisiana
  • Maine
  • Maryland
  • Massachusetts
  • Michigan
  • Minnesota
  • Mississippi
  • Missouri
  • Montana
  • Nebraska
  • Nevada
  • New Hampshire
  • New Jersey
  • New Mexico
  • New York
  • North Carolina
  • North Dakota
  • Ohio
  • Oklahoma
  • Oregon
  • Pennsylvania
  • Rhode Island
  • South Carolina
  • South Dakota
  • Tennessee
  • Texas
  • Utah
  • Vermont
  • Virginia
  • Washington
  • West Virginia
  • Wisconsin
  • Wyoming

Feature Breakdown

Intended Use
  • Investment
  • Primary Home
  • Secondary Home
APR Starting at 4.24%
Loan Term 15 - 30 years
Loan Amount Up to $3,000,000
Interest Rate Types Offered
  • Hybrid Mortgage
Mortgage Programs
  • FHA
  • FHA 203k
  • VA
Terms 5/1, 7/1, 15, 30 years

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