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About Academy Mortgage


Our Process

Academy Mortgage offers great service on your home loan. We will show you prices from our most popular programs, and you choose what’s right for you.


Once you apply with us, one of our highly competent team members will be assigned to work with you all the way through to closing.


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Next Steps

Below are a list of steps that will get you on your way to a new home loan.

Step One

Select a program, rate and point structure that fits your needs. Keep in mind you are free to adjust the terms up to a week before closing, or until you lock in, whichever comes first. Call us at (303) 674-0201 if you're not quite sure and need help.

Step Two

Complete an online loan application in a secure environment. If you run into trouble, just call us at (303) 674-0201 and talk to us directly. We are here to help you through the process from start to finish.


Step Three

Within 24 hours after we receive your application, your loan will be assigned to a professional processor. Your loan processor will review your information with you, and cover any questions you have concerning your credit report.

Step Four

In the next 24 hours, your completed information will be submitted for electronic approval. This approval will determine your eligibility for the program you selected, and establish the necessary documentation needed to get your loan through processing and in to our closing department.

If you are ineligible for the program you selected, your Academy Mortgage professional will even help recommend another mortgage company that may be able to better serve you!

Step Five

The Academy Mortgage professionals will take it from there. You will be sent a completed set of loan documents electronically, or in the mail for your signature, as well as the list of the specific documentation needed to complete the final loan approval. We’ll order the appraisal and title insurance for you!

You are also eligible to "Lock In" your interest rate any time after Step 5 is complete. Please understand that you must "Lock In" at least 10 business days before a scheduled closing date, so we have time to get your closing package shipped. Simply call during business hours and we'll confirm your rate while you are on the phone!

Step Six

When the package is complete, your Academy Mortgage processor submits it to an underwriter for final loan approval, and gathers any additional conditions the underwriter requests.

Step Seven

Academy Mortgage ships your closing package to the title company, and you close on your new loan.

That’s how it all gets done! And it all starts with a our quick Secure Loan Application




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About was created by Dan Smith in 1995.

As a local lender in the Evergreen, CO, market since 1987, Dan wanted to maintain his leading edge in technology and customer service. The site has undergone numerous changes over the years and continues to supply consumers with state of the art mortgage services. Here consumers can submit a secure on-line application, check current rates, or calculate mortgage payments to fit their needs. In addition, Dan has maintained an extensive library of consumer related articles to educate the general public on relevant mortgage topics.


A Colorado Native, Dan Smith grew up in Pueblo and migrated to the Denver Metro area after completing his BS in Economics at the University of Colorado in 1985. He continued his education and in 1986 was awarded American Bar Association certification as a paralegal. Beginning his mortgage career in 1986 with Security Pacific Mortgage, his first job was in their foreclosure department.

It soon became apparent that his talents with customer relations would be better served on the front end of the business, in loan originations. So in 1987, he took his first loan officer position at Pacific First Mortgage serving the foothills area of Evergreen, Conifer and Golden. He relocated his family and purchased his first residence in Evergreen in 1989 and has resided there ever since. As an avid outdoorsman, you are likely to find Dan snowboarding, practicing martial arts, or hiking most weekends.

As Dan himself would tell you, there is nothing more exciting in this business than meeting new people. His customer “first” focus has proven itself over time, with one of the highest repeat customer percentages in the nation. But his success hasn’t changed the way he does business. He still personally meets or consults with each customer, one at a time. He does that to ensure that the product recommended is the best fit for their individual needs. You absolutely will not find anyone more dedicated to “hands on” professional and friendly service.

Experience the difference a caring human being can make in the mortgage process.
Call Dan today at 303-674-0201!


Our Location

Academy Mortgage has offices in 42 states, along with 11 of those in the state of Colorado alone.  Dan Smith’s licensure allows him to help you anywhere in Colorado. He is headquartered out of our Lakewood CO branch at – 300 Union Blvd., #650, Lakewood CO 80228. However, he spends most of his time in Evergreen branch at 1524 Belford Ct. Evergreen CO 80439. And you can always reach him by calling 303-674-0201!

If you need to find an Academy office in any other location, you can always check here ( )


Mortgage Rates

Academy Mortgage is a "mortgage banking" operation. While we may "broker" the occasional loan, there is a distinction between these two types of loan originations that you should know.

"Mortgage bankers" approve your loan in house and lend their own money to facilitate your loan's closing. However, "mortgage brokers" merely pick an investor to send your loan to. The investor then approves your loan and provides their funds at your closing.

So why is this important? Because we make our own decision and use our own funds, mortgage bankers have something called "buy back" liability. If the final investor doesn't like the decision we made, they can force us to "buy back" your loan. The reason that is important to you is because this means mortgage bankers generally get better pricing from the same investors, than mortgage brokers do. It also means we can be more responsive to changes you may want to make to your loan structure, and close your loan in a shorter time frame. In a world where real estate transactions can take many different twists and turns,  it pays to deal with the source of your loan directly!

The rate quotes listed on the home page are the current average price in each program category. Keep in mind that there are a myriad of factors that go into getting you the best quote for your circumstances. If you have very high credit scores, your rate may be substantially better than the rates listed. So e-mail, or contact us, or submit an application today and let us do the shopping for you!

If you are interested in receiving more information about our services please let us know. If you feel that you meet the requirements for our loan program and you wish to apply for a loan online, please visit our loan application page. If you wish to apply via fax/phone, please visit our contact page and we will follow up with the information that you have requested.


Fill out the form with your information and preferred day + time