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Steve Heath

Steve Heath

Loan Officer

1215 W Center Street, Suite 204, Manteca, CA 95337
Own what matters
Own what matters

Let’s find the right home loan for you

We have loan options to fit every situation, from down payment assistance programs for first-time homebuyers to government-sponsored programs for military families and rural residents or jumbo loans in high-cost markets.

Conventional

Conventional

A Conventional loan is a great option if you have an average to high credit score and little debt. This allows you to take advantage of lower interest rates. With these types of loans, you have the option to put 20% down, which eliminates the need for private mortgage insurance (PMI) and saves you money. If you don’t have a large down payment saved up though, don’t worry. We have Conventional loan options for down payments as low as 3%.
Down payment assistance

Down payment assistance

If you’re purchasing your first home, you have options to buy without saving a full down payment. Down payment assistance (DPA) programs can help with your down payment in the form of a loan or grant that is often forgiven over time.
FHA

FHA

If you’re looking to buy on a tight budget, these loans are a great option. It’s easier to qualify for FHA loans because they carry lower credit score requirements and lower down payment options starting at 3.5% down. They’re also insured by the Federal Housing Administration (FHA) and only issued by FHA-approved lenders.

All loans are subject to underwriter approval; terms and conditions may apply. Subject to change without notice.

Testimonials

Testimonials
4.99 out of 5.0 stars
4.99
Kevin T
Apr 14, 2023
Verified

Good communication.
Abraham
Apr 15, 2023
Verified

Steve’s communication was consistent, informative and timely.
Charles C C
Apr 15, 2023
Verified

Steven provides progress reports for all involved properties, we always know where we are in the process. Most importantly, borrowers have total confidence in Steven. Real estate agents and brokers are quick to take credit for a sale but it’s always the lender that makes it happen. Steven always makes us look good.
Erika
Dec 08, 2022
Verified

The process was easy and quick.
Carlos
Dec 08, 2022
Verified

Steve was great to work with, he communicated very well! This was a very pleasant experience, I will highly recommend him to my friends and family.
Nicholas
Nov 15, 2022
Verified

Steve made the experience amazing. He was helpful and informative. Every step of the process was easy to understand and explained really well when we needed it. Would definitely recommend him and academy mortgage to anyone I know in need of a loan. Thank you again for making it an easy and painless experience.

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NMLS ID #1290125
I am authorized to do business in the state of California. Licensed by the Department of Financial Protection and Innovation under the California Residential Mortgage Lending Act;