Justin Holyszko - USA Mortgage

Justin Holyszko - USA Mortgage I am committed to providing my customers with mortgage services that exceed their expectations. NMLS: 170956 | Co. NMLS: 227262 | Equal Housing Opportunity

Your Neighborhood Lender



Shopping for a home in Bay City, Michigan? Come see Justin Holyszko at Academy Mortgage! He has been in the mortgage industry for over 14 years helping people like you obtain their goal of sustainable homeownership. Preparing to buy a new house is serious business. In fact, it may be the largest single purchase you’ll ever make. As such, you want a great mortgage loa

n for your situation. That’s why clients choose Academy Mortgage. Academy Mortgage is a big company with a small-town feel. When you work with Justin Holyszko , you can come in anytime to talk to him about your home loan choices or mortgage refinancing. He can help educate you about your options to get you ready for homeownership. Whether you’re wondering if mortgage refinancing could save you money or trying to find the ideal loan option for your first new home, come talk to Justin Holyszko and the professional team at Bay City, Michigan. Academy’s business model allows Loan Officers to close loans as quickly as possible. That’s because everything is done in-house. From processing and underwriting to closing and funding — it’s all done locally. There are no mortgage brokers, bankers, or others to drag their feet and slow down the process. Your Home Loan Options



Many factors can affect the type of home loan that is right for you. Justin Holyszko will take the time to fully review your credit and ask important questions about your specific situations. He can help you come up with a game plan to get you ready for homeownership. Whether you are looking to refinance your current mortgage, or purchase your first home, make an appointment today to come see Justin Holyszko. Let their professional team help you find your ideal mortgage solution and experience the Academy difference. Justin Holyszko offers Conventional, FHA, VA, USDA, [MSHDA, or down payment assistance loans servicing the Tri-City area and beyond including Midland, Saginaw, Gladwin, Harrison, and Reed City.

Home. Community. The people who make it all possible. Happy Thanksgiving! From Guild Mortgage!
11/27/2025

Home. Community. The people who make it all possible. Happy Thanksgiving! From Guild Mortgage!

It's official! Loan limits will increase to $832,750 in 2026. Shop now with your increased buying power - let's get star...
11/26/2025

It's official! Loan limits will increase to $832,750 in 2026. Shop now with your increased buying power - let's get started.

Tell us how you earn, and we will partner with you to create a path to homeownership 🤝
11/18/2025

Tell us how you earn, and we will partner with you to create a path to homeownership 🤝

prides itself on being 100% . We believe that every employee at the should benefit from the company’s continued gro...
10/15/2025

prides itself on being 100% . We believe that every employee at the should benefit from the company’s continued growth and success.

Do you want to know more about what it means for a company to be employee-owned? Learn why it is such an important part of our company culture 🎉

At USA Mortgage, we take great pride in being 100% Employee Owned since 2018. We firmly believe that all employees should reap the rewards of the company’s ongoing growth and achievements.

Being means that everyone shares in the success. We witness the outcomes of our hard work, the magic we create, and th...
10/13/2025

Being means that everyone shares in the success. We witness the outcomes of our hard work, the magic we create, and the fulfillment of dreams 🏠

If you're interested in learning more about working with our team of and how we are dedicated to turning the dream of into a reality, reach out today!

📲 989-245-0373
📩 [email protected]

Regardless of your financial circumstances, the is here to support you! Click the link below to effortlessly embark on...
10/09/2025

Regardless of your financial circumstances, the is here to support you! Click the link below to effortlessly embark on your journey to 🏠👏

It’s easy to get prepared for your application. Depending on your unique financial situation, there are several documents you might need when applying for a home loan. It’s a good idea to start prepping your financial documents before you start to ensure a smooth application process. Here is a l...

As the late fall season approaches and the draws near, many sellers are eager to secure a new home before winter sets ...
10/07/2025

As the late fall season approaches and the draws near, many sellers are eager to secure a new home before winter sets in.

This creates a prime opportunity for prospective buyers, as sellers tend to be more flexible in negotiations and may accept lower asking prices 🏠🎃

📲 989-245-0373
🔗 https://brnw.ch/21wWqlc
💻 https://brnw.ch/21wWqld

October is , which reminds us to keep our spending in check and prepare our budgets - especially when it comes to a hou...
10/03/2025

October is , which reminds us to keep our spending in check and prepare our budgets - especially when it comes to a housing spend limit 🏠💸

In the year and the months leading up to buying your new home, it’s smart to stick to a budget that works for your current lifestyle and financial situation. Visit https://brnw.ch/21wWkjP to start your journey.

I'm proud to be a and humbled to be recognized as a at the 🏆A huge thank you to my amazing borrowers, industry par...
10/02/2025

I'm proud to be a and humbled to be recognized as a at the 🏆

A huge thank you to my amazing borrowers, industry partners, and fellow - your trust and support made it possible for me to earn a spot on USA Mortgage's Q3 Top Producer list! 🎉

September was an incredible month for my team and our fantastic borrowers 🔥🏠🔑Huge thanks to everyone who trusted us to b...
10/02/2025

September was an incredible month for my team and our fantastic borrowers 🔥🏠🔑

Huge thanks to everyone who trusted us to be part of their . We’re grateful to help you take that exciting step toward ! To start your own journey, reach out today!

➡️ 989-245-0373
➡️ [email protected]

October is - around here, we call it . What does it mean to be employee-owned? Everyone who works at the company is a...
10/01/2025

October is - around here, we call it . What does it mean to be employee-owned?

Everyone who works at the company is an owner; and experiences:
▶️ More retirement savings
▶️ More net worth
▶️ Better job security
▶️ Better job compensation
▶️ Better work culture

Check out all the reasons on our blog: https://brnw.ch/21wWgpc

Address

201 6th Street, Unit 207
Bay City, MI
48708

Opening Hours

Monday 8am - 5pm
Tuesday 8am - 5pm
Wednesday 8am - 5pm
Thursday 8am - 5pm
Friday 8am - 5pm

Telephone

+19892450373

Website

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Justin Holyszko - NMLS #170956

Academy Mortgage is 1st CHOICE in delivering the dream of sustainable homeownership. We accomplish this mission by providing exceptional service and customized loan solutions and tools. Academy also has the distinct advantage of being a direct lender, which means all loan processing, underwriting, closings, and funding are handled at our local branch office. As a result, we have a proven track record of closing loans as quickly and efficiently as possible. CoreLogic ranks Academy as one of the top independent purchase lenders in the country.