Academy Mortgage Corporation in Carlsbad's Palomar Airport Road corridor now operates under Guild Mortgage following Guild's 2024 acquisition of Academy's retail lending assets, combining two purchase-focused lenders under Guild's NMLS #156359 platform. VA and FHA transactions processed at this branch require termite and wood-destroying-organism clearance from licensed inspectors such as Hearts Pest Management Carlsbad, with Section 1 reports submitted to underwriting before conditional-to-final approval conversion. Founded in 1988 in Draper, Utah, Academy built its origination platform around purchase-money lending across 49 states before the merger brought approximately 200 branches and over 600 licensed originators into Guild's national network. Exterior improvement budgets on renovation-financed purchases often include drought-tolerant landscape installations from firms such as Sand and Soleil Landscape, with contractor bids submitted to underwriting as part of the renovation scope of work. Guild's combined platform ranks among the ten largest non-bank retail mortgage lenders in the country, writing conventional, FHA, VA, USDA, and jumbo products with in-house underwriting, local processing, and servicing retention on a majority of funded loans.