Joni Utnage

18946 https://prod.dxp.academymortgage.com/about-us/team/joni-utnage/detail

Senior Loan Officer

NMLS #689931

Direct (727) 592-8390 Cell (217) 714-0883

joni.utnage@academymortgage.com

I am licensed in: FL #LO94548, IL #031.0055337

Welcome:

Joni Utnage is a Mortgage Loan Officer serving all of Florida and Illinois. Joni has been in the mortgage industry for over 20 years; helping people like you obtain their goal of sustainable homeownership. Joni truly understands that mortgages and lending can be unfamiliar territory for.....

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Stop believing these mortgage myths

Mortgage myths can cost you—and even keep you from reaching your big-picture goals. Here are several worth rethinking.

Featured Loan Programs

For every unique situation, we offer a tailored solution

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Conventional Loans

For homebuyers with good to great credit and money to put down, this is by far the most common type of home loan.

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FHA Loan

Even if you don’t have great credit and you lack the savings for a down payment, an FHA Loan offers a clear path to homeownership.

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VA Loan

Active-duty military members, veterans, or eligible family members can purchase a home without putting any money down.

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Getting started

Useful tips and practical advice to help get your homeownership journey started.

Credit score

Learn about what goes into your credit score and how it impacts your home loan.

Buying process

Get up to speed on everything from choosing a real estate agent to home inspections.

Down payment

Learn how much you need to put down as well as strategies for first-time homebuyers.

Loan education

Mortgage 101 for buyers who need help understanding their options.

Veterans

Learn more about the amazing benefits of a VA Loan and how to unlock them.

Insurance

Understand the basics of mortgage insurance and why you might need it.

Selling

Helpful guidance for homeowners thinking about or getting ready to sell.

Downsizing

Consider these important topics if you’re ready to move into a smaller space.

Home improvement

Tips for adding value to your home and how to finance renovations.

Refinancing

How to figure out when the time and situation is right to refinance your home.

Home equity

Learn more about how to take advantage of your home’s value.

Loan help

Get help with your My Mortgage app, including instructions for accessing, uploading, and signing documents.

Homebuying 101

Mortgage basics

Loan types

Mortgage trends

Get expert insights into the latest news about mortgage trends and how they impact you.

Housing market

Stay up to date on where the housing market is right now — and where it's heading.

Real estate agents

Expert mortgage advice so you can better service your existing clients — and attract new ones.

Industry professionals

If you're a mortgage professional, we'll help you stay on top of the latest products and trends.

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Advice, tips, and trends for beautifying —and enjoying — the place you call home.

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Lifestyle

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What’s in your emergency fund? Here’s how much financial experts say you need to stay afloat.

Real estate agents

9 time-saving tools for real estate agents

Work smarter, not harder? These user-friendly tools for real estate agents make it possible.

Let's work together

I will always take the time to explain your options, answer any questions you may have, keep you informed, and guide you through every step of the mortgage process, from the beginning to closing.

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Joni Utnage

Stop believing these mortgage myths

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