We bought our house in July 2015 using Academy Mortgage, Downey branch. We were first time home buyers and it was horrendous experience. We were in escrow for 4 months. We were lied to, employees would not respond to inquiries, communication between appraiser, loan lrocessor, his manager, and the underwriter was ridiculously slow. Underwrier was a category on her own, telling us things which were untrue about laws and requirements of FHA. The whole process was a nightmare. After experience with Academy Mortgage in Downey I am traumatized and will probably never buy a house again. Please avoid the Downey branch.