Joseph Duston

Loan Officer
NMLS # 1263571
State Lic GA #44765, FL #LO49103, NC #I-177158
2015220_joseph_duston_JD Picture


5565 Glenridge Connector NE
Suite 400
Atlanta, GA 30342
Mobile: (770) 355-8302
Direct: (470) 225-5184
Fax number: (470) 208-3964
I have over 15 years’ experience in the financial industry. I joined Academy Mortgage because of its strong reputation for integrity-based mortgage lending and its broad portfolio of mortgage solutions and tools. Whether you want to buy a new home or refinance an existing mortgage, I will provide a customized solution for you at competitive rates.

This is my 5th year with Academy Mortgage, I have a proven track record of closing loans as quickly and efficiently as possible. I will be in control of your loan file from start to finish, and you will be up-to-date on the status of your loan at all times. I understand the importance of maintaining continuous communication throughout the loan process and commit to providing accurate, timely, and honest mortgage advice.

I was born in Atlanta and grew up in Marietta. I am a graduate of the University of Georgia and reside in Alpharetta with my wife and three daughters. I invite you to put me to the test and let me show you the highest level of service and how simple and easy securing a mortgage can be.

Home Mortgage Tools

How much will my fixed rate mortgage payment be?

This calculator computes the payments (principal and interest), based on home price, down payment, and other factors.

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This calculator computes the finance amount, based on income, expenses, credit rating, and other factors.

How much home can I afford?

This calculator computes the most expensive house you can buy, based on the highest payment you can afford.

How much will I save by increasing my mortgage payment?

Increasing your payment will reduce the principal on your mortgage, the total amount of interest you’ll pay, and the number of payments.

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very helpfull. great response time.

—Arnold Camarena

I have no complaints, I reached out to Academy because of a recommendation from a family member. Academy was very responsive throughout the process when I had questions and sent me helpful videos along the way explaining each step. They helped me get preapproved for my home faster than the other lender I was considering, then matched the lower rate that the other lender was able to offer.

—Josie McGhee

Everyone I worked with was extremely knowledgeable and helpful.

—William Layng

Joseph did a great job!

—Troy Cosby

The entire team was helpful, knowledgeable, and very communicative. Great experience!

—George Govantes

Everyone that assisted in my loan process took the extra steps to assist me. From explaining the loan process to final closing. If I had any concerns I also received a quick response.

—Bonnie Kimelman

More initial clarity about the costs (downpayment and monthly) of the projected loan and how they might change. A clear worksheet with everything outlined would be good. Also, being clear about where each line on the closing costs comes from. That and having 2-3 people on every email was pretty annoying.

—Frank H Patterson

I couldn’t have asked for a better first time home buying experience!! Joe was so helpful and patient with every question and request I had. I had a strict timeline and though seemingly impossible, Joe, Mercedes and his team were able to help me close earlier than anticipated. I can’t thank them enough.

—Tara Scrogham

Joseph, was so nice and easy to work with. He answered all my questions promptly.

—Melissa Barclay

Joseph & Charles did a great job. The process was faster than what I expected

—Mireya Martinez

Joe & his team were phenomenal and so very professional! I'm so glad we went with Academy for our loan process, it was also easy!

—Mercedes Parker

Joseph is always a pleasure to work with!

—Ashley Riley

My Loan officer-Joseph Duston was very friendly and kept me up to date on my process every step during the processing of my Loan and the closing on my Home Loan processor- Mercedes Settles was so friendly and very thorough during my loan process she went above her duties in get the loan processed quickly I thank each and everyone for help me Jeanell ONeal

—Jeanell ONeal

Working with Joseph and Academy was an easy and thorough process and everything was taken care of exceptionally well!

—Kevin Johnson

Academy Mortgage, especially the Karamitros team, are the best! Great service and are available 7 days a week. Always answer their calls or return calls immediately! Joseph Duston is a knowledgeable and smart loan officer! Very pleasant to work with on loans.

—Joyce & Steve Fahl

Working with Joe Duston at Academy Mortgage is always a great experience. I know I can recommend him to my clients with confidence. He is professional, friendly and a great communicator! He is available to answer questions throughout the process and makes sure all parties are well informed on what to expect. Getting a mortgage is not always the easiest of things to do, but I know Joe will do his best to get it done as smoothly and as quickly as possible!

—Cathy Mastroserio

Joe Duston and Mercedes Settles were absolutely amazing to work with. They made the entire process go so smoothly and kept us informed every step of the way. Would absolutely recommend them to others.

—Jon Thompson

Friendly, informative, efficient, and fast.

—Joshua Conovee

Joseph was very very helpful. There were times when he reached out to me on the weekends. He was very patient with the loan process. Even after the closing, I had some questions, and he made time to talk to me.

—Maruf Chowdhury

My only suggestion would be that when the email is sent saying "congratulations all we need is these 5 (or whatever) more documents and you are done" maybe word that differently so clients are not wondering what is wrong when several more emails come in asking for multiple other documents...maybe say almost done and depending if underwriter ask for more documentation, etc...It can be confusing to buyer who has never been through this process before when they are asked 3 different times for list of documents..

—craig passow

Joseph Duston was always in communication with us and was very prompt in answering all our questions.

—Agnes Gan

The entire team was very efficient and very professional

—Sheila Butler

I've worked with Joseph Duston and his team many times and each time they provide excellent service.

—Alyssa Garrett

Joseph and Mercedes always kept me aware of everything that was to take place and what was needed. Communication was excellent!!

—An-Jeanette Calmes

Everyone was very professional from start to finish.

—Shantilla Kemp

Joseph was phenomenal to work with. He made purchasing my first home seamless. He over-communicated and was extremely personable. Mercedes was fast and great as well!

—Azzleeta Wright

My loan officer helped me alot to get my closing on time

—Hieu Huynh

Working with Mercedes and Joseph was a great experience. They explained everything throughout the process very well.

—Estoria Tabb

Every aspect was perfect! I was constantly informed, along with my Buyer, every step of the way. This has been my experience with Academy for over 10 years now. I always recommend Academy Mortgage.

—Tonia E. Rowland

Everyone provided great customer service.

—Nichola Allen

The loan team provide an A+ plus experience and servicing on my VA loan.

—Andreas Jones

Joseph Duston was very helpful in everything I needed to get my deal done.

—Dave Edwards

AWESOME. Joseph Duston and Mercedes Settles were very professional and once again pleasant through out the whole entire process. Everything happened so quick that I can’t believe I am in my home and I know it’s becuase they put forth the effort to make it happen Please don’t change anything.

—Veronica Messam

Joseph was very responsive and communicated all the details pertaining to my loan. The entire team at their office was such a pleasure to work with! :-)

—Sharline Choudhry

Joseph was very responsive, and handled all of our request in a timely manner. We would like to thank the entire Academy Mortgage team for making our home buying process a seamless transition.

—Lakeevis Tabb

Joseph was excellent!

—Jennifer Johnson

Your team is the best!

—Steve Fahl

Joseph Duston was always in communication with us and was very prompt in answering all our questions.

—Agnes Gan


—Stephen Cotogno


—Violet Hoda

joe was very friendly and readily available for questions.

—Robert Beale

Joe was awesome. He answered all of my questions & called back when he had to contact someone else to answer a question.

—Brad Flournoy

In the very beginning, we had a week of difficulty with even getting access to the online system to electronically sign the needed documents. It turned out that Joseph Duston didn't have the correct home address entered. Once this was discovered, he blamed it on the copy of the contract that was sent to him by our realtor and that it was unclear. I saw the contract that was sent to him. It was clear. He made a mistake on the address with both the house number and the city and blamed the realtor. Later in the process, he claimed that he had in his system that the closing date was supposed to be 5/31/17 but it was really 5/19/17. Again, he blamed the mistake on our realtor. The correct closing date after negotiations with the seller was changed to 5/19/17 (based on advisement from Pina Payne and Joseph Duston that the closing could be executed by then) and was reflected on the amendment. The amendment was sent to Joseph and clearly stated the 5/19/17 closing date and again, Joseph made a mistake he blamed on someone else. Then, when our tax return transcript had not yet been received, he again did not handle it in a professional way. When I emailed asking if we had any more surprises and was there anything else I needed to do (I obtained tax transcripts myself from the IRS and sent them to the lender), he emailed me to call him and that I just didn't understand the situation we were in. We did not have a financially complex lending situation that should have caused these types of issues. I understand that issues come up in lending cases, but it seems that unnecessary issues came up and weren't handled professionally. I completely blame Joseph Duston for all issues that arose in our case. It is not professional to look to blame others when problems arise. I would have had much greater respect for him had he accepted responsibility and handled any mistakes with grace. Due to the issues we had, I would not recommend Academy Mortgage or Joseph Duston to any family, friends or colleagues. This process was much more stressful to me due to my experience with Academy Mortgage. I only ended up with Academy Mortgage because I was already working with Pina Payne when she changed companies. I had no issues with any work done by Pina Payne or Mercedes Settles, the loan processor.

—Bryan and Kelly Turner