Amy Cairn

Senior Loan Officer

Amy Cairn
Senior Loan Officer

NMLS# 294849
State Lic: UT# 5460939;
1526 Ute Blvd
Park City, UT 84098
Work: (435) 645-3923
Mobile: (435) 640-1878

With 18+ years in real estate and mortgage lending, I bring real world knowledge to my mortgage practice. I am passionate about serving my clients, business partners, and team. I have been a top producing sales manager, I have originated over $165,000,000 in loans in the past 6 years. But, the most important part of my practice is you! My Service Level Commitment insures you will have an extraordinary experience. I will earn the right to be your life long mortgage advisor. I look forward to the opportunity to work with you.


Amy Sharpless


You are too awesome! Thank you so much for everything that you have done for us. We are so excited to get settled and enjoy our new home - thanks for always looking out for us. - The Gray's

I wanted to take this opportunity to thank you for your assistane and professional manner that you extended during the loan process. Kim Duffett

Thank you for the phone call several days ago, we are indeed very happy with our mortgage and our incredibly pleased with our rate. The entire refinance was very smooth, no complaints, and we will absolutley pass your name along. Thanks again Amy, you rock! - Anne Bellew

Just a note to let you know we appreciate your outstanding service during our home building project. Thanks for going above and beyond what you would normally expect. We look forward to doing business with you in the furture and would highly recommend you to other clients. - Harold and Pam Patrick

I really learned alot, thanks for taking so much time. - Tom

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We are proud to be one of the top independent purchase lenders in the country. We achieved this distinction by continually providing exceptional customer service and by following responsible lending practices, especially in today’s rapidly changing economy.Adam Kessler, President, Academy Mortgage

NMLS# 294849

State Lic: UT: 5460939;

Corp Lic: UT: 5491140-NMLC;


Move-up Buying Activity on the Rise

September 17, 2013
Now is the time for trade-up buying. The recession and housing downturn left many Americans with underwater mortgages. However, years later, the housing market has come a long way, and homeowners are finally seeing their equity increase enough - some to the point where they can trade up for a more expensive home.
According to a report from FNC, a real estate data firm, home price gains have enabled many Americans to move up when purchasing a new property.
"An important sign of a healthy and sustainable recovery is increased housing turnover driven by trade-up buying, which is more or less discretionary spending," said FNC Director of Research Yanling Mayer. "These buyers are typically more responsive to market conditions and financial incentives."
As mortgage rates are on the rise, these buyers are recognizing that the historically low rates of today might not be around tomorrow. Move-up buyers are finding that now is the time to make a purchase. Eric Tan, a Redfin real estate agent in Los Angeles, said that these move-up buyers know that if they don't act now, they will be kicking themselves in three months. So just how many buyers are trading up?
Here's what Daren Blomquist, vice president of RealtyTrac, had to say:
"The increase in the share of equity sales reflects a market that is fully transitioning from investor purchases of distressed homes to primary home purchases by households," said California Association of Realtors Vice President and Chief Economist Leslie Appleton-Young. "The market continues to improve as more previously underwater homes gain equity due to recent upward movements in price."
Home equity jumps in Q2. As 2013 has been a strong year for the overall housing recovery, many Americans have seen the equity on their homes rise. Just in the second quarter, nearly 2.5 million residential properties returned to positive equity, according to a report from CoreLogic.
Academy Mortgage is the #1 Independent Purchase Lender as ranked in the 2012 CoreLogic Marketrac Report. Visit to find a loan, get a rate, or calculate your payment today.

Both home values and sales showed strong gains in 2013

The housing market continued to show significant improvements in 2013, providing optimism for those considering a purchase in the new year. 

A recent report from real estate brokerage Zillow highlighted just how much home values increased in 2013. Here's what the data showed:

However, the report did point out that the large appreciation in 2013, followed by a moderate gain in 2014, shows that the housing recovery is still underway. Where home values might have been increasing at an unsustainable pace, any deceleration will help certain markets level out. 

"At the same time, we expect more homes to be available this year as more sellers enter the market and more homes get built, and a decline in investor competition should make for a more hospitable market for many buyers," said Zillow Chief Economist Stan Humphries. "While a truly 'normal' market remains a ways off, we expect to take more steps in that direction as appreciation moderates, negative equity recedes, federal stimulus is withdrawn and foreclosures wane."

Home sales also jumped in 2013. A separate report from the National Association of Realtors showed that there were 5.09 million home sales in 2013, marking a 9.1% increase from 2012. 

Lawrence Yun, the NAR's chief economist, noted that the housing market has seen a healthy recovery over the last few years. 

"Existing-home sales have risen nearly 20% since 2011, with job growth, record-low mortgage interest rates and a large pent-up demand driving the market," Yun said. "We lost some momentum toward the end of 2013 from disappointing job growth and limited inventory, but we ended with a year that was close to normal given the size of our population."

As both home values and sales increased in 2013, the momentum is expected to carry over into the new year. Those looking to become new home owners in 2014 can expect continually improving conditions. These individuals will want to seek out the help of reputable real estate professionals when beginning the mortgage application process. 

Academy Mortgage is the #1 Independent Purchase Lender as ranked in the 2012 CoreLogic Marketrac Report. Visit to find a loan, get a rate, or calculate your payment today.


What You Need for Your Loan Application

Use the following checklist to be sure you have everything you need for your loan application.

Please contact your Academy Loan Officer with any questions or concerns.