Amy Caldicott

Senior Loan Officer
NMLS # 49484
State Lic MA #MLO49484, NH #NH49484, ME #49484

It’s all about service at Academy Mortgage, and our company has been meeting the needs of homebuyers across the United States since 1988. With over 10 years of mortgage banking experience, I joined Academy because of its strong reputation for integrity—based mortgage lending, its unwavering commitment to responsible lending practices, and for its broad portfolio of mortgage solutions and tools.

I have helped many individuals and families attain the dream of homeownership. Whether you want to buy a new home or refinance an existing mortgage, I will provide a customized solution for you at competitive rates. No brokering, no middleman, no hassle, no surprises.

Academy is a direct lender, which means that my Branch and Regional Offices are equipped to complete the entire loan process in—house—all loan processing, underwriting, closings, and funding are handled locally. As a result, we 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 I 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 you accurate, timely, and honest mortgage advice.

I invite you to put us to the test. Let me show you 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.


How much mortgage might I qualify for?

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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Watch these videos to learn more about your loan.

Can You Relate? Celebrate the Downsize

Can You Relate? Celebrate the Downsize


Renovation Loans


Welcome to Academy Mortgage

I would have liked to see more rates up front or earlier in the process about the different types of loan options available to us and what the interest rates are like.

—Mary Curtis

Amy was outstanding!

—Dean Bartles

It was a pleasure working with Amy and the entire team.

—Annie MacDonald

I started with a different mortgage company and switched, and am so glad I did. Amy made the process so much less painful and was also very accommodating to me with my lack of computer skills. She went above and beyond!

—Judy McBain

Very responsive!

—Margaret Dawson

I loved working with Amy. She led me through the entire process and answered all of my questions very quickly. The entire process was so smooth! Thank you very much for a wonderful experience.

—Miranda LeBlanc

Amy was great- helpful, flexible, and kind

—Jennifer OBrien

Amy was absolutely amazing. She was super helpful, very responsive, and helped to hold our hand in areas we were unsure. Her helper, Meghan was also very professional and a great help when verifying employment. I'd recommend Amy and Academy to anyone looking in the area.

—Michael Jordan

Amy was a pleasure to work with. I highly recommend her

—Kristine Adams