Cornerstones of Success

When it comes to helping individuals and families achieve successful homeownership, Academy is 1st CHOICE. For over 30 years, we have delivered exceptional mortgage service, in-house loan fulfillment, a broad portfolio of products and tools, and integrity-based mortgage banking.

Carolyn Ney

Senior Loan Officer
NMLS # 19335
State Lic UT #5210698
2016111_carolyn_ney_New Headshot
I appreciate this opportunity to introduce myself. I started my career in the mortgage industry in 1984 working for the largest mortgage loan servicer in the country processing and originating loans. I had an opportunity to work for a few other local lenders originating loans and in wholesale lending before coming to work for Academy Mortgage in 1991, I was hired by Academy's founder and I worked directly with him for over 20 years serving in many management roles and key executive positions as we laid the foundation for the company. In 2012, I returned to production with my current focus on land acquisition and development loans for subdivisions, construction loans for builders, and residential mortgage loans for consumers. I am able to offer a full selection of loan products including commercial loans. I believe my service, professionalism, attention to detail and local in-house processing, underwriting and closing, help me to stand above the competition. I will make sure you have regular updates and honest answers in a timely manner. I have learned from my years in management that communication and service are most important. I am committed to being available and helping you every step along the way. I want home buying to be an exciting and positive experience. Working with homeowners is something I love and I hope to have the opportunity to work with you. Please feel free to contact me if you have questions or if I can be of any help. I look forward to hearing from you!!

Carolyn Ney

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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Carolyn was very thorough, as well as very good at communicating the process with everything that occurred.

—Holli Ann Poulsen Waters

Excellent service. I would recommend Carolyn.

—Long-Tong Huang

Carolyn is great, she and her team made the whole experience very easy.

—Michael Mitchell

We truly had a very positive experience, and it was obvious to us that Academy Mortgage was doing all they could to help the process of closing on our home go smoothly. We greatly appreciate everything Carolyn and others have done to bring us into our new home!

—Nathaniel King

Carolyn Ney was wonderful to work with. She worked very hard to make sure that we could close the loan on time and was very pleasant to work with.

—Melissa Moyle

Carolyn was excellent and was the main reason I went with Academy even though I did source from other lenders. She has been a joy and pleasure to work with, providing good advice and options, always willing to answer my questions (I am new to the USA and so the loan process works very differently to Australia, so had lots of questions) and I never had to wait more than 24 hours to get a reply.

—Khoe Sheng Neoh

Very pleased with our experience at Academy. Everyone we encountered went the extra mile to offer great service and advice, especially Carolyn Ney. Thanks for all you did on our behalf.

—Noe Casalino

Carolyn was amazing to work with. Professional, knowledgeable and very responsive. She made an extremely complicated process seem easy.

—Todd Musig

Loved the descriptive emails that I got every step of the way detailing exactly what was going on throughout the process. All questions were answered immediately and they were all friendly and easy to deal with.

—Chad Herbert

Our loan officer, Carolyn Ney, was FANTASTIC to work with. Her communication and follow through was amazing. I can't think of a single thing that she could have done any better. I would use her again in a heartbeat. Also, Academy's online application and documentation systems were very good, a huge benefit to the whole loan process.

—Brent Gray

Very pleased with our experience at Academy. Everyone we encountered went the extra mile to offer great service and advice, especially Carolyn Ney. Thanks for all you did on our behalf.

—Noe Casalino

Carolyn was very knowledgeable and easy to work with. We also loved the app for easy uploading etc.

—Marcus Brown

Carolyn Ney is absolutely amazing!!

—Robin Roechelle Dettmann

Very helpful and pro-active

—Gerry Christensen

Carolyn was extremely helpful and on the ball! I appreciated everything she did to help our loan go through quickly and seamlessly!

—McKenzie Stephens

Great job

—Michael Carney

Carolyn is a true professional! Her industry expertise is 2nd to none. Pair that up with her superior customer service and asset to Academy Mortgage.

—Matthew Clapham

Carolyn and Darcee were easy to work with, communicated clearly and kept me up to date about my loan. Thank you both for making the process so easy.

—Cody Holdaway

I worked with Carolyn Ney and she was nothing short of spectacular throughout the whole process. She is a great communicator and her willingness to respond to my dumb questions was incredible. Thanks!

—Bryce Bitton

Carolyn was AMAZING. Thank you!

—Mallory Griffin

Everything was very smooth and easy. Carolyn is a joy to work with.

—Karen Bitton

Carolyn Ney always goes above and beyond to make a smooth transaction. This particular loan was no different. With all of the things that could have made this loan impossible, Carolyn made sure they didn't. I am a raving fan of hers.

—Jeff Pierson

Excellent service. I would recommend Carolyn.

—Long-Tong Huang

Overall a seamless experience. Probably the best part of the whole new home buying process was my interactions with Academy. Carolyn was very responsive, informative, and patient to work with. The bucket of tools for the new home she put together really came in handy while moving in and setting things up.

—Todd Burnett

As a first time home buyer, Carolyn made sure everything was clearly understood and took the time to work with us through this process. She went above and beyond my expectations.

—Nicole C. Gray

I received excellent service from Academy Mortgage. Carolyn's communication and responsiveness as well as her knowledge and expertise greatly exceeded my expectations. I would be glad to recommend Carolyn and Academy Mortgage.

—Dustin Holt

Carolyn and her team were fantastic to work with. She made the entire loan process a pleasure by keeping us well informed and responded very quickly to any questions or concerns we had. We would highly recommend her an Academy to anyone.

—Eric Sorensen

Carolyn Ney explained everything in great detail. She was a great resource throughout the house buying process and continues to be after. We would work with Academy and her again.

—Matt Barker

The entire process went very well. My loan officer (Carolyn Ney) was absolutely great to work with. She answered all of my questions and guided me the whole way from start to finish. They matched the offer that I had from my Credit Union and made the experience a very easy one.

—Steven Stone

Carolyn and Darcee were so nice and easy to work with. The process was smooth and we received a bucket of tools when we went to close. That was such a thoughtful gift and something we really needed as we were moving in. Thank you!

—Jordan Zornes

Nice friendly staff. Great to work with.

—Derrick James Bolton

Carolyn is a rock star! She took really good care of us!

—Kimberly Sorensen

Carolyn and her team were great! Very smooth process and a pleasure to work with!

—Jeri Dunn

There were a few complications with my loan, and I am so happy Carolyn was handling everything. She kept me informed so I didn't worry.

—Susanne James

Carolyn was extremely helpful and on the ball! I appreciated everything she did to help our loan go through quickly and seamlessly!

—McKenzie Stephens

I gave Carolyn the highest rating and I would recommend her service!

—Jace Wilkins

Carolyn is a rock star! She took really good care of us!

—Kimberly Sorensen

Carolyn went through a lot of hoops trying to find a mortgage that would work best for me. I give her a lot of credit for her efforts.

—Jamie Rhodes

Carolyn became a trusted source in our process. Very reliable and timely. Thank you!!

—Holli Ann Poulsen Waters

I loved the entire process!!

—Ryan West


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