Chris MacPherson

Mortgage Loan Officer, Home Loan Specialist
NMLS # 586936
State Lic UT #4962558

I have learned that buying the house of your dreams in not all about its size or color. It is about how you feel when you walk through the front door and it’s about the way you envision your life there. Your home is more than just real estate and a mortgage loan. It's about your life, your dreams and the memories you will make.

As a mortgage lender, I understand how important this decision is for you and your family. In fact, purchasing or refinancing your home is one of the largest financial investments you will make in your lifetime. You need someone you can trust, who is a proven professional and who understands your individual needs.

You will have many questions such as: “What type of mortgage loan will best meet my needs? What down payment options and grants are available? Will buying a home allow me to still live a comfortable lifestyle?” I am confident I can answer your questions and help you find the best mortgage that meets your individual needs. My commitment to you is to focus your unique situation and provide you with tailored mortgage that meet the needs of you and your family.

I am excited to work for Academy Mortgage where I feel it's truly about service. I joined Academy because of its strong reputation for integrity-based mortgage lending and its unwavering commitment to responsible lending practice.

I've worked in the mortgage industry since 1998 and I have originated mortgages for two of Utah's largest credit unions and the largest residential mortgage lender in the world. Since joining Academy, I have helped many individuals and families attain the dream of home ownership. 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.

Your Home Value

Find out what your current home is worth.

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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