Kris Udy

Senior Mortgage Lender
NMLS # 205815
State Lic UT #5497868, ID #MLO-12520

It’s all about service at Academy Mortgage, and our company has been meeting the needs of homebuyers across the United States since 1988. 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.

Since joining Academy, 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.

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.

Print page

Everyone there was so nice and on the ball. Process went smoothly and enjoyable. Kris Udy was a hoot and I would recommend her to anyone looking for a home loan!

—Scott Gentillon

Kris did an exceptional job of completing this loan in a timely manner. In fact, we were able to close a bit earlier than expected! Very smooth process with no drama-just the way it should be!

—Christine Chaparro

We loved working with Stephanie and Kris! We felt like they werected quick, knowledgeable and the process was smooth and simple!

—Brett Nelson

Our loan was a tricky one and Kris was amazing! We are so grateful for her and her efforts!

—Jonathan Nelson

We had a really good loan experience with Kris. She always got right back to us if we had questions and was available to talk to. She was great at explaining things so we could understand- which was important to us as first time home buyers.

—Ryan Hess

Kris was wonderful! The loan process was quick, easy, and painless!

—Jennifer Gardner


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