Amy Cairn

NMLS# 294849

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 were impressed how quick and seamless the process was. Thanks Amy and Tamara! Susan Graves-Henneman, Client

NMLS# 294849

State Lic: UT: 5460939;

Corp Lic: UT: 5491140-NMLC;


Social Media Changing the Housing Market

June 17, 2013

The housing market is being revitalized as prices and inventory levels are up. More sellers are putting their homes on the market and more buyers are looking to make a purchase. However, that is not the only thing that is changing in today's housing market.

According to a report by Fox Business, social media is being used as a tool for new home advice. Homebuyers, sellers and real estate agents are utilizing the outlets when it comes to buying and selling a home. The report noted that a homebuyer can tour a house through a number of tools including YouTube, Facebook and Twitter, helping them get a feel for a house and allowing sellers to maximize their exposure.

"Both buyers and sellers are doing more 'digging' than ever," Brad Officer, a realtor in Jacksonville, Fla, told Fox Business. "Buyers and sellers want proof that you are actively engaged in the business and are a true professional."

Before the rise of social media outlets, homebuyers would be forced to sift through the little pictures available of homes online and narrow down their picks before visiting a home. Nowadays, homes can have their very own Facebook page and feature numerous videos displaying the homes features.

In the past it was important to have quality photos taken to display a home in its best light. Now, with more exposure of a home, sellers need to invest in good photography and videography, otherwise a home might come out looking unappealing.

Social big for first-time homebuyers
As social media is popular tool among millennials, many first-time homebuyers will be looking through these outlets when looking to make a purchase. 

"With third party data showing that 90 percent of millennials plan to purchase a home at some point in their lives, it's important first-time home buyers have access to the right tools and information to ensure their first home purchase is one they are proud of for years to come," said Deborah Wahl, senior vice president and chief marketing officer at PulteGroup,  "With many options to choose from, starting from a point of knowledge will go a long way towards achieving their dream of homeownership."

The PulteGroup encouraged any first-time homebuyers to be sure they are doing their homework before buying a home. While social media will help you get a feel for a homes, its important to consider all the options of home purchase, like FHA rates, as well as weighing the costs of renting with the costs of homeownership before committing to a home purchase. 

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.


Who wins the real estate Super Bowl: Denver or Seattle?

Denver and Seattle might have some pretty good professional football teams, but how do their real estate markets stack up against each other?

ZipRealty, a residential real estate brokerage firm and real estate marketing solutions provider, recently released a study looking at just that.

"Both Denver and Seattle have elite pro football teams that fought hard on the field all season to win championships in their respective divisions, which earned them a Super Bowl berth," said Van Davis, president of Brokerage Operations for ZipRealty. "But we wanted to take a closer look at these two champions to see how they perform off the field, in the housing market."

The real estate brokerage looked into various housing market trends to see which housing market was the best of the two. It factored average lot size, new construction vs. existing homes, median days on the market, median sales price and real estate agent ratings. Davis added that "to reach the Super Bowl, your team needs to be great at gaining yards; have the biggest, fastest and most-experienced players, not to mention a great coaching staff."

Here's what the study showed:

       1. What team gets more yards?

       2. Where are the more experienced players located?

       3. What team has faster players?

       4. Where are the most expensive players?

       5. Who has the better coaching staff?

Notable real estate in Denver. According to the ZipRealty study, the slight edge could be given to the Denver housing market. Besides advantageous housing trends, Denver is also home to one of the 10 hottest neighborhoods in 2014, according to Redfin, a real estate brokerage.

Denver's City Park neighborhood came in at No. 9 on the Redfin list. According to the source, City Park has seen a 276% increase in page views on its site in the last year. The report also noted that the neighborhood boasts "charming mid-century bungalows" that often have large yards and that it is just a 10-minute commute to downtown Denver. 

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.


Housing market to show gains in 2014

Coming off a strong 2013, the housing market is expected to continue to show improvement in the new year, according to a report from Freddie Mac. 

"As we start 2014, the housing recovery continues its steady pace," said Frank Nothaft, Freddie Mac's vice president and chief economist. "House-price gains will likely moderate from last year's pace but rise about 5% in national indexes. Home sales, as well as other key indicators, continue to trend in the right direction, although in some markets we are seeing the sales recovery strengthen while many others remain weak." 

According to the report, the housing market's success in the new year will weigh heavily on the unemployment rate, which sat at 6.7% in December. Furthermore, Freddie Mac noted that a low delinquency rate can be expected in 2014, helping the market continue to gain steam.

Trends to expect in the new year. Increased sales and more homeowners gaining equity in 2014 are not the only trends for the market. As more homeowners watch prices rise and their equity improve, it's likely they will want to cash in and sell their homes. This will be critical to stabilizing the low levels of inventory that have been holding down the market. 

Foreclosure activity is also expected to decline, according to The article noted that September marked the 36th consecutive month of annual decreases in foreclosure activity, while foreclosure starts plummeted 39% during the third quarter, marking their lowest level since the second quarter of 2006. 

As the housing market continues to show promising signs of improvement in the new year, more Americans will be inclined to make a purchase. Those interested should start with finding a suitable lender, as preapproval is a great way to get the mortgage process underway.

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.