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 are proud to be one of the top independent purchase lenders in the country. We achieved this distinction by continually providing exceptional customer service and by following responsible lending practices, especially in today’s rapidly changing economy.Adam Kessler, President, Academy Mortgage

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.


Both home values and sales showed strong gains in 2013

The housing market continued to show significant improvements in 2013, providing optimism for those considering a purchase in the new year. 

A recent report from real estate brokerage Zillow highlighted just how much home values increased in 2013. Here's what the data showed:

However, the report did point out that the large appreciation in 2013, followed by a moderate gain in 2014, shows that the housing recovery is still underway. Where home values might have been increasing at an unsustainable pace, any deceleration will help certain markets level out. 

"At the same time, we expect more homes to be available this year as more sellers enter the market and more homes get built, and a decline in investor competition should make for a more hospitable market for many buyers," said Zillow Chief Economist Stan Humphries. "While a truly 'normal' market remains a ways off, we expect to take more steps in that direction as appreciation moderates, negative equity recedes, federal stimulus is withdrawn and foreclosures wane."

Home sales also jumped in 2013. A separate report from the National Association of Realtors showed that there were 5.09 million home sales in 2013, marking a 9.1% increase from 2012. 

Lawrence Yun, the NAR's chief economist, noted that the housing market has seen a healthy recovery over the last few years. 

"Existing-home sales have risen nearly 20% since 2011, with job growth, record-low mortgage interest rates and a large pent-up demand driving the market," Yun said. "We lost some momentum toward the end of 2013 from disappointing job growth and limited inventory, but we ended with a year that was close to normal given the size of our population."

As both home values and sales increased in 2013, the momentum is expected to carry over into the new year. Those looking to become new home owners in 2014 can expect continually improving conditions. These individuals will want to seek out the help of reputable real estate professionals when beginning the mortgage application process. 

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.


What You Need for Your Loan Application

Use the following checklist to be sure you have everything you need for your loan application.

Please contact your Academy Loan Officer with any questions or concerns.