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

Academy's My Mortgage App

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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Amy and Tamara were amazing. I felt that I could rest easy in their expert hands and felt confident that they knew each and every step with full and complete knowledge. When there was a small glitch (something on my part), they just solved it easily. What an incredible, productive, intelligent team and just so nice and kind too. I loved my experience. I experienced no stress in the entire process. Bobbi Fosburg, Client

NMLS# 294849

State Lic: UT: 5460939;

Corp Lic: UT: 5491140-NMLC;


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.

Move-up Buying Activity on the Rise

September 17, 2013
Now is the time for trade-up buying. The recession and housing downturn left many Americans with underwater mortgages. However, years later, the housing market has come a long way, and homeowners are finally seeing their equity increase enough - some to the point where they can trade up for a more expensive home.
According to a report from FNC, a real estate data firm, home price gains have enabled many Americans to move up when purchasing a new property.
"An important sign of a healthy and sustainable recovery is increased housing turnover driven by trade-up buying, which is more or less discretionary spending," said FNC Director of Research Yanling Mayer. "These buyers are typically more responsive to market conditions and financial incentives."
As mortgage rates are on the rise, these buyers are recognizing that the historically low rates of today might not be around tomorrow. Move-up buyers are finding that now is the time to make a purchase. Eric Tan, a Redfin real estate agent in Los Angeles, said that these move-up buyers know that if they don't act now, they will be kicking themselves in three months. So just how many buyers are trading up?
Here's what Daren Blomquist, vice president of RealtyTrac, had to say:
"The increase in the share of equity sales reflects a market that is fully transitioning from investor purchases of distressed homes to primary home purchases by households," said California Association of Realtors Vice President and Chief Economist Leslie Appleton-Young. "The market continues to improve as more previously underwater homes gain equity due to recent upward movements in price."
Home equity jumps in Q2. As 2013 has been a strong year for the overall housing recovery, many Americans have seen the equity on their homes rise. Just in the second quarter, nearly 2.5 million residential properties returned to positive equity, according to a report from CoreLogic.
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.

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.