Intercap Lending

Established 1978

Simply put, our mission is to provide affordable home ownership for everyone. We strive to make Intercap Lending the top mortgage lending company in the nation by offering a supportive work environment that encourages our employees to offer the best service to our client.

– Josh Romney, Chairman and Owner


Intercap Lending is a direct Fannie Mae, Freddie Mac, and Ginnie Mae lender that offers a wide variety of loan programs and in-house underwriters who follow agency guidelines for faster closings. We have a large portfolio of FHA, VA, USDA, conventional, and non-conforming loans.

Our portfolio also includes specialty programs like 203k, down-payment assistance, reverse mortgages, and bank statement loans. We also have strong relationships with numerous jumbo programs and other niche lenders and investors.

Branch managers have the option of expense or retail accounting, with support for in-house processing, underwriting, and house accounts. We are committed to helping our branches and loan officers grow without unnecessary oversight or overhead.

Real estate agents, builders, and clients benefit from fast closings, integrated business systems, and an industry-leading CRM. Our co-marketing and advertising services assist with co-branded lead generation and nurture campaigns.


Intercap is an early adapter of industry-leading technology. The goal is simple; provide the best borrower experience from the first contact to the last mortgage payment. To this end, Intercap has overhauled every IT system to ensure complete integration from start to finish. Whether partnering with America’s largest title company on its FIRST e-closing nationwide (Done!) or rolling out the industry-leading servicing application in record time – you can be sure Intercap will be on the forefront of technology changes.


“When the environment at work is one of encouragement, and one that meets the needs to live, to learn, and to feel valued and significant, we do more than survive – we thrive.” – Simon Sinek, Leaders Eat Last.

Intercap Lending thrives because of its people. It’s an environment of family and friends that watch out for one another. This “circle of trust” protects us from external threats so we can work together to move the organization forward.

Intercap producers and their staff are given the support they need to thrive, and the autonomy to build their business without management getting in the way. If you believe in cultivating an environment of mutual respect and dignity with a dogged determination to succeed, we should meet.


Loan officers and real estate agents can take advantage of this powerful sales training program developed by Mike Anderson, a national sales coach, author, and CMO of Intercap Lending. Participating agents and LO’s have experienced dramatic increases in their production without the cost and hassle of lead purchasing, expensive lead management systems, and awkward sales calls. CAPTIVATE is founded on the principles of understanding what our home buyers and sellers want most during each stage of the homeowner lifecycle, and effectively meeting their needs through a combination of service excellence, meaningful sales activities, and automated systems, unlocking the secrets to creating more raving fans and referral business.

CAPTIVATE consists of a two-hour motivational training, six Utah licensed CE courses for real estate agents, and a series of hands-on workshops, all sponsored by Intercap Lending. CAPTIVATE has also proven to be a powerful recruiting tool for brokers and loan officers who are building agent partner relationships.


“You will never find a more dedicated and caring group of processors, underwriters, closers, and support staff. This is how we meet key performance goals like our 24-hour underwriting turn times and average close times at less than half of the industry average.” – Annette Lowder, COO

Intercap Lending takes great care of its operations and support staff, and in turn, they take extraordinary care of our loan officers, partners, and clients. This teamwork of dedicated employees has helped us establish a reputation of on-time closings, fewer conditions, and quicker turn-times.