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    • Corporate Office

      910 East 6600 South
      Salt Lake City, UT 84121

      888-643-2133

      NMLS #190465

    • Loan Servicing Office

      5600 Wyoming Boulevard NE, Suite 20
      Albuquerque, NM 87109

      800-658-9371

      NMLS #1199978

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Get your home loan approved before you shop!

You wouldn’t go shopping without knowing what’s in your wallet. Why would you do that when shopping for a home? By getting a home loan pre-approval with Intercap Lending before shopping for a home, you’ll know exactly what you qualify for and be in a stronger position when making an offer.

Apply for a home loan in minutes

A mortgage application takes about 15 minutes. In most cases, you can have a pre-approval letter in an hour or less. Click below to get started. Our loan officers are available by phone, text, or in person for questions and advice.

Get pre-approved for a home loan

Get your Intercap home loan pre-approval in no time.

And watch how fast you get an accepted offer!

GET APPROVED TODAY! GET A RATE QUOTE
Get pre-approved for a home loan

What does a home loan pre-approval entail?

A home loan pre-approval from one of our licensed loan officers means we have confirmed your ability to purchase a home with Intercap Lending. Best of all, you will know exactly what you qualify for and the seller can feel confidant that your offer is solid.

Here’s what we typically need for a home loan pre-approval.

  • Credit Report

    A residential credit report that we pull with your permission

  • Paystubs

    Usually 1 month of paystubs from your employer(s)

  • W-2s

    Or other forms of income verification

  • PERSONAL TAX RETURN

    If applicable

  • DOWN PAYMENT/RESERVES DOCUMENTATION

    Confirmation of any downpayment or closing costs required

  • CREDIT/LIABILITY DOCUMENTATION

    Your credit report usually provides most of this information

John Naccarato Construction Loans

May 26, 2026
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What does home mean to you?

November 12, 2025
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Getting Your Home Summer Ready

June 20, 2024
Read more
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A Spike In Refinances, Is Now The Right Time For You?

June 20, 2024
Read more
https://www.intercaplending.com/wp-content/uploads/2024/06/Newsletter-Images-June-2.png 1080 1080 Kimber Parkin https://www.intercaplending.com/wp-content/uploads/2023/10/intercap-logo.png Kimber Parkin2024-06-20 19:12:522025-10-20 16:08:21A Spike In Refinances, Is Now The Right Time For You?

How Election Years Can Effect The Housing Market

June 20, 2024
Read more
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Temporary Rate Buydowns

May 17, 2024
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OpusClip, an AI-driven video editor helps real estate agents create dynamic videos for social media.

May 17, 2024
Read more
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Intercap Lending Expands Offerings with Construction Loans

May 13, 2024
Read more
https://www.intercaplending.com/wp-content/uploads/2024/04/GMB-New-Construction-1-1.png 1920 1921 Mike Anderson https://www.intercaplending.com/wp-content/uploads/2023/10/intercap-logo.png Mike Anderson2024-05-13 22:32:492025-10-16 10:12:45Intercap Lending Expands Offerings with Construction Loans

Inflation Still Hot. Will Rates Drop this Year?

April 10, 2024
Read more
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  • GET A HOME LOAN QUOTE

How much can I afford?

This computes the finance amount, based on income, expenses, credit rating, and other factors.

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We may share customer information with our trusted business partners to assist you with your loan or other mortgage needs. Customers with questions regarding our loan officers and their licensing may visit the Nationwide Mortgage Licensing System & Directory (NMLS) for more information. https://nmlsconsumeraccess.org/

Agency Approvals: FNMA – #171430002 / FHLMC – #124731 / FHA – #3213309992 / GNMA #2454 / VA 955023-00-00

© 2024 All rights reserved. Intercap Lending Inc.
910 East 6600 South, Salt Lake City, UT 84121 | NMLS# 190465
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Buy Down Calculator
This calculator is being provided for educational purposes only. The results are estimates that are based on information you provide and may not reflect available product terms from Intercap Lending Inc. Actual available rates and monthly payment amounts are subject to market fluctuations and will depend on a number of factors, including geography and loan characteristics. The information provided cannot be used to determine eligibility for a specific product or service and is not a commitment to lend.
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