Intercap Lending
  • Apply Now
    • Apply Online
      • Securely apply for a home loan or refinance

        Purchase Refinance

        • This field is for validation purposes and should be left unchanged.
        • GET A HOME LOAN QUOTE

    • Get a Rate Quote
      • Request a rate quote and today's rates from an Intercap Loan Officer

        Get a Rate Quote

        • This field is for validation purposes and should be left unchanged.
        • GET A HOME LOAN QUOTE

    • Find a Loan Officer
        • Search by Name

        • Search by State

        • This field is for validation purposes and should be left unchanged.
        • GET A HOME LOAN QUOTE

  • Homebuyers Guide
    • Getting Started
        • Find a Loan Officer
        • Check Your Credit Score
        • Get Today's Rates
        • Get Your Home Loan Approved Before You Shop
        • How To Get the Best Interest Rate
        • Little and No Money Down Options
        • Get Your Home Value and Equity Statement
        • Homebuyer Tips
    • What To Expect
        • Mortgage Loan Process
        • Do’s and Don’ts Home Buying
        • Average Time To Close
        • Servicing Your Loan
    • First-time Buyers
        • Buying Your First Home
        • Buy vs Rent
        • Find Out How Much You Qualify For
        • No Money Down Options
        • Check Your Credit Score
    • Common Loans
        • FHA Home Loans
        • USDA Home Loans
        • VA Home Loans
        • Conventional Home Loans
        • Jumbo Home Loans
        • Property Investment Loans
        • State Housing Loans
        • New Construction Loans
        • Reverse Mortgage Loans
        • HELOC
    • Refinance Options
        • Find a Refinance Specialist
        • The Benefits of Refinance
        • Get a Refinance Quote
        • Cash Out Refinance
        • Streamline Refinance
        • Debt Consolidation Refinance
        • The Power of Home Equity
  • My Loan
    • Online Payments and Loan Servicing FAQs
    • My Loan In Progress
    • My Closed Intercap Loan
    • Make a Payment
  • Loan Payments and Servicing
  • Loan Servicing
    • Client Login
    • Welcome to Servicing
    • Mortgage Payments
    • Tax and Insurance Information
    • Payment Assistance
    • Mortgage Relief Options
    • State Assistance Programs
    • Foreclosure Alternatives
    • Contact Servicing
    • About Intercap Lending
      • Contact Us
      • Company Profile
      • Reviews
      • Career Opportunities
      • Marketing Support
      • CAPTIVATE
    • 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

  • Menu Menu

Mortgage News and Homebuyer Guide

John Naccarato Construction Loans

May 26, 2026
https://www.intercaplending.com/wp-content/uploads/2024/04/GMB-New-Construction-1-1.png 1920 1921 Peter Holley https://www.intercaplending.com/wp-content/uploads/2023/10/intercap-logo.png Peter Holley2026-05-26 14:16:092026-05-27 10:44:42John Naccarato Construction Loans

What does home mean to you?

November 12, 2025
https://www.intercaplending.com/wp-content/uploads/2022/10/Website-Preview-Image.jpg 1080 1080 Cody Harrison https://www.intercaplending.com/wp-content/uploads/2023/10/intercap-logo.png Cody Harrison2025-11-12 09:50:282025-11-12 09:52:53What does home mean to you?

Getting Your Home Summer Ready

June 20, 2024
https://www.intercaplending.com/wp-content/uploads/2024/06/Newsletter-Images-June-1.png 1080 1080 Kimber Parkin https://www.intercaplending.com/wp-content/uploads/2023/10/intercap-logo.png Kimber Parkin2024-06-20 19:13:502025-10-20 16:10:43Getting Your Home Summer Ready

A Spike In Refinances, Is Now The Right Time For You?

June 20, 2024
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
https://www.intercaplending.com/wp-content/uploads/2024/06/Newsletter-Images-June.png 1080 1080 Kimber Parkin https://www.intercaplending.com/wp-content/uploads/2023/10/intercap-logo.png Kimber Parkin2024-06-20 19:10:282025-10-20 16:12:43How Election Years Can Effect The Housing Market

Temporary Rate Buydowns

May 17, 2024
 
https://www.intercaplending.com/wp-content/uploads/2024/05/Screen-Shot-2024-05-17-at-1.54.52-PM.png 2692 2156 Cody Harrison https://www.intercaplending.com/wp-content/uploads/2023/10/intercap-logo.png Cody Harrison2024-05-17 19:44:292025-11-10 16:01:41Temporary Rate Buydowns

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

May 17, 2024
https://www.intercaplending.com/wp-content/uploads/2024/05/ai-videos-for-agents.jpeg 1080 1080 Mike Anderson https://www.intercaplending.com/wp-content/uploads/2023/10/intercap-logo.png Mike Anderson2024-05-17 02:59:232025-11-10 14:11:43OpusClip, an AI-driven video editor helps real estate agents create dynamic videos for social media.

Intercap Lending Expands Offerings with Construction Loans

May 13, 2024
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
https://www.intercaplending.com/wp-content/uploads/2024/04/inflation-and-rates.png 464 538 Mike Anderson https://www.intercaplending.com/wp-content/uploads/2023/10/intercap-logo.png Mike Anderson2024-04-10 17:52:332024-04-17 14:24:00Inflation Still Hot. Will Rates Drop this Year?

The Mortgage Dilemma: Navigating Sticky Interest Rates in a Shifting Economy

March 4, 2024
https://www.intercaplending.com/wp-content/uploads/2024/03/interest-rate-wait-game-square.png 1080 1080 Mike Anderson https://www.intercaplending.com/wp-content/uploads/2023/10/intercap-logo.png Mike Anderson2024-03-04 06:22:172024-03-09 13:42:11The Mortgage Dilemma: Navigating Sticky Interest Rates in a Shifting Economy

Will Spring be Hot for Housing? It may hinge on mortgage interest rates.

February 4, 2024
https://www.intercaplending.com/wp-content/uploads/2024/02/will-spring-be-hot-for-real-estate.png 788 940 Mike Anderson https://www.intercaplending.com/wp-content/uploads/2023/10/intercap-logo.png Mike Anderson2024-02-04 18:49:042024-02-14 16:55:34Will Spring be Hot for Housing? It may hinge on mortgage interest rates.

Intercap’s Community Lending Program: Additional Mortgage Lending Incentives for Qualified Buyers and Communities

January 8, 2024
https://www.intercaplending.com/wp-content/uploads/2024/01/Community-Lending-Program.png 1080 1080 Mike Anderson https://www.intercaplending.com/wp-content/uploads/2023/10/intercap-logo.png Mike Anderson2024-01-08 00:01:022024-01-31 22:15:08Intercap’s Community Lending Program: Additional Mortgage Lending Incentives for Qualified Buyers and Communities

Don’t Wait: Unlocking Real Estate Opportunities in Today’s Market

December 21, 2023
https://www.intercaplending.com/wp-content/uploads/2023/12/Unlock-Opportunities-copy-1.jpg 500 500 Cody Harrison https://www.intercaplending.com/wp-content/uploads/2023/10/intercap-logo.png Cody Harrison2023-12-21 18:03:262024-01-04 18:01:44Don’t Wait: Unlocking Real Estate Opportunities in Today’s Market

5 Reasons Why Winter May be a Better Time to Buy a Home

November 29, 2023
https://www.intercaplending.com/wp-content/uploads/2023/11/5-reasons-to-buy-a-home-in-the-winter.png 1920 1920 Hsiu-Hsien Chao https://www.intercaplending.com/wp-content/uploads/2023/10/intercap-logo.png Hsiu-Hsien Chao2023-11-29 18:10:442023-12-18 18:25:365 Reasons Why Winter May be a Better Time to Buy a Home

Navigating Homeownership- A Friendly Guide to HOAs

November 29, 2023
https://www.intercaplending.com/wp-content/uploads/2023/11/Untitled-design-12.png 1080 1080 Stefanie O'Sullivan https://www.intercaplending.com/wp-content/uploads/2023/10/intercap-logo.png Stefanie O'Sullivan2023-11-29 17:37:372023-12-18 18:29:58Navigating Homeownership- A Friendly Guide to HOAs
Conforming Loan Limits 2026

2026 Conforming Loan Limits

November 28, 2023
https://www.intercaplending.com/wp-content/uploads/2026/03/Conforming-Loan-Limit-2026.png 1080 1080 Mike Anderson https://www.intercaplending.com/wp-content/uploads/2023/10/intercap-logo.png Mike Anderson2023-11-28 01:33:022026-03-06 14:02:472026 Conforming Loan Limits

FHA Announces New Policies for Rental Income on Accessory Dwelling Units (ADUs)

November 20, 2023
https://www.intercaplending.com/wp-content/uploads/2023/11/ADU-attached.jpg 970 970 Mike Anderson https://www.intercaplending.com/wp-content/uploads/2023/10/intercap-logo.png Mike Anderson2023-11-20 19:54:272025-11-07 14:59:03FHA Announces New Policies for Rental Income on Accessory Dwelling Units (ADUs)

Fannie Mae’s Bold Move: Lowering Down Payment Requirements for Multifamily Property Homes

November 20, 2023
https://www.intercaplending.com/wp-content/uploads/2023/11/duplex.jpeg 1600 1600 Mike Anderson https://www.intercaplending.com/wp-content/uploads/2023/10/intercap-logo.png Mike Anderson2023-11-20 17:44:522025-11-07 14:49:23Fannie Mae’s Bold Move: Lowering Down Payment Requirements for Multifamily Property Homes

Staging Homes Can Speed Up Sales

October 17, 2023
https://www.intercaplending.com/wp-content/uploads/2023/10/November-2023-Home-Staging-Speeds-Up-Home-Sales.png 1920 1920 Hsiu-Hsien Chao https://www.intercaplending.com/wp-content/uploads/2023/10/intercap-logo.png Hsiu-Hsien Chao2023-10-17 21:10:182023-10-30 16:32:45Staging Homes Can Speed Up Sales

It May Surprise You Which Home Improvement Projects Pay Off and Which Do Not

October 17, 2023
https://www.intercaplending.com/wp-content/uploads/2023/10/home-renovations.png 1920 1920 Hsiu-Hsien Chao https://www.intercaplending.com/wp-content/uploads/2023/10/intercap-logo.png Hsiu-Hsien Chao2023-10-17 21:04:242023-11-03 17:18:06It May Surprise You Which Home Improvement Projects Pay Off and Which Do Not

Know These Things Before Your Home Inspection

October 17, 2023
https://www.intercaplending.com/wp-content/uploads/2023/10/Home-Inspection.png 1920 1920 Hsiu-Hsien Chao https://www.intercaplending.com/wp-content/uploads/2023/10/intercap-logo.png Hsiu-Hsien Chao2023-10-17 21:02:242025-10-24 14:26:24Know These Things Before Your Home Inspection
Page 1 of 6123›»

  • This field is for validation purposes and should be left unchanged.
  • GET A HOME LOAN QUOTE

How much can I afford?

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

Use Calculator

  • Privacy
  • Licensing
  • Legal
  • NMLS Consumer Access Website
  • Complaints

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
Scroll to top
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.
$ 0.00
3/2/1 BUYDOWN SAVINGS
0%
Total Cost of 3/2/1 buydown as a Percent of Purchase Price

Interest Rate
0 %
Monthly Mortgage Payment
$ 0.00
Monthly Payment Savings
$ 0.00
1st Year Payment Savings
$ 0.00

Interest Rate
0 %
Monthly Mortgage Payment
$ 0.00
Monthly Payment Savings
$ 0.00
2nd Year Payment Savings
$ 0.00

Interest Rate
0 %
Monthly Mortgage Payment
$ 0.00
Monthly Payment Savings
$ 0.00
3rd Year Payment Savings
$ 0.00

Interest Rate
0 %
Monthly Mortgage Payment
$ 0.00

[mcwp type=”cv”]