Jamie (Fidler) Cooke
Loan Officer
NMLS# 2016901
Licensed in ID, UT
Canyons, UT
2750 E Cottonwood Pkwy Suite 660
Cottonwood Heights, UT
jamiecooke@intercaplending.com
Mobile Number: (801) 703-1390
Awarded Scotsman Top Originator in 2024 , 2025 & 2026
Awarded Scotsman Top Women Originator in 2024, 2025 & 2026
Buying a home is one of the biggest financial decisions you’ll make, and Jamie is here to guide you with confidence and care every step of the way. With over 100 five-star reviews, Jamie excels in educating clients and matching them with the right loan program for their needs. Whether you’re a first-time homebuyer or looking to refinance, Jamie offers expertise in conventional loans, zero down payment programs, VA loans, FHA loans, construction loans, grant opportunities, jumbo loans, and more.
Jamie’s passion for helping others stems from her personal experience of becoming a homeowner and the empowerment it brought to her life. A proud native of Utah, she is enthusiastic about helping others settle in this incredible state. Outside of work, Jamie enjoys exploring the mountains and traveling to new places.
With Jamie, you can expect a smooth, transparent, and enjoyable homebuying experience.
For Real Estate Partners
How to a Make Your New Effective Rate Even Lower
Quoted Rate on New Home
6.750%
Effective Rate After Rental Offset
0.000%
Rate Reduction
−0.000%
Net rental cash flow: $0/mo
1
Departing Residence
The home becoming a rental
$
$
%
$
$
$
$
Property condition — sets maintenance reserve
Average — typical reserves needed
%
%
%
2
New Purchase
The home they're buying
$
$
%
$
$
$
How the Math Works
Rental surplus reduces the P&I burden on the new loan — we solve for the rate that produces the lower payment.
Rental Income (Real Cash Flow)
Market rent$0
− Vacancy (5%)$0
− Maintenance (8%)$0
− Management (0%)$0
− Old PITI$0
Net to borrower$0
Offsets
P&I drops from$0 → $0
New Loan — Effective
Loan amount$0
Term30 yr
Offset P&I$0
Quoted rate0%
Effective rate0%
Qualifying Income Note
Agency guidelines typically credit 75% of market rent ($0) against the departing PITI for DTI. That produces a qualifying contribution of $0/mo. The cash-flow math above uses real-world expenses, which is what the borrower actually feels in their checking account.
Why Deferred Maintenance Matters
A pristine 5-year-old build with HOA-handled exterior carries a different reserve than a 1970s home with an original roof. Toggle the condition preset to show clients an honest picture — landlord reality, not a brochure.
Educational illustration only. This tool is provided for general educational purposes and does not constitute a loan approval, rate quote, commitment to lend, or offer of credit. Actual qualifying income from a departing residence is subject to Fannie Mae, Freddie Mac, FHA, VA, or USDA guidelines and full underwriting review. Effective rate shown is a conceptual illustration of how rental cash flow may offset housing expense — it is not an APR, interest rate, or note rate. All loan terms, including interest rate and APR, are subject to credit approval, market conditions, and program eligibility. Equal Housing Opportunity.
Jamie Cooke · NMLS #2016901 · Intercap Lending NMLS #190465