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      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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This is your time

Interest rates keep climbing. So is inflation. The S&P is officially in a bear market. This was an incredibly fast turnaround from last year. It happened so fast it almost doesn’t seem real. We knew a correction was coming. In many ways it was needed, but it would have been nice if it wasn’t so drastic.

Some of us also faced (or are still facing) some pretty devastating life changes. Illnesses and losing family and friends to Covid.

One thing’s for sure: Human nature is resilient. We see this in Ukraine. It’s all around us, even when we don’t see it. Perhaps the beauty of this life isn’t just what we’re blessed with, but how we react to the good and bad that we face. It helps define who we are. In work and in life, be mindful of the people around you. Smile and extend a helping hand. Be kind. Especially to yourself.

Another thing’s for sure: Good times will come back. That’s a big reason we’re so resilient. Those who take the time now to make needed changes to their personal and business habits will be the ones that come out on the other side better than before. Resilience doesn’t have to be about surviving the hard times. It can also be about becoming stronger and better than before.

Here are some suggestions that will brighten your outlook and your results

  • Create and follow a morning routine that strengthens you physically, emotionally, mentally, and spiritually
  • Set goals. Write them down and hang them on your bathroom mirror and at your desk so you don’t forget.
  • Clean up your contact database. Clean up your old files. Learn to use the technology that will help you work smarter now that you have the time to be patient with yourself and the technology.
  • Reconnect with people. Spend some time with the people that you kept promising yourself you would when you had the time.
  • Spend time to explore opportunities. Remember, you are really good at what you do. Allow your creativity and innovation to explore new ways of doing things better than before.
  • Learn to be positive. No matter where you are or how bad things seem, the next best step is the one forward.

I’ve never been a big fan of cliché motivations and self-help remedies. Forgive me if that’s what this seems like. I sincerely hope that you and your family are well and that your outlook is hopeful. We will make it through this hard time. The only question is how, and a lot of that is up to you.

Conforming Loan Limits

Advance Access Program

https://www.intercaplending.com/wp-content/uploads/2026/09/2027-Conforming-Loan-Limit-.jpg 1440 1080 Peter Holley https://www.intercaplending.com/wp-content/uploads/2023/10/intercap-logo.png Peter Holley2026-09-23 14:19:192026-09-24 10:45:49Advance Access Program

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 Peter Holley https://www.intercaplending.com/wp-content/uploads/2023/10/intercap-logo.png Peter Holley2025-11-12 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 Peter Holley https://www.intercaplending.com/wp-content/uploads/2023/10/intercap-logo.png Peter Holley2024-06-20 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 Peter Holley https://www.intercaplending.com/wp-content/uploads/2023/10/intercap-logo.png Peter Holley2024-06-20 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 Peter Holley https://www.intercaplending.com/wp-content/uploads/2023/10/intercap-logo.png Peter Holley2024-06-20 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 Peter Holley https://www.intercaplending.com/wp-content/uploads/2023/10/intercap-logo.png Peter Holley2024-05-17 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 Peter Holley https://www.intercaplending.com/wp-content/uploads/2023/10/intercap-logo.png Peter Holley2024-05-17 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 Peter Holley https://www.intercaplending.com/wp-content/uploads/2023/10/intercap-logo.png Peter Holley2024-05-13 22:32:492025-10-16 10:12:45Intercap Lending Expands Offerings with Construction Loans
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All loans are subject to credit and underwriting approval. Not all applicants will qualify. 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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