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
      • Intercap Lending
    • What To Expect
        • Mortgage Loan Process
        • Do’s and Don’ts Home Buying
        • Average Time To Close
        • Servicing Your Loan
      • Intercap Lending
    • 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
      • Intercap Lending
    • Common Loans
        • FHA Home Loans
        • USDA Home Loans
        • VA Home Loans
        • Conventional Home Loans
        • Jumbo Home Loans
        • Property Investment Loans
        • Down Payment Assistance Programs
        • New Construction Loans
        • Reverse Mortgage Loans
        • HELOC
      • Intercap Lending
    • 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
      • Intercap Lending
  • 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
    • 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

Transforming Renters Into Homeowners:

Rising property prices and market trends needn’t deter your dream of homeownership. There’s a path from renting to owning—a journey we can embark on together.

Local governments often extend a helping hand through grants, tax credits, or subsidized loans that significantly reduce down payment requirements. Let my expert guidance unearth the financial support that may be waiting for you.

First-Time Buyer’s Advantage

Local State Grants and Benefits

Local governments often extend a helping hand through grants, tax credits, or subsidized loans that significantly reduce down payment requirements. Let my expert guidance unearth the financial support that may be waiting for you.

FHA Loans: A Gateway to Homeownership

With an FHA loan, homeownership is within reach even if your credit score is far from perfect. Offering down payments as low as 3.5%, this could be your ticket to a place of your own.

Exploring Alternative Financing

Down Payment Assistance

With forgivable loans or grants from nonprofits and dedicated lenders like Intercap Lending, the pathway to your front door becomes less steep.

Strategic House Hunting

The Allure of New Builds

Don’t overlook the allure of newly built homes. Developers frequently offer exclusive deals, making brand-new homes accessible—and affordable. Cast your gaze beyond the city’s heart, and you might just spot your dream home.

Mastering Market Negotiations

Realign your market conceptions. With a qualified real estate agent by your side—yours truly—you can negotiate shrewdly, aiming for seller concessions that reduce overall costs.

Achieving Financial Readiness

Elevating Your Credit Score

A healthy credit score can attract favorable interest rates and terms. Punctual bill payments and debt management are your allies in sculpting a robust financial profile.

Budget Mastery

Owning a home is more than just covering the mortgage. Prepare for the full scale of homeownership costs, considering maintenance, utilities, and taxes. Let’s draft a budget that keeps your monthly finances in peak condition.

Building Your Homeownership Toolkit

Harness Expertise

My local expertise means you benefit from advice born from direct market experience. Allow me to guide your steps from start to finish, ensuring a successful transition into your new home.

Utah Housing Mortgage Loan
First Time Buyer’s Guide

Knowledge as Your Foundation

Empower yourself with knowledge. Engaging in educational workshops provides you a sturdy ground upon which to build your future.

Experience the joy of homeownership and let these strategies be the tools you need to construct not just a house, but a home. Keep up with these homeownership tips, maintain your credit score, and tap into housing grants — with professional guidance and a supportive approach, every aspiring homeowner can lay the bricks of success.

Let’s lay the foundation for your future. Explore homeownership with confidence, backed by expert support and trusted counsel. It’s time for your homeowner story to begin.

APPLY NOW

You Need Someone Who Won’t Crash Your Homebuying Party!

Answering questions and removing roadblocks gets you that much closer to your first home, your next home, or your dream home. It’s not just our job, it’s our passion. We want to see you succeed!

FIND A LOAN OFFICER

  • 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

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
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”]