Purchase
Home Purchase Loans
We've created a streamlined process to get you qualified for the best loan. Call today to start your home-buying journey.
Learn more Trusted mortgage advisor
Realize your dream of home ownership.
A streamlined online mortgage process with custom digital quotes — get qualified and close on your loan, usually within 30 days.
30d
Avg close time
21
States served
5.0
Client rating
Meet your advisor
Erin Hendricks — clear advice, on your timeline.
When you call Erin Hendricks at Intercap Lending, you can expect friendly, professional advice and clear explanations of all available mortgage products — including ARMs. We walk you through the advantages and risks of each loan option and give you the guidance you need to make the right decision.
Working with us means flexible appointments, ongoing availability, and a dedicated professional evaluating your financial picture to qualify you for a loan that fits your budget. Although based in Utah, we do business across more than 20 states.
What we do
Mortgage options, made approachable.
Whether you're buying, refinancing or just comparing — pick a path and we'll walk you through every step.
Refinance
Refinance Loans
Ready to refinance? We'll help you restructure your loan so your monthly payment is more manageable.
Learn more
Renovation
Renovation Financing
Buying a fixer-upper or upgrading your forever home? We'll roll renovation costs into a single, simple loan.
Learn moreThe process
Your time is important. Our process is simple.
A streamlined online mortgage flow that helps you get custom quotes, navigate underwriting, and get your money fast — usually within 30 days.
01
Apply online
Start a custom digital quote in minutes — no obligation, no surprises.
02
Get pre-qualified
We evaluate your finances and match you with the loan products that fit.
03
Compare your options
Walk through rates, terms and trade-offs side by side with a real human.
04
Close in ~30 days
We coordinate paperwork, appraisal and closing so you can focus on moving in.
Where we lend
Communities we serve.
Based in Utah, lending across 21 states. Local knowledge, national reach.
Client stories
Real people. Real closings.
He was great to work with. He answered all my questions and allowed us to move at our own pace. When we wanted to move quick he did what he could and was very easy to get in touch with during the entire process.
KF
Kristin Futrell
Verified client
Erin is an amazing person to work with, and helped us finance our dream house in a way that even included renovation costs. He will go above and beyond and is great to interact with.
JS
Jackson Small
Verified client
Erin is awesome, I would recommend to anyone I know personally. He was super informational and helped me through every step of the way. Made the home buying process a lot less stressful.
KS
Koby Snider
Verified client
Erin has helped me with purchases and refinances over the past four years. He is always on the ball and responds quickly. 100% recommend!
CT
Colin Thompson
Verified client
Built around you
Mortgage products tailored to real lives.
Fixed-rate, ARM, FHA, VA, jumbo, renovation — we'll explain the trade-offs in plain language, then map them to your goals, your timeline, and your budget.
- Conventional & jumbo loans
- FHA, VA & USDA programs
- Refinance & cash-out
- Renovation financing
Start your mortgage journey
We are committed to helping you reach your goals.
Pick a path below — we'll guide you through every step of the complex process. Our passion drives our dedication to finding you the right solution.