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 moreRealize Your Dream Of Home Ownership.
A streamlined online mortgage process with custom digital quotes - get qualified and close on your loan in as little as 2 weeks.
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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.
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.
Mortgage Options, Made Approachable.
Whether you're buying, refinancing or just comparing - pick a path and we'll walk you through every step.
Refinance Loans
Ready to refinance? We'll help you restructure your loan so your monthly payment is more manageable.
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Renovation Financing
Buying a fixer-upper or upgrading your forever home? We'll roll renovation costs into a single, simple loan.
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New Construction Loans
Building from the ground up? We'll finance your new construction with flexible draws and a smooth transition to your permanent mortgage.
Learn moreYour 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.
Call Us Or Apply Online
Start a custom digital quote in minutes - no obligation, no surprises.
Get Pre-Qualified
We evaluate your finances and match you with the loan products that fit.
Compare Your Options
Walk through rates, terms and trade-offs side by side with a real human.
Close In ~30 Days
We coordinate paperwork, appraisal and closing so you can focus on moving in.
Our Utah Office.
Stop by and say hello. We're proud to call Utah home - and we love sitting down with neighbors face-to-face to talk through their home financing.
- 1145 South 800 East, Suite 101
Orem, UT 84097 - Monday–Friday, 9:00am – 5:00pm
- Evenings & weekends by appointment
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
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
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
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
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
Latest Insights & Mortgage Tips.
Practical guidance on buying, refinancing, and navigating today's mortgage market.
May 26, 2026
John Naccarato Construction Loans
Building your dream home? John Naccarato walks through Intercap's construction loan options - from initial draws to the transition into a permanent mortgage.
Read More
November 12, 2025
What Does Home Mean To You?
Home is more than four walls. Hear what home means to the Intercap team and the families they've helped - and what it could mean for you.
Read More
June 20, 2024
Getting Your Home Summer Ready
Warmer months are the perfect time to tackle maintenance that protects your investment. Here's a quick checklist to get your home summer ready.
Read More
June 20, 2024
A Spike In Refinances - Is Now The Right Time For You?
Refinance activity is climbing again. We break down who actually benefits from refinancing today and the numbers worth running before you commit.
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June 20, 2024
How Election Years Can Affect The Housing Market
Election cycles bring uncertainty - and that uncertainty can ripple into mortgage rates and buyer demand. Here's what history tells us to expect.
Read More
May 17, 2024
Temporary Rate Buydowns
A temporary buydown can lower your interest rate for the first years of your loan. See how 3-2-1, 2-1, and 1-0 buydowns work and when they make sense.
Read MoreEstimate Your Monthly Payment.
Use our home loan calculator to estimate your mortgage payment, including taxes, insurance, and PMI.
Monthly Payment
$2,612.94
/mo · 30 yr Conventional
- Principal & Interest$2,275.44
- Property Taxes$243.75
- Homeowners Insurance$93.75
- Mortgage Insurance$0.00
Estimates only. Taxes, insurance, and mortgage insurance vary by location, lender, and loan program. Contact us for an accurate quote.
Communities We Serve.
Based in Utah, lending across 21 states. Local knowledge, national reach.
States we lend in
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Click a highlighted state to start your application.