Our Services
  • Purchase

    Home Loans

    Conventional home loans offer an attractive combination of flexibility and affordability for purchas...

  • Refinance


    Refinancing and debt consolidation is great for lowering your monthly bills. You can also use this a...

  • Grants


    Many different home-grant programs are available to Utah homebuyers today. These programs are design...

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    Utah Mortgage Broker

    Find the Loan that Works for You
    Intercap Lending provides exceptional mortgage broker services to clients in Orem and throughout northern Utah. We are proud to be an advocate for borrowers of all types. We offer a wealth of options for residential mortgage loans, including conventional, FHA and VA loans. We offer second mortgages, refinancing, home equity lines of credit (HELOCs) and reverse mortgages.
    Simply put, our mission is to provide affordable home ownership for everyone. We strive to make Intercap Lending the top mortgage lending company in the nation by offering a supportive work environment that encourages our employees to offer the best service to our client. -Josh Romney, Chairman and owner
    We promise to stand by you through every step of the process, from applying for your mortgage to clo

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    What Our Customers Are Saying
    Maegan W.Maegan W.
    This was our first mortgage and we were well taken care of. They checked win with us often to make sure that all necessary paperwork, bank statements, etc. were in and correct. Everyone we worked with was friendly and helpful...I would recommend (and have) Intercap Lending to anybody.
    Steve S.Steve S.
    Over the course of these several years and various home loans, having worked with several persons at Intercap Lending, I will say, the staff over there is remarkable, super nice, very helpful, all of them have performed like a dream with every interaction I've ever had with them.
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    Blog Posts
    • mortgage, debt-to-income ratio Utah
      26 Mar

      How Does Debt-to-Income Ratio Affect M

      You make a good living and pay your bills on time, but are you mortgage-worthy? To finance the purchase of a Utah home, you’ll need to mee ...

    • An Overview of the Home Loan Process
      01 Mar

      An Overview of the Home Loan Process

      The home loan process can be a bit daunting, particularly if this is your first time seeking financing. You don’t have to go it alone, of ...

    • conventional loans Utah
      27 Feb

      Pros and Cons of Conventional Loans fo

      Could you benefit from a conventional loan? When you’re contemplating how to fund the purchase of a Utah home, the multitude of mortgage t ...