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  • Purchase

    Home Loans

    Conventional home loans in Orem, Utah offer an attractive combination of flexibility and affordabili...

  • Refinance

    Refinancing

    Refinancing and debt consolidation in Orem and Provo, Utah is great for lowering your monthly bills....

  • Grants

    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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    Our Latest
    Blog Posts
    • Comparing FHA, USDA, and Conventional Home Loans in Utah County
      13 May

      Comparing FHA, USDA, and Conventional

      If you’re shopping for a home in Utah County, choosing the right loan can feel overwhelming. With options like FHA loans, USDA loans, ...

    • VA Loan Requirements
      24 Sep

      VA Loan Requirements – Appraisals vs.

      If you plan to use a VA loan to buy a home in Orem, Utah, understanding the difference between a property appraisal and a property inspectio ...

    • Home Loan Insights
      06 Sep

      Home Loan Insights – The Pros & C

      Higher interest rates have impacted borrowers in Orem, Utah, and these days, more would-be homeowners are contemplating adjustable-rate mort ...