Our Services
Simple
Flexible
Solutions
  • Purchase

    Home Loans

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

  • Refinance

    Refinancing

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

  • Grants

    Grants

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

Make an
Appointment

    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

    Read More
    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.
    Blog
    Check Out
    Our Latest
    Blog Posts
    • 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 ...

    • refinance mortgage Orem, Utah
      02 Feb

      Refinancing Your Mortgage? Why Your Lo

      So, you’re planning to refinance the mortgage you initially used to buy a home in Orem, Utah. Maybe you’d like to take out cash or conso ...

    • buy a home Orem, Utah
      12 Jan

      How to Buy a Home with No Down Payment

      The standard advice for anyone who wants to buy a home is to save up for a down payment first – and that you need to put down at least 20 ...