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Mortgage Closing Mistakes: What to Avoid When Closing on a Home

How long does mortgage closing take?

The mortgage closing process can be quite stressful, as anything from the appraisal falling short to major issues coming to light during the home inspection can cause the deal to c ...

Is a Fixed-Rate Home Loan Right for You?

Utah mortgage rates

If you’ve found your dream house and want the perfect mortgage, a fixed-rate home loan could be your ideal solution. A fixed interest rate mortgage can provide you with stability ...

Mortgage Refinancing: Should You Stay with Your Current Lender?

Utah refi

If you’re looking to score a lower home loan payment, mortgage refinancing can help you achieve your goal. And sticking with your current lender can be an easy route to take, as ...

Guide to the Home Loan Process

Mortgage company in Orem, Utah

Trying to figure out how to navigate the home loan process? If you’re a first-time home buyer, working with an experienced mortgage broker – like the professionals at Intercap ...

How to Calculate Your Debt-to-Income Ratio for a Home Loan

How to qualify for a home mortgage

Mortgage lenders consider your debt-to-income ratio (DTI) to be a good indicator of your ability to repay a home loan. Essentially, this figure is a comparison of how much debt you ...

4 Ways to Avoid Private Mortgage Insurance (PMI)

Does your home loan require PMI?

Private mortgage insurance (PMI) protects lenders from losses, helping offset the risks of default and foreclosure. That’s great for lenders – but when PMI is required, home lo ...

Mortgage Approval After Bankruptcy – How Soon Can You Buy a Home?

Does bankruptcy affect your ability to buy a house?

Though bankruptcy stays on your credit report for up to 10 years, you won’t have to wait that long to obtain a mortgage approval. Lenders have eased their qualification requireme ...